Saab 9-5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 2, 2023
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U.S. average auto insurance rates for a Saab 9-5 are $1,004 annually including full coverage. Comprehensive costs on average $172, collision costs $232, and liability coverage is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing around $2,158. Teen drivers pay the highest rates at $4,012 a year or more.
Average premium for full coverage: $1,004
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all 9-5 models.
Price Range from Low to High
For the average 40-year-old driver, Saab 9-5 insurance prices go from as cheap as $496 for the bare minimum liability coverage to the much higher price of $2,158 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than larger metro areas.
The example below illustrates the difference location can make on car insurance rates.
The ranges above highlight why everyone should get quotes based on a specific location and their own personal driving habits, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down estimated Saab 9-5 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $609
- Choosing higher $1,000 deductibles can save around $92 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,004
- Choosing pricier low deductibles for comp and collision coverage will cost $1,178
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,158 or more
- The price with full coverage for a teenage driver for full coverage may cost $4,012 each year
Insurance prices for a Saab 9-5 are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,700 extra each year, depending on your age. Saab 9-5 insurance for high-risk drivers ranges around 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $270 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Saab 9-5 insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,440 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $908 | -$96 | -9.6% |
| Alaska | $772 | -$232 | -23.1% |
| Arizona | $836 | -$168 | -16.7% |
| Arkansas | $1,004 | -$0 | 0.0% |
| California | $1,146 | $142 | 14.1% |
| Colorado | $960 | -$44 | -4.4% |
| Connecticut | $1,034 | $30 | 3.0% |
| Delaware | $1,138 | $134 | 13.3% |
| Florida | $1,258 | $254 | 25.3% |
| Georgia | $928 | -$76 | -7.6% |
| Hawaii | $724 | -$280 | -27.9% |
| Idaho | $680 | -$324 | -32.3% |
| Illinois | $750 | -$254 | -25.3% |
| Indiana | $758 | -$246 | -24.5% |
| Iowa | $678 | -$326 | -32.5% |
| Kansas | $956 | -$48 | -4.8% |
| Kentucky | $1,372 | $368 | 36.7% |
| Louisiana | $1,488 | $484 | 48.2% |
| Maine | $620 | -$384 | -38.2% |
| Maryland | $830 | -$174 | -17.3% |
| Massachusetts | $806 | -$198 | -19.7% |
| Michigan | $1,746 | $742 | 73.9% |
| Minnesota | $840 | -$164 | -16.3% |
| Mississippi | $1,204 | $200 | 19.9% |
| Missouri | $890 | -$114 | -11.4% |
| Montana | $1,080 | $76 | 7.6% |
| Nebraska | $794 | -$210 | -20.9% |
| Nevada | $1,206 | $202 | 20.1% |
| New Hampshire | $724 | -$280 | -27.9% |
| New Jersey | $1,124 | $120 | 12.0% |
| New Mexico | $890 | -$114 | -11.4% |
| New York | $1,060 | $56 | 5.6% |
| North Carolina | $578 | -$426 | -42.4% |
| North Dakota | $822 | -$182 | -18.1% |
| Ohio | $694 | -$310 | -30.9% |
| Oklahoma | $1,034 | $30 | 3.0% |
| Oregon | $922 | -$82 | -8.2% |
| Pennsylvania | $960 | -$44 | -4.4% |
| Rhode Island | $1,340 | $336 | 33.5% |
| South Carolina | $910 | -$94 | -9.4% |
| South Dakota | $848 | -$156 | -15.5% |
| Tennessee | $882 | -$122 | -12.2% |
| Texas | $1,210 | $206 | 20.5% |
| Utah | $744 | -$260 | -25.9% |
| Vermont | $690 | -$314 | -31.3% |
| Virginia | $602 | -$402 | -40.0% |
| Washington | $778 | -$226 | -22.5% |
| West Virginia | $922 | -$82 | -8.2% |
| Wisconsin | $696 | -$308 | -30.7% |
| Wyoming | $896 | -$108 | -10.8% |
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so the prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2006 Saab 9-5 | $172 | $232 | $442 | $1,004 |
Rates are averaged for all Saab 9-5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Saab 9-5 Insurance
Getting lower rates on auto insurance takes being a good driver, having a good credit history, being claim-free, and bundling your home and auto policies. Make time to compare rates once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a condensed summary of the data that was touched on in this article.
- You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
- Consumers who require an increased level of liability coverage will pay about $490 per year to raise limits from a low limit to higher 250/500 limits
- Drivers age 16 to 20 pay the highest prices, possibly costing $334 a month including comprehensive and collision insurance
- Drivers with multiple at-fault accidents pay on average $1,150 more each year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,012 |
| 20 | $2,298 |
| 30 | $1,026 |
| 40 | $1,004 |
| 50 | $924 |
| 60 | $904 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,178 |
| $250 | $1,098 |
| $500 | $1,004 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,004 |
| 50/100 | $1,092 |
| 100/300 | $1,203 |
| 250/500 | $1,490 |
| 100 CSL | $1,137 |
| 300 CSL | $1,380 |
| 500 CSL | $1,557 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,652 |
| 20 | $3,658 |
| 30 | $2,178 |
| 40 | $2,158 |
| 50 | $2,064 |
| 60 | $2,044 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $53 |
| Homeowner | $17 |
| 5-yr Accident Free | $62 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $37 |
| Advance Quote | $44 |
| Online Quote | $68 |
| Total Discounts | $395 |
Discounts are estimated and may not be available from every company or in every state.
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