Saab 9-5 Insurance Rates
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UPDATED: Jun 2, 2023
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Average insurance prices for a Saab 9-5 are $1,004 every 12 months including full coverage. Comprehensive insurance costs approximately $172, collision costs $232, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $2,158 or more. 16-year-old drivers receive the highest rates at $4,012 a year or more.
Average premium for full coverage: $1,004
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different 9-5 trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $496 for your basic liability-only policy to a much higher rate of $2,158 for a policy for a high-risk driver.
Price Range by Location
Where you live has a large influence on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities.
The price range example below illustrates how location helps determine auto insurance prices.
These examples highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than using rate 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.
More Rate Information
The chart below breaks down estimated Saab 9-5 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $609
- Using higher $1,000 deductibles will save $92 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,004
- Buying more expensive low deductibles for physical damage coverage costs an extra $174 each year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,158 or more
- The cost to insure a teenage driver with full coverage can cost $4,012 or more
Car insurance rates for a Saab 9-5 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your 9-5.
Opting for high physical damage deductibles could cut rates by as much as $270 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,000 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $4,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance can be around 42% to 133% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on Saab 9-5 insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,440 on average in Louisiana, New York, and Michigan.
| 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% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2006 Saab 9-5 | $178 | $246 | $446 | $1,028 |
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 Shop for Low Cost Saab 9-5 Insurance
Saving money on auto insurance requires being a good driver, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates every year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The following list is a review of the coverage data covered in the charts and tables above.
- You may be able to save around $110 per year simply by shopping early and online
- Increasing deductibles could save as much as $275 each year
- Drivers age 16 to 20 pay the highest auto insurance rates, as much as $334 per month if the policy includes full coverage
- Drivers who have several accidents or serious violations could be charged and average of $1,150 more per 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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