Saab 9-5 Insurance Rates

The average insurance rates for a Saab 9-5 are $1,004 a year for full coverage. Comprehensive costs approximately $172 a year, collision insurance costs $232, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs around $2,158. Teen drivers cost the most to insure at up to $4,012 a year.

Average premium for full coverage: $1,004

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and 9-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why it is important to get quotes using their specific location and risk profile, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $609
• Choosing higher $1,000 deductibles can save $912 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,004
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,178
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,158
• Policy cost for full coverage for a teen driver can cost $4,012 each year

View Chart as Image

Insurance rates for a Saab 9-5 also range considerably based on your risk profile, the trim level of your 9-5, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Saab 9-5 insurance rates. A good driver about age 40 could pay 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 save as much as $270 each year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 133% more than average. View High Risk Driver Rates

How to Find Cheaper Saab 9-5 Insurance

Finding cheaper rates on Saab 9-5 insurance takes being a good driver, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a condensed summary of the information covered above.

• Drivers can save around $110 per year just by quoting early and online
• Drivers age 16 to 20 are the costliest to insure, costing up to $334 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $275 each year
• High-risk drivers with multiple at-fault accidents may pay on average $1,150 more per year than a safer driver
• Drivers who purchase an increased level of liability coverage will pay about $490 each year to raise limits from a 30/60 limit to 250/500 limits