Saab 9-5 Insurance Rates

Estimated insurance rates for a Saab 9-5 are $1,004 a year with full coverage. Comprehensive insurance costs approximately $172 a year, collision insurance costs $232, and liability is $442. A policy with only liability insurance costs around $496 a year, and a high-risk policy costs $2,158 or more. Teen drivers pay the most at up to $4,012 a year.

Average premium for full coverage: $1,004

Premium estimates by type of coverage:

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and 9-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than larger metro areas. The diagram below illustrates how your location can change auto insurance prices.

These rate differences demonstrate why it is important to compare rates quotes using their specific location, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below details average Saab 9-5 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $609
• Raising to $1,000 deductibles will save $912 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,004
• Choosing low $100 deductibles will cost an additional $174 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,158
• An auto insurance policy that insures a 16-year-old driver can cost $4,012

View Chart as Image

Car insurance prices for a Saab 9-5 also have a wide range based on the trim level of your 9-5, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,000 a year. View Rates by Age

Where you choose to live also has a big influence on Saab 9-5 insurance prices. A middle-age driver might find prices as low as $730 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,360 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $270 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find More Affordable Saab 9-5 Insurance

Finding better rates on insurance for a Saab 9-5 consists of not taking risks behind the wheel, having a positive credit history, being claim-free, and attention to physical damage deductibles. Shop around at least every other year by requesting quotes from direct companies, and also from local insurance agencies.

The following is a summary of the car insurance concepts illustrated above.

• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,150 more per year for 9-5 insurance
• You may be able to save around $110 per year just by quoting early and online
• Increasing policy deductibles can save approximately $275 each year
• Insureds who purchase higher liability limits will pay about $490 every year to raise from 30/60 bodily injury limits to the 250/500 level