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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Average insurance prices for a Saab 9-5 are $1,004 every 12 months for full coverage insurance. Comprehensive costs approximately $172, collision costs $232, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $2,158. Teenage drivers receive the highest rates at $4,012 a year or more.
Average premium for full coverage: $1,004
Rate estimates by individual coverage type:
Includes $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all 9-5 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go 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.
Price Range by Location
Your location can have significant affects on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities.
The example below illustrates how your location can change auto insurance prices.
These examples illustrate why everyone should compare rates using their specific location and their own driving history, instead of 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 estimated Saab 9-5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $609
- Drivers who choose higher $1,000 deductibles will pay $92 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,004
- Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,178
- Higher-risk drivers who are prone to accidents and violations could pay around $2,158 or more
- The cost to insure a teen driver for full coverage can cost $4,012 a year
Insurance rates for a Saab 9-5 can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your 9-5.
Using high physical damage deductibles could save up to $270 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,200 to $1,700 additional per year, depending on your age. Saab 9-5 insurance for high-risk drivers can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Saab 9-5 insurance prices. A 40-year-old driver could pay as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,360 on average in Florida, New York, 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% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and rates can be significantly 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 Cheapest Saab 9-5 Insurance
Saving money on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following is a recap of the car insurance concepts illustrated above.
- Higher risk drivers that have major violations or accidents may have to pay on average $1,150 more per year for 9-5 insurance
- It is possible to save around $110 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $275 each year
- Policyholders who purchase higher liability limits will pay an extra $490 annually to go from a minimum limit to a 250/500 level
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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