Saab 9-5 Insurance Rates

The average auto insurance rates for a Saab 9-5 are $1,004 annually for full coverage insurance. Comprehensive costs approximately $172 each year, collision costs $232, and liability insurance is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing around $2,158. Teenage drivers cost the most to insure at $4,012 a year or more.

Average premium for full coverage: $1,004

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and 9-5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

The chart below illustrates estimated Saab 9-5 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $609
• Raising to $1,000 deductibles will save $92 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,004
• Using low deductibles will cost $1,178
• Higher-risk drivers who are prone to accidents and violations could pay around $2,158 or more
• Policy cost with full coverage for a teen driver can cost $4,012

View Chart as Image

Insurance rates for a Saab 9-5 also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $270 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Saab 9-5 insurance rates. A middle-age driver might find rates as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,360 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates will be varied between companies.

How to Buy More Affordable Saab 9-5 Insurance

Finding cheaper rates on Saab 9-5 insurance consists of being safe and accident-free, having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to compare rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a summary of the car insurance concepts covered above.

• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,150 more per year than a low-risk driver
• It is possible to save around $110 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $275 each year
• Drivers who purchase more liability protection will pay an extra $490 annually to raise from a 30/60 limit to higher 250/500 limits