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 prices for a Saab 9-5 are $1,004 every 12 months including full coverage. Comprehensive insurance costs around $172 each year, collision costs $232, and liability insurance costs $442. A policy with only liability insurance costs as little as $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 for type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and 9-5 models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Saab 9-5 go from the cheapest price of $496 for minimum levels of liability insurance to a high rate of $2,158 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how your location can change auto insurance rates.
These rate differences highlight why all drivers should compare rates for a specific zip code and their own driving history, 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.
Additional Rate Details
The chart below breaks down estimated Saab 9-5 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $609
- Drivers who choose higher $1,000 deductibles will pay about $92 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,004
- Selecting low deductibles for comprehensive and collision insurance costs an extra $174 a year
- High risk drivers with serious driving violations could pay at least $2,158 or more
- An auto insurance policy to insure a teen driver can be $4,012 a year
Car insurance prices for a Saab 9-5 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $270 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $4,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Saab 9-5 insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,440 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company calculates prices differently, so rate quotes will be substantially different.
| 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 Shop for the Best Saab 9-5 Insurance
Finding better rates on Saab 9-5 insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to shop around once a year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
The list below is a brief recap of the data that was illustrated above.
- You may be able to save up to $110 per year simply by quoting online in advance
- Drivers who may need higher liability limits will pay approximately $490 per year to go from 30/60 bodily injury limits to a 250/500 level
- Teenagers are the costliest to insure, with the cost nearing $334 per month if the policy includes full coverage
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,150 more every year for car insurance
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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