Saab 9-5 Insurance Rates

Average insurance rates for a Saab 9-5 are $1,004 a year with full coverage. Comprehensive costs around $172 a year, collision insurance costs $232, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, and coverage for high-risk drivers costs around $2,158. Teenage drivers receive the highest rates at up to $4,012 a year.

Average premium for full coverage: $1,004

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and 9-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples demonstrate why it is important to get quotes for a specific zip code, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below details average Saab 9-5 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $609
• Choosing higher $1,000 deductibles can save about $912 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,004
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,178
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,158
• The cost that insures a 16-year-old driver can be $4,012 each year

View Chart as Image

Insurance rates for a Saab 9-5 can also vary considerably based on the trim level of your 9-5, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,200 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,000 a year. View Rates by Age

Where you live plays a big part in determining prices for Saab 9-5 insurance prices. A good driver about age 40 could pay as low as $730 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,360 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $270 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Saab 9-5 Insurance

Saving money on insurance for a Saab 9-5 takes being a good driver, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare prices every other policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief recap of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 are charged the highest rates, with premiums as much as $334 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,150 more every year than a safer driver
• Increasing deductibles can save approximately $275 each year
• You may be able to save up to $110 per year just by quoting early and online