Saab 9-5 Insurance Rates

The average insurance rates for a Saab 9-5 are $1,004 a year with full coverage. Comprehensive insurance costs on average $172 each year, collision insurance costs $232, and liability insurance is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs $2,158 or more. Teenage drivers cost the most to insure at up to $4,012 a year.

Average premium for full coverage: $1,004

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and 9-5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location, rather than relying on average rates.

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

More Rate Details

The chart below details average Saab 9-5 insurance rates for different risk profiles and scenarios.

• The best discount rate is $609
• Raising to $1,000 deductibles will save around $92 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,004
• Using low deductibles will cost an additional $174 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,158
• Policy cost that insures a teen driver may cost $4,012

View Chart as Image

Insurance rates for a Saab 9-5 also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,000 a year. View Rates by Age

Your home state also has a big influence on Saab 9-5 insurance rates. A middle-age driver might find rates as low as $730 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,360 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $270 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Saab 9-5 Insurance

Finding cheaper rates on Saab 9-5 insurance consists of being safe and accident-free, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices at every policy renewal by quoting rates from direct companies, and also from several local insurance agents.

Below you'll find a quick rundown of the data covered above.

• Drivers who require more liability protection will pay an extra $490 every year to raise from a 30/60 limit to the 250/500 level
• You may be able to save as much as $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $275 each year
• Youthful drivers pay higher rates, as much as $334 each month if comprehensive and collision insurance is included