Saab 9-5 Insurance Rates

Average auto insurance rates for a Saab 9-5 are $1,004 annually for full coverage insurance. Comprehensive costs around $172 a year, collision insurance costs $232, and liability is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs around $2,158. 16-year-old drivers receive the highest rates at up to $4,012 a year.

Average premium for full coverage: $1,004

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and 9-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $609
• Raising to $1,000 deductibles will save about $912 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,004
• Buying low $100 deductibles will cost $1,178
• At-risk drivers with multiple tickets or accidents could pay at least $2,158
• The cost with full coverage for a teen driver can be $4,012

View Chart as Image

Insurance rates for a Saab 9-5 can also vary considerably based on the trim level of your 9-5, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,200 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $270 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Saab 9-5 insurance prices. A middle-age driver might find rates as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,360 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy Cheap Saab 9-5 Insurance

Saving money on car insurance consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at every other renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a brief summary of the concepts that were raised in the charts and tables above.

• Higher risk drivers that tend to have accidents or serious violations pay on average $1,150 more every year to insure a Saab 9-5
• Drivers under the age of 20 are charged the highest rates, costing up to $334 per month if they have full coverage
• It is possible to save up to $110 per year just by quoting early and online
• Increasing deductibles could save up to $275 each year
• It is possible to save up to $110 per year just by quoting early and online