Saab 9-5 Insurance Rates

The average auto insurance rates for a Saab 9-5 are $1,004 annually with full coverage. Comprehensive insurance costs an estimated $172 each year, collision insurance costs $232, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $2,158 or more. 16-year-old drivers cost the most to insure at up to $4,012 a year.

Average premium for full coverage: $1,004

Policy rates broken down by type of insurance:

Price estimates include $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and 9-5 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities. The graphic below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using rate averages.

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

More Rate Information

The chart below details average Saab 9-5 insurance rates for other coverage scenarios.

• The best full coverage rate is $609
• Choosing higher $1,000 deductibles can save approximately $92 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,004
• Buying low deductibles for comp and collision coverage costs an additional $174 every year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,158
• Policy cost with full coverage for a teen driver can cost as much as $4,012 each year

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $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 may be forking out $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $270 every year, whereas increasing liability limits will increase premiums. Moving 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 plays a big part in determining prices for Saab 9-5 insurance prices. A good driver about age 40 could pay as low as $730 a year in states like Utah, Ohio, and New Hampshire, or at least $1,360 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy Cheaper Saab 9-5 Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to shop around at least every other year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers with multiple at-fault accidents pay on average $1,150 more annually for 9-5 insurance
• You may be able to save approximately $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $275 each year
• Policyholders who want higher liability limits will pay around $490 every year to raise limits from a 30/60 limit to higher 250/500 limits