Saab 9-5 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance prices for a Saab 9-5 are $1,004 every 12 months for full coverage insurance. Comprehensive insurance costs around $172, collision costs $232, and liability coverage is $442. A policy with just liability insurance costs around $496 a year, with coverage for high-risk drivers costing $2,158 or more. Teenage drivers receive the highest rates at $4,012 a year or more.
Average premium for full coverage: $1,004
Rate estimates for individual coverage type:
Price estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different 9-5 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $496 for just liability insurance to a much higher rate of $2,158 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates how where you live affects auto insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code 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.
More Rate Details
The chart below illustrates estimated Saab 9-5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $609
- Raising to $1,000 deductibles will save about $92 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,004
- Using more expensive low deductibles costs an extra $174 each year
- Unlucky drivers who are prone to accidents and violations could pay at least $2,158 or more
- The cost to insure a teenage driver with full coverage can be $4,012
Insurance rates for a Saab 9-5 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Using high physical damage deductibles can reduce rates by up to $270 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may only pay around $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates
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 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% |
With so much variability in rates, the only way to figure out your exact price is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different.
| 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 Shop for Cheaper Saab 9-5 Insurance
Saving money on auto insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a condensed summary of the material that was touched on in the above illustrations.
- Consumers who may need increased levels of liability coverage will pay an extra $490 annually to raise from a minimum limit to a 250/500 level
- Drivers age 20 and younger are charged the highest rates, costing up to $334 per month if full coverage is included
- Drivers with multiple at-fault accidents may pay on average $1,150 more every year to buy Saab 9-5 insurance
- Increasing deductibles could save as much as $275 each year
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
