Saab 9-5 Insurance Rates

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Cheapest 1999 Saab 9-5 Insurance Rates in 2025

Are you tired of trying to scrape together enough money together to pay for your 1999 Saab 9-5 Insurance every month? You are no different from the majority of other car owners. There are many car insurance companies to insure vehicles with, and although it's a good thing to have a choice, it can be more difficult to compare rates and find the lowest cost auto insurance. It's a good habit to...

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Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Jun 2, 2023

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U.S. average insurance rates for a Saab 9-5 are $1,004 a year with full coverage. Comprehensive costs approximately $172 a year, collision costs $232, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing around $2,158. 16-year-old drivers pay the highest rates at $4,012 a year or more.

Average premium for full coverage: $1,004

Price estimates by individual coverage:

Comprehensive $172
Collision $232
Liability $442

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and 9-5 trim levels.

Price Range from Low to High

For the average 40-year-old driver, Saab 9-5 insurance prices go from the low end price of $496 for just the minimum liability insurance to a high of $2,158 for a high-risk driver policy.

Liability Only $496
Full Coverage $1,004
High Risk $2,158

Geographic Price Range

Where you live can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $753
Small Cities $1,054
Large Cities $1,355

The ranges above demonstrate why it is important to compare prices using their specific location, 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 Analysis

The chart below details 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 $912 annually
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,004
  • Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,178
  • High-risk insureds with multiple tickets or accidents could pay around $2,158 or more
  • The price that insures a 16-year-old driver can cost $4,012 or more

View Chart as Image

Saab 9-5 insurance cost comparison chart
Column chart showing full coverage Saab 9-5 insurance rates range from $609 to $4,012

Insurance prices for a Saab 9-5 are also quite variable based on the trim level of your 9-5, your age and driving habits, and physical damage deductibles and liability limits.

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

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

The state you live in has a huge impact on Saab 9-5 insurance prices. A driver around age 40 might see prices 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.

Saab 9-5 Insurance Rates by State
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%

View Chart as Image

Saab 9-5 insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $270 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite different.

Saab 9-5 Insurance Rates by Model Year
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 Best Cheap Saab 9-5 Insurance

Getting lower rates on insurance for a Saab 9-5 requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop every time your policy renews by getting quotes from direct companies, and also from local insurance agencies.

The next list is a quick review of the information touched on in this article.

  • You may be able to save around $110 per year simply by quoting early and online
  • Drivers age 20 and younger are the costliest to insure, costing up to $334 a month if comprehensive and collision insurance is included
  • Increasing physical damage deductibles can save approximately $275 each year
  • Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,150 more per year to buy Saab 9-5 insurance
  • Insureds who purchase increased levels of liability coverage will pay around $490 every year to increase from a low limit to the 250/500 level

Rates by Driver Age

Saab 9-5 Insurance 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

Saab 9-5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,178
$250 $1,098
$500 $1,004
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Saab 9-5 Insurance Rates with Different Liability Limits
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

Saab 9-5 Insurance 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.

SR-22 Surcharge $133

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
Rate after discounts $609

Discounts are estimated and may not be available from every company or in every state.

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