Saab 9-5 Insurance Rates

Average insurance rates for a Saab 9-5 are $1,004 a year for full coverage. Comprehensive costs an estimated $172, collision insurance costs $232, and liability insurance is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs around $2,158. Teen drivers receive the highest rates at up to $4,012 a year.

Average premium for full coverage: $1,004

Rate estimates broken down by individual coverage type:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all 9-5 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.

These examples show why everyone should compare rates quotes for a targeted area and risk profile, rather than relying on price averages.

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

Additional Charts and Tables

The chart below shows average Saab 9-5 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $609
• Raising to $1,000 deductibles will save approximately $92 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,004
• Choosing pricier low deductibles will increase the cost to $1,178
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,158
• The cost for full coverage for a teen driver for full coverage can cost as much as $4,012

View Chart as Image

Insurance rates for a Saab 9-5 can also vary considerably based on your driver profile, the trim level of your 9-5, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $4,000 a year. View Rates by Age

Where you live also has a big influence on Saab 9-5 insurance rates. A middle-age driver might find rates as low as $660 a year in states like Iowa, Maine, and Idaho, or as much as $1,440 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $270 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,200 to $1,700 additional per year, depending on your age. Saab 9-5 insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

How to Find the Best Cheap Saab 9-5 Insurance

Saving money on Saab 9-5 insurance consists of being a good driver, having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to compare rates every other policy renewal by requesting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a quick review of the ideas that were presented in the illustrations above.

• Drivers age 16 to 20 are expensive to insure, costing as high as $334 per month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation pay an average of $1,150 more annually than a safer driver
• Increasing deductibles can save around $275 each year
• Drivers can save approximately $110 per year just by quoting online well ahead of the renewal date