Saab 9-5 Insurance Rates

U.S. average insurance prices for a Saab 9-5 are $1,004 every 12 months with full coverage. Comprehensive costs around $172 a year, collision insurance costs $232, and liability costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs around $2,158. Teens pay the highest rates at up to $4,012 a year.

Average premium for full coverage: $1,004

Price estimates for individual coverage:

Includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and 9-5 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance rates.

The ranges above demonstrate why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $609
• Drivers who choose higher $1,000 deductibles will pay about $912 annually
• The average price for the average middle-age driver using $500 deductibles is $1,004
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,178
• Drivers with serious driving violations could pay at least $2,158
• The price to insure a 16-year-old driver can be $4,012 a year

View Chart as Image

Car insurance prices for a Saab 9-5 are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $270 annually, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $4,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Saab 9-5 insurance prices. A 40-year-old driver could pay as low as $730 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,360 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Cheapest Saab 9-5 Insurance

Getting lower rates on insurance for a Saab 9-5 not only requires avoiding accidents and claims, but also maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a recap of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $110 per year just by quoting early and online
• Drivers considered higher risk that have major violations or accidents pay on average $1,150 more every year to insure a Saab 9-5
• Increasing physical damage deductibles could save as much as $275 each year
• Drivers under the age of 20 are the costliest to insure, costing up to $334 a month if the policy includes full coverage