Saab 9-5 Insurance Rates

The average insurance rates for a Saab 9-5 are $1,004 a year including full coverage. Comprehensive insurance costs an estimated $172 each year, collision insurance costs $232, and liability is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs $2,158 or more. Teenage drivers cost the most to insure at up to $4,012 a year.

Average premium for full coverage: $1,004

Policy rates broken down by type of insurance:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and 9-5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area, instead of using average rates.

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

More Rate Details

The chart below breaks down average Saab 9-5 insurance rates for other coverage scenarios.

• The best discount rate is $609
• Raising to $1,000 deductibles will save approximately $92 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,004
• Using low deductibles will cost an additional $174 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,158
• Policy cost that insures a teen driver can cost as much as $4,012

View Chart as Image

Insurance rates for a Saab 9-5 also range considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $4,000 a year. View Rates by Age

Your home state also has a big influence on Saab 9-5 insurance prices. A middle-age driver might find rates as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,440 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $270 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

How to Find Low Cost Saab 9-5 Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare prices every year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

Below is a review of the coverage data touched on in this article.

• You may be able to save approximately $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $275 each year
• Teenage drivers are charged the highest rates, with premiums being up to $334 each month if full coverage is included
• Higher risk drivers who have several accidents or serious violations could be charged and average of $1,150 more annually for auto insurance