Saab 9-5 Insurance Rates

Average insurance rates for a Saab 9-5 are $1,004 a year for full coverage. Comprehensive 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 around $2,158. 16-year-old drivers receive the highest rates at up to $4,012 a year.

Average premium for full coverage: $1,004

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all 9-5 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have lower incidents of accident claims than congested cities. The example below illustrates how your location can change car insurance rates.

These examples show why everyone should compare prices based on a specific location, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $609
• Using higher $1,000 deductibles will save around $92 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,004
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,178
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,158
• The cost that insures a teenage driver for full coverage may cost $4,012 or more

View Chart as Image

Insurance rates for a Saab 9-5 can also vary considerably based on the model of your 9-5, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,200 to $1,700 additional per year, depending on your age. Saab 9-5 insurance for high-risk drivers can be around 42% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,000 a year. View Rates by Age

Where you live has a huge impact on Saab 9-5 insurance rates. A driver around age 40 might see rates as low as $660 a year in states like Idaho, Maine, and Iowa, or at least $1,440 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $270 a year, whereas buying more liability protection will cost you more. Going 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 Right Saab 9-5 Insurance

Saving money on auto insurance requires avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and dropping full coverage on older vehicles. Comparison shop once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a quick rundown of the data that was illustrated above.

• Drivers can save as much as $110 per year just by quoting online well ahead of the renewal date
• Consumers who require higher liability limits will pay around $490 each year to increase from a minimum limit to the 250/500 level
• Teenagers pay higher rates, costing as high as $334 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions may pay on average $1,150 more each year for car insurance