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 with full coverage. Comprehensive insurance costs an estimated $172 a year, collision insurance costs $232, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs $2,158 or more. 16-year-old drivers pay the highest rates at up to $4,012 a year.
Average premium for full coverage: $1,004
Price estimates broken down by individual coverage:
Full coverage includes $500 deductibles, liability coverage up to 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
For a 40-year-old driver, Saab 9-5 insurance prices range from as cheap as $496 for the bare minimum liability coverage to a high of $2,158 for a high-risk driver policy.
Geographic Price Range
Your location can make a big difference on car insurance rates. More rural locations have fewer collision claims than congested cities. The diagram below illustrates how your location can change insurance prices.
The ranges above demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on 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.
Additional Rate Information
The chart below details average Saab 9-5 insurance rates for other coverage scenarios.
- The best full coverage rate is $609
- Drivers who choose higher $1,000 deductibles will pay approximately $912 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,004
- Buying low $100 deductibles for comprehensive and collision insurance costs an additional $174 annually
- Drivers with multiple tickets or accidents could pay up to $2,158
- The price with full coverage for a 16-year-old driver can cost as much as $4,012 a year
Insurance prices for a Saab 9-5 are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $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 rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $270 annually, while buying higher liability limits will increase premiums. Moving 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 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 Utah, Ohio, and New Hampshire, or at least $1,360 on average in New York, Michigan, and Florida.
| 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% |
| 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 More Affordable Saab 9-5 Insurance
Getting lower rates on insurance for a Saab 9-5 not only requires not taking risks behind the wheel, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every time your policy renews by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a summary of the information illustrated above.
- You may be able to save approximately $110 per year just by quoting early and online
- Teens are charged the highest prices, costing up to $334 a month including comprehensive and collision insurance
- Increasing physical damage deductibles could save up to $275 each year
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,150 more annually for 9-5 insurance
- Insureds who want higher liability limits will pay around $490 every year to go from a low limit to higher 250/500 limits
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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