Saab 9-5 Insurance Rates

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

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.

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

View Chart as Image

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.

View Chart as Image

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