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 auto insurance rates for a Saab 9-5 are $1,004 annually for full coverage. Comprehensive insurance costs around $172, collision costs $232, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $2,158 or more. Teens pay the highest rates at $4,012 a year or more.
Average premium for full coverage: $1,004
Price estimates for individual coverage:
Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all 9-5 models.
Price Range from Low to High
For the average driver, Saab 9-5 insurance prices go from as cheap as $496 for the bare minimum liability coverage to the much higher price of $2,158 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than cities with more traffic congestion.
The example below illustrates how location impacts auto insurance rates.
The ranges above show why everyone should compare rates for a specific zip code and their own personal driving habits, instead of using averaged prices.
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.
Additional Rate Information
The chart below shows estimated Saab 9-5 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $609
- Drivers who choose higher $1,000 deductibles will pay about $92 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,004
- Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $174 every year
- Higher-risk drivers with serious driving violations could pay at least $2,158 or more
- The price with full coverage for a teen driver for full coverage can be $4,012 a year
Car insurance prices for a Saab 9-5 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $4,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,200 to $1,700 extra each year, depending on your age. Saab 9-5 insurance for high-risk drivers can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $270 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Saab 9-5 insurance prices. A 40-year-old driver could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,440 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to regularly compare prices and see which company has the best price. Every company calculates prices differently, so rate quotes may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2006 Saab 9-5 | $178 | $246 | $446 | $1,028 |
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 Best Saab 9-5 Insurance
Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a brief recap of the ideas that were touched on above.
- Teenage drivers are the costliest to insure, with premiums as much as $334 a month if comprehensive and collision insurance is included
- Higher risk drivers who tend to receive serious violations pay an average of $1,150 more every year for auto insurance
- Increasing physical damage deductibles could save up to $275 each year
- Drivers can save up to $110 per year simply by quoting online well ahead of the renewal date
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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