Saab 9-5 Insurance Rates

The average insurance rates for a Saab 9-5 are $1,004 a year for full coverage insurance. Comprehensive insurance costs approximately $172, collision costs $232, and liability costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $2,158 or more. 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:

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different 9-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

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

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of using 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
• Using higher $1,000 deductibles will save $92 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,004
• Using more expensive low deductibles for physical damage coverage will cost an additional $174 every year
• Drivers who are prone to accidents and violations could pay around $2,158 or more
• Policy cost that insures a teen driver with full coverage can cost $4,012 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance can be as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state has a huge impact on Saab 9-5 insurance prices. A driver around age 40 might see 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

Using high physical damage deductibles could cut rates by as much as $270 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates will be varied.

How to Find the Right Saab 9-5 Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices at least once a year by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a quick rundown of the primary concepts that were covered in the charts and tables above.

• It is possible to save around $110 per year simply by shopping early and online
• Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,150 more per year to insure their 9-5
• Increasing comprehensive and collision deductibles can save approximately $275 each year
• Teen drivers are the costliest to insure, possibly costing $334 each month if comprehensive and collision insurance is included