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...

Dani Best

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 prices for a Saab 9-5 are $1,004 every 12 months for full coverage insurance. Comprehensive insurance costs on average $172, collision insurance costs $232, and liability coverage costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs $2,158 or more. Teenage drivers pay the highest rates at up to $4,012 a year.

Average premium for full coverage: $1,004

Price estimates by individual coverage:

Comprehensive $172
Collision $232
Liability $442

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all 9-5 models.

Price Range from Low to High

For a 40-year-old driver, Saab 9-5 insurance prices range from the cheapest price of $496 for just the minimum liability insurance to the much higher price of $2,158 for a high-risk insurance policy.

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

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities. The example below illustrates how your location can change car insurance rates.

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

The ranges above illustrate why everyone should compare prices based on a specific location and their own driving history, rather than using average rates.

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 illustrates average Saab 9-5 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $609
  • Using higher $1,000 deductibles will save around $92 each year
  • The average price for the average middle-age driver with $500 deductibles is $1,004
  • Using pricier low deductibles for physical damage coverage costs an extra $174 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,158
  • The price to insure a teenage driver for full coverage may cost $4,012 or more

View Chart as Image

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

Insurance prices for a Saab 9-5 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your 9-5.

Using high physical damage deductibles could cut prices by as much as $270 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $4,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 extra each year, depending on your age. Saab 9-5 insurance for high-risk drivers can be around 42% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Saab 9-5 insurance rates. A driver around age 40 might see prices as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,360 on average in Michigan, New York, 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
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 Shop for Cheap Saab 9-5 Insurance

Getting lower rates on auto insurance requires being a good driver, having good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to shop around at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief summary of the car insurance concepts illustrated above.

  • Drivers that tend to have accidents or serious violations pay on average $1,150 more each year than a safer driver
  • It is possible to save as much as $110 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save as much as $275 each year
  • Consumers who require an increased level of liability coverage will pay an extra $490 annually to increase from a low limit to a 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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