Saab 9-5 Insurance Rates

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UPDATED: Jun 2, 2023

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Average auto insurance rates for a Saab 9-5 are $1,004 annually for full coverage insurance. Comprehensive costs an estimated $172, collision costs $232, and liability coverage is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing around $2,158. Teen drivers receive the highest rates at $4,012 a year or more.

Average premium for full coverage: $1,004

Rate estimates broken down by individual coverage type:

Comprehensive $172
Collision $232
Liability $442

Includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different 9-5 trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as cheap as $496 for your basic liability-only policy to a much higher rate of $2,158 for a high-risk driver policy.

Liability Only $496
Full Coverage $1,004
High Risk $2,158

Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how location helps determine insurance prices.

Rural Areas $753
Small Cities $1,054
Large Cities $1,355

These examples illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than using price 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 Information

The chart below illustrates estimated Saab 9-5 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $609
  • Choosing higher $1,000 deductibles can save approximately $92 each year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,004
  • Choosing more expensive low deductibles for comp and collision coverage will cost $1,178
  • Drivers with multiple violations and an at-fault accident could pay up to $2,158 or more
  • The cost with full coverage for a teenage driver with full coverage can cost as much as $4,012 each year

View Chart as Image

Saab 9-5 insurance cost comparison chart
Column chart showing full coverage Saab 9-5 insurance rates range from $609 to $4,012

Insurance rates for a Saab 9-5 can also vary considerably based on the trim level of your 9-5, your risk profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,000 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $4,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance ranges around 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $270 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Saab 9-5 insurance rates. A good driver about age 40 could pay as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,360 on average in Florida, New York, and Michigan.

Saab 9-5 Insurance Rates by State
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%

View Chart as Image

Saab 9-5 insurance rates by U.S. city

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so the rates can be significantly different between companies.

Saab 9-5 Insurance Rates by Model Year
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 Buy the Cheapest Saab 9-5 Insurance

Saving money on auto insurance takes being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every time your policy renews by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a recap of the information covered in the charts and tables above.

  • It is possible to save approximately $110 per year simply by shopping early and online
  • Youthful drivers are charged the highest rates, costing up to $334 per month including comprehensive and collision insurance
  • Increasing deductibles could save up to $275 each year
  • Drivers that have major violations or accidents may pay on average $1,150 more annually than a low-risk driver
  • Consumers who want more liability protection will pay about $490 annually to raise limits from a minimum limit to higher 250/500 limits

Rates by Driver Age

Saab 9-5 Insurance 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

Saab 9-5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,178
$250 $1,098
$500 $1,004
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Saab 9-5 Insurance Rates with Different Liability Limits
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

Saab 9-5 Insurance 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.

SR-22 Surcharge $133

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
Rate after discounts $609

Discounts are estimated and may not be available from every company or in every state.

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