Saab 9-5 Insurance Rates
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UPDATED: Jun 2, 2023
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Estimated insurance rates for a Saab 9-5 are $1,004 a year for full coverage insurance. Comprehensive costs an estimated $172 a year, collision costs $232, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $2,158. Teens pay the most at $4,012 a year or more.
Average premium for full coverage: $1,004
Premium estimates broken down by type of coverage:
Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and 9-5 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Saab 9-5 go from as low as $496 for just liability insurance to a high of $2,158 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine insurance prices.
These rate differences illustrate why it is important to get quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.
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 Details
The chart below illustrates estimated Saab 9-5 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $609
- Choosing higher $1,000 deductibles can save approximately $912 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,004
- Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,178
- Higher-risk drivers with serious driving violations could pay up to $2,158 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $4,012 each year
Insurance prices for a Saab 9-5 also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $4,000 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Saab 9-5 insurance prices. A good driver about age 40 could pay as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,360 on average in Florida, 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $270 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each auto insurer calculates prices differently, so the prices will be substantially different from one company to the next.
| 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 Find the Cheapest Saab 9-5 Insurance
Finding better rates on insurance for a Saab 9-5 takes avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates every time your policy renews by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a recap of the information covered in the charts and tables above.
- It is possible to save approximately $110 per year simply by quoting early and online
- Drivers under the age of 20 are charged the highest prices, with premiums being up to $334 per month for full coverage
- Increasing policy deductibles can save around $275 each year
- Drivers considered higher risk that have major violations or accidents pay on average $1,150 more annually to insure a Saab 9-5
- Insureds who want increased liability limits will pay approximately $490 annually to raise limits from 30/60 bodily injury limits to 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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