Saab 9-5 Insurance Rates

Average insurance rates for a Saab 9-5 are $1,004 a year including full coverage. Comprehensive costs on average $172 a year, collision insurance costs $232, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $2,158. 16-year-old drivers receive the highest rates at up to $4,012 a year.

Average premium for full coverage: $1,004

Rate estimates by individual coverage type:

Prices include $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and 9-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on car insurance rates.

These examples highlight why it is important to compare rates quotes based on a specific location, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below breaks down average Saab 9-5 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $609
• Raising to $1,000 deductibles will save around $912 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,004
• Buying low $100 deductibles bumps up the cost to $1,178
• Drivers with multiple tickets or accidents could pay upwards of $2,158
• The cost that insures a 16-year-old driver may cost $4,012

View Chart as Image

Car insurance rates for a Saab 9-5 can also vary considerably based on the trim level of your 9-5, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,200 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged upwards of $4,000 a year. View Rates by Age

Where you live also has a big influence on Saab 9-5 insurance prices. A middle-age driver might find rates as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,440 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $270 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Right Saab 9-5 Insurance

Saving money on insurance for a Saab 9-5 consists of having a good driving record, having a positive credit history, not filing small claims, and possibly raising deductibles. Comparison shop every year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick rundown of the coverage data touched on in this article.

• You may be able to save as much as $110 per year just by quoting early and online
• Increasing deductibles can save approximately $275 each year
• Drivers age 20 and younger are expensive to insure, as much as $334 per month if full coverage is purchased
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,150 more each year to buy Saab 9-5 insurance