Saab 9-5 Insurance Rates

U.S. average insurance rates for a Saab 9-5 are $1,004 a year including full coverage. Comprehensive costs on average $172, collision insurance costs $232, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs around $2,158. 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:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all 9-5 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.

The ranges above highlight why everyone should compare rates based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $609
• Drivers who choose higher $1,000 deductibles will pay around $92 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,004
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,178
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,158
• The price for full coverage for a teenage driver for full coverage may cost $4,012 a year

View Chart as Image

Car insurance prices for a Saab 9-5 are also quite variable based on your driving record, the model of your 9-5, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $4,000 a year. View Rates by Age

The state you live in 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 be forced to pay as much as $1,440 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $270 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely 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 cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Saab 9-5 Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and possibly raising deductibles. Make time to compare rates at least once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a condensed summary of the primary concepts that were touched on in this article.

• You may be able to save as much as $110 per year just by quoting online well ahead of the renewal date
• Drivers with multiple at-fault accidents may pay on average $1,150 more each year for car insurance
• Increasing physical damage deductibles can save around $275 each year
• Teenagers are expensive to insure, possibly costing $334 a month if full coverage is included