Saab 9-5 Insurance Rates

The average auto insurance rates for a Saab 9-5 are $1,004 annually for full coverage. Comprehensive costs an estimated $172, collision insurance costs $232, and liability costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs around $2,158. 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:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all 9-5 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than congested cities. The example below illustrates how where you live affects insurance prices.

The examples above show why everyone should compare rates 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.

Rates by State, City, and Model

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

• The best full coverage rate is $609
• Drivers who choose higher $1,000 deductibles will pay approximately $92 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,004
• Buying pricier low deductibles for comprehensive and collision insurance will cost $1,178
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,158
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,012 a year

View Chart as Image

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay 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 could be paying $1,200 to $1,700 extra every year, depending on your age. Saab 9-5 insurance for high-risk drivers can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $270 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state 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 Iowa, Maine, and Idaho, or at least $1,440 on average in New York, Louisiana, and Michigan.

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How to Buy the Right Saab 9-5 Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a quick rundown of the primary concepts that were touched on in the above illustrations.

• Drivers can save approximately $110 per year just by quoting online well ahead of the renewal date
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,150 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save up to $275 each year
• Drivers age 16 to 20 are charged the highest rates, costing up to $334 each month including comprehensive and collision insurance