Volvo V50 Insurance Rates

Do you need help finding cheap Volvo V50 insurance rates? The average cost of Volvo V50 insurance is $1,230 a year, or $102 a month. Learn more about Volvo V50 frequently asked coverage questions.

Want Volvo V50 price assurance that you have the cheapest rates? Enter your ZIP code in our free tool above to find the cheapest rates for a Volvo V50.

Estimated insurance rates for a Volvo V50 are $1,492 a year with full coverage. Comprehensive costs approximately $336 a year, collision insurance costs $626, and liability insurance costs around $372. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs around $3,228. Teens pay the most at up to $5,458 a year.

Average premium for full coverage: $1,492

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and V50 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences demonstrate why it is important to compare prices using their specific location and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

The chart below details average Volvo V50 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $850
• Using higher $1,000 deductibles will save $1,272 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,492
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,916
• Drivers with serious driving violations could pay around $3,228
• An auto insurance policy for full coverage for a teen driver can cost $5,458 or more

View Chart as Image

Insurance prices for a Volvo V50 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo V50 insurance rates. A driver around age 40 might see prices as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,010 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $650 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 135% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find More Affordable Volvo V50 Insurance

Finding better rates on Volvo V50 insurance requires avoiding accidents and violations, maintaining good credit, being claim-free, and possibly raising deductibles. Set aside time to shop around at least once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save around $180 per year just by quoting early and online
• High-risk drivers who have multiple accidents or major violations pay on average $1,740 more per year for car insurance
• Increasing policy deductibles can save around $650 each year
• Teenagers are expensive to insure, possibly costing $455 per month for full coverage

Who really has the lowest car insurance rates for a Volvo V50? The only way to find this out and save on average insurance costs is to shop around. To find cheap and affordable car insurance, enter your ZIP code in our free tool below.

What are the safety ratings of the Volvo V50?

Is the Volvo V50 a good car? This is what insurers will ask themselves when they look at Volvo V50 safety ratings and features. Some of the Volvo V50’s safety features include traction control, whiplash protection seating, anti-submarine seats, and anti-lock braking system.

However, the Insurance Institute for Highway Safety (IIHS) has not crash-tested the Volvo V50, so there is no information on the safety ratings. This means that insurers will base rates on safety ratings of vehicles in the Volvo V50’s class.

Volvo V50 Compared Against Other Vehicles in the Same Class

What insurance group is a Volvo V50? The Volvo V50 is a luxury car, which means that its insurance group will be higher (more expensive). To see how other luxury cars’ rates compare to the Volvo V50’s insurance rates, view the list below.

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The best way to save on Volvos, from a Volvo S40 to a Volvo V50, is to shop for multiple quotes. Enter your ZIP code in our free tool to start comparing rates.