Saab 9-5 Insurance Rates

The average auto insurance rates for a Saab 9-5 are $1,004 annually for full coverage. Comprehensive insurance costs around $172 a year, collision insurance costs $232, and liability insurance costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs $2,158 or more. Teen drivers cost the most to insure at up to $4,012 a year.

Average premium for full coverage: $1,004

Policy rates for type of insurance:

Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and 9-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below shows average Saab 9-5 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $609
• Using higher $1,000 deductibles will save about $912 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,004
• Choosing low $100 deductibles for physical damage coverage costs an additional $174 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,158
• Policy cost with full coverage for a teen driver can be $4,012 or more

View Chart as Image

Car insurance rates for a Saab 9-5 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $270 each year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Saab 9-5 insurance rates. A driver around age 40 might see rates as low as $660 a year in states like Idaho, Maine, and Iowa, or as much as $1,440 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Right Saab 9-5 Insurance

Finding cheaper rates on Saab 9-5 insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a quick rundown of the ideas that were covered in the charts and tables above.

• Teens are the costliest to insure, costing up to $334 each month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,150 more every year for 9-5 insurance
• Increasing comprehensive and collision deductibles could save up to $275 each year
• Drivers can save up to $110 per year just by quoting early and online