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 with full coverage. Comprehensive costs an estimated $172, collision costs $232, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $2,158. Teenage drivers pay the highest rates at $4,012 a year or more.
Average premium for full coverage: $1,004
Price estimates broken down by individual coverage:
Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different 9-5 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Saab 9-5 insurance prices go from as cheap as $496 for minimum levels of liability insurance to a much higher rate of $2,158 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can make a big difference on car insurance rates. More rural locations have fewer collision claims than densely populated cities.
The price range example below illustrates how rural and urban location affects insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on 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 Details
The chart below details estimated Saab 9-5 insurance rates for other coverage scenarios.
- The best discount rate is $609
- Drivers who choose higher $1,000 deductibles will pay approximately $92 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,004
- Using more expensive low deductibles for comprehensive and collision insurance will cost $1,178
- Drivers who are prone to accidents and violations could pay up to $2,158 or more
- The price with full coverage for a 16-year-old driver with full coverage can cost as much as $4,012 a year
Insurance prices for a Saab 9-5 are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as low 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 can expect to pay at least $4,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $270 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. 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 $730 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,360 on average in New York, Michigan, 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% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from multiple companies. Every company uses a different method to calculate prices, so the prices may be quite different between companies.
| 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 Buy the Right Saab 9-5 Insurance
Getting lower rates on insurance for a Saab 9-5 not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a quick rundown of the data raised in the charts and tables above.
- Insureds who want more liability coverage will pay an extra $490 every year to go from a low limit to higher 250/500 limits
- You may be able to save approximately $110 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $275 each year
- Teen drivers are charged the highest prices, costing up to $334 a month including comprehensive and collision insurance
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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