About $1,227 a year for full coverage on a national average — 15% less than the $1,438 average car. Insurers rate the Volvo V50 at an index of 85 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2009-2011).
The premium isn't spread evenly across the Volvo V50: Collision — damage to your own car in a crash — carries its highest loss index at 96, while Property damage sits at 75. Those 21 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2008 V50 sells for a median $4,995, so a year of cover costs 24.6% of the car's value. Calculated from 10 insurance-loss records and live US listing prices.
Why a V50 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,227: Liability (BI + PD) $589 · Collision $344 · Comprehensive $147 · Other (UM / PIP) $147.
How it changed by generation
Insurance-loss index of the V50 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The V50 has become cheaper to insure over time (-3 points).
What a V50 costs by state
Where you park matters as much as what you drive. The V50's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | V50 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Volvo V50's loss index of 85 — your own quote also depends on age, record, deductible and ZIP.
Volvo V50 insurance — frequently asked
How much is insurance for a Volvo V50?
About $1,227 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 85 applied to the US average premium.
Why is the V50 expensive or cheap to insure?
For the Volvo V50 the costliest area is Collision at an index of 96, covering damage to your own car in a crash — against 75 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Volvo V50 lands at 85, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 24.6% of what a 2008 V50 sells for — $1,227 against a median price of $4,995. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 24.6% the V50 sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same V50 can differ by hundreds between two drivers.
How we work this out
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