Saab 9-5 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 2, 2023
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U.S. average insurance prices for a Saab 9-5 are $1,004 every 12 months for full coverage insurance. Comprehensive insurance costs on average $172, collision insurance costs $232, and liability coverage costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs $2,158 or more. Teenage drivers pay the highest rates at up to $4,012 a year.
Average premium for full coverage: $1,004
Price estimates by individual coverage:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all 9-5 models.
Price Range from Low to High
For a 40-year-old driver, Saab 9-5 insurance prices range from the cheapest price of $496 for just the minimum liability insurance to the much higher price of $2,158 for a high-risk insurance policy.
Geographic Price Range
Where you live has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities. The example below illustrates how your location can change car insurance rates.
The ranges above illustrate why everyone should compare prices based on a specific location and their own driving history, rather than using average rates.
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 Analysis
The chart below illustrates average Saab 9-5 insurance rates for different risk profiles and scenarios.
- The best discount rate is $609
- Using higher $1,000 deductibles will save around $92 each year
- The average price for the average middle-age driver with $500 deductibles is $1,004
- Using pricier low deductibles for physical damage coverage costs an extra $174 each year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,158
- The price to insure a teenage driver for full coverage may cost $4,012 or more
Insurance prices for a Saab 9-5 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your 9-5.
Using high physical damage deductibles could cut prices by as much as $270 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may only pay around $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $4,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 extra each year, depending on your age. Saab 9-5 insurance for high-risk drivers can be around 42% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Saab 9-5 insurance rates. A driver around age 40 might see prices as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,360 on average in Michigan, New York, and Florida.
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% |
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 Shop for Cheap Saab 9-5 Insurance
Getting lower rates on auto insurance requires being a good driver, having good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to shop around at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a brief summary of the car insurance concepts illustrated above.
- Drivers that tend to have accidents or serious violations pay on average $1,150 more each year than a safer driver
- It is possible to save as much as $110 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $275 each year
- Consumers who require an increased level of liability coverage will pay an extra $490 annually to increase from a low limit to a 250/500 level
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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