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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Estimated insurance rates for a Saab 9-5 are $1,004 a year for full coverage. Comprehensive insurance costs approximately $172 each year, collision costs $232, and liability insurance is estimated at $442. A policy with only liability insurance costs approximately $496 a year, with a high-risk policy costing $2,158 or more. Teens pay the most at $4,012 a year or more.
Average premium for full coverage: $1,004
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and 9-5 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Saab 9-5 go from as low as $496 for basic liability insurance to a high rate of $2,158 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects auto insurance prices.
These rate differences show why all drivers should get quotes using their specific location and risk profile, rather than relying 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.
Rate Comparisons
The chart below shows estimated Saab 9-5 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $609
- Choosing higher $1,000 deductibles can save $92 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,004
- Selecting low deductibles for comp and collision coverage will cost an extra $174 a year
- High-risk insureds with serious driving violations could pay around $2,158 or more
- An auto insurance policy for full coverage for a teen driver can cost $4,012 each year
Car insurance prices for a Saab 9-5 also have a wide range based on your driving characteristics, the trim level of your 9-5, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles could pay as little 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 will be charged in the ballpark of $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 rates. A good driver about age 40 could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,440 on average in New York, Louisiana, 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 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere 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 know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer calculates prices differently, so rate quotes will be substantially different from one company to the next.
| 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 Find Low Cost Saab 9-5 Insurance
Finding better rates on Saab 9-5 insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest the time to compare rates every other policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The points below are a review of the ideas that were presented in the illustrations above.
- Drivers under the age of 20 pay the highest auto insurance prices, as much as $334 per month if full coverage is included
- High-risk drivers who have several accidents or serious violations may pay on average $1,150 more per year to insure a Saab 9-5
- Increasing policy deductibles can save around $275 each year
- Drivers can save around $110 per year simply by quoting online in advance
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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