Saab 9-5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 2, 2023
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U.S. average insurance rates for a Saab 9-5 are $1,004 a year for full coverage. Comprehensive costs an estimated $172, collision costs $232, and liability insurance costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing around $2,158. 16-year-old drivers pay the highest rates at $4,012 a year or more.
Average premium for full coverage: $1,004
Price estimates broken down by individual coverage:
Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different 9-5 trim levels.
Price Range from Low to High
For a driver around age 40, Saab 9-5 insurance prices go from as low as $496 for just liability insurance to a much higher rate of $2,158 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows estimated Saab 9-5 insurance rates for other coverage scenarios.
- The best full coverage rate is $609
- Drivers who choose higher $1,000 deductibles will pay approximately $92 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,004
- Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,178
- High risk drivers with multiple tickets or accidents could pay up to $2,158 or more
- The price for full coverage for a teen driver with full coverage can cost as much as $4,012 a year
Auto insurance prices for a Saab 9-5 are also quite variable based on your driving record, the trim level of your 9-5, and liability limits and deductibles.
An older driver with a good driving record and high deductibles could pay as little as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $4,000 a year. View Rates by Age
The state you live in makes a big difference in Saab 9-5 insurance rates. A 40-year-old driver could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or at least $1,440 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $908 | -$96 | -9.6% |
| Alaska | $772 | -$232 | -23.1% |
| Arizona | $836 | -$168 | -16.7% |
| Arkansas | $1,004 | -$0 | 0.0% |
| California | $1,146 | $142 | 14.1% |
| Colorado | $960 | -$44 | -4.4% |
| Connecticut | $1,034 | $30 | 3.0% |
| Delaware | $1,138 | $134 | 13.3% |
| Florida | $1,258 | $254 | 25.3% |
| Georgia | $928 | -$76 | -7.6% |
| Hawaii | $724 | -$280 | -27.9% |
| Idaho | $680 | -$324 | -32.3% |
| Illinois | $750 | -$254 | -25.3% |
| Indiana | $758 | -$246 | -24.5% |
| Iowa | $678 | -$326 | -32.5% |
| Kansas | $956 | -$48 | -4.8% |
| Kentucky | $1,372 | $368 | 36.7% |
| Louisiana | $1,488 | $484 | 48.2% |
| Maine | $620 | -$384 | -38.2% |
| Maryland | $830 | -$174 | -17.3% |
| Massachusetts | $806 | -$198 | -19.7% |
| Michigan | $1,746 | $742 | 73.9% |
| Minnesota | $840 | -$164 | -16.3% |
| Mississippi | $1,204 | $200 | 19.9% |
| Missouri | $890 | -$114 | -11.4% |
| Montana | $1,080 | $76 | 7.6% |
| Nebraska | $794 | -$210 | -20.9% |
| Nevada | $1,206 | $202 | 20.1% |
| New Hampshire | $724 | -$280 | -27.9% |
| New Jersey | $1,124 | $120 | 12.0% |
| New Mexico | $890 | -$114 | -11.4% |
| New York | $1,060 | $56 | 5.6% |
| North Carolina | $578 | -$426 | -42.4% |
| North Dakota | $822 | -$182 | -18.1% |
| Ohio | $694 | -$310 | -30.9% |
| Oklahoma | $1,034 | $30 | 3.0% |
| Oregon | $922 | -$82 | -8.2% |
| Pennsylvania | $960 | -$44 | -4.4% |
| Rhode Island | $1,340 | $336 | 33.5% |
| South Carolina | $910 | -$94 | -9.4% |
| South Dakota | $848 | -$156 | -15.5% |
| Tennessee | $882 | -$122 | -12.2% |
| Texas | $1,210 | $206 | 20.5% |
| Utah | $744 | -$260 | -25.9% |
| Vermont | $690 | -$314 | -31.3% |
| Virginia | $602 | -$402 | -40.0% |
| Washington | $778 | -$226 | -22.5% |
| West Virginia | $922 | -$82 | -8.2% |
| Wisconsin | $696 | -$308 | -30.7% |
| Wyoming | $896 | -$108 | -10.8% |
Opting for high physical damage deductibles could save up to $270 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,200 to $1,700 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Every company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2006 Saab 9-5 | $172 | $232 | $442 | $1,004 |
Rates are averaged for all Saab 9-5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Saab 9-5 Insurance
Getting lower rates on Saab 9-5 insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a condensed summary of the ideas that were covered above.
- Teens are the costliest to insure, with premiums as much as $334 a month if they have full coverage
- High-risk drivers with multiple at-fault accidents pay an average of $1,150 more annually for 9-5 insurance
- Increasing physical damage deductibles can save around $275 each year
- Drivers can save approximately $110 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,012 |
| 20 | $2,298 |
| 30 | $1,026 |
| 40 | $1,004 |
| 50 | $924 |
| 60 | $904 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,178 |
| $250 | $1,098 |
| $500 | $1,004 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,004 |
| 50/100 | $1,092 |
| 100/300 | $1,203 |
| 250/500 | $1,490 |
| 100 CSL | $1,137 |
| 300 CSL | $1,380 |
| 500 CSL | $1,557 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,652 |
| 20 | $3,658 |
| 30 | $2,178 |
| 40 | $2,158 |
| 50 | $2,064 |
| 60 | $2,044 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $53 |
| Homeowner | $17 |
| 5-yr Accident Free | $62 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $37 |
| Advance Quote | $44 |
| Online Quote | $68 |
| Total Discounts | $395 |
Discounts are estimated and may not be available from every company or in every state.
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