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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The average insurance rates for a Saab 9-5 are $1,004 a year including full coverage. Comprehensive insurance costs an estimated $172, collision costs $232, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $2,158 or more. 16-year-old drivers cost the most to insure at $4,012 a year or more.
Average premium for full coverage: $1,004
Policy rates broken down by type of insurance:
Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all 9-5 models.
Price Range Variability
For the normal driver, Saab 9-5 insurance rates go from as low as $496 for your basic liability-only policy to the much higher price of $2,158 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates how geographic area affects insurance prices.
The examples above highlight why everyone should compare rates for a targeted area and risk profile, rather than using 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 Information
The chart below breaks down 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 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,004
- Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $174 each year
- High-risk insureds with multiple tickets or accidents could pay up to $2,158 or more
- Policy cost for full coverage for a teenage driver for full coverage can cost as much as $4,012 a year
Auto insurance rates for a Saab 9-5 also range considerably based on your risk profile, the model of your 9-5, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $4,000 a year. View Rates by Age
Your home state makes a big difference in Saab 9-5 insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,440 on average in Louisiana, New York, 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 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,200 to $1,700 in extra premium every year, depending on your age. Saab 9-5 insurance for high-risk drivers can cost around 42% to 133% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, and quoted rates will be varied 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 More Affordable Saab 9-5 Insurance
Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a summary of the primary concepts that were presented in the illustrations above.
- You may be able to save approximately $110 per year simply by quoting online well ahead of the renewal date
- Drivers who have multiple accidents or major violations may pay on average $1,150 more annually to insure their 9-5
- Increasing comprehensive and collision deductibles can save around $275 each year
- Teen drivers are the costliest to insure, with premiums being up to $334 each month if they have full coverage
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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