Saab 9-5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2022

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

Average premium for full coverage: $1,004

Policy rates for type of insurance:

Comprehensive $172
Collision $232
Liability $442

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

Price Range Variability

Using a 40-year-old driver as an example, Saab 9-5 insurance rates go from the low end price of $496 for just the minimum liability insurance to a high rate of $2,158 for a driver required to buy high-risk insurance.

Liability Only $496
Full Coverage $1,004
High Risk $2,158

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $753
Small Cities $1,054
Large Cities $1,355

The examples above demonstrate why all drivers should get quotes for a specific zip code, instead of using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

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

  • The lowest rate with discounts is $609
  • Choosing higher $1,000 deductibles can save about $92 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,004
  • Choosing low deductibles for comp and collision coverage bumps up the cost to $1,178
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,158 or more
  • Policy cost that insures a teen driver can be $4,012 each year

View Chart as Image

Saab 9-5 insurance cost comparison chart
Column chart showing full coverage Saab 9-5 insurance rates range from $609 to $4,012

Insurance rates for a Saab 9-5 also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 133% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,000 a year. View Rates by Age

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 New Hampshire, Ohio, and Utah, or as much as $1,360 on average in Florida, Michigan, and New York.

Saab 9-5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $908 -$96 -9.6%
Alaska $772 -$232 -23.1%
Arizona $836 -$168 -16.7%
Arkansas $1,004 -$0 0.0%
California $1,146 $142 14.1%
Colorado $960 -$44 -4.4%
Connecticut $1,034 $30 3.0%
Delaware $1,138 $134 13.3%
Florida $1,258 $254 25.3%
Georgia $928 -$76 -7.6%
Hawaii $724 -$280 -27.9%
Idaho $680 -$324 -32.3%
Illinois $750 -$254 -25.3%
Indiana $758 -$246 -24.5%
Iowa $678 -$326 -32.5%
Kansas $956 -$48 -4.8%
Kentucky $1,372 $368 36.7%
Louisiana $1,488 $484 48.2%
Maine $620 -$384 -38.2%
Maryland $830 -$174 -17.3%
Massachusetts $806 -$198 -19.7%
Michigan $1,746 $742 73.9%
Minnesota $840 -$164 -16.3%
Mississippi $1,204 $200 19.9%
Missouri $890 -$114 -11.4%
Montana $1,080 $76 7.6%
Nebraska $794 -$210 -20.9%
Nevada $1,206 $202 20.1%
New Hampshire $724 -$280 -27.9%
New Jersey $1,124 $120 12.0%
New Mexico $890 -$114 -11.4%
New York $1,060 $56 5.6%
North Carolina $578 -$426 -42.4%
North Dakota $822 -$182 -18.1%
Ohio $694 -$310 -30.9%
Oklahoma $1,034 $30 3.0%
Oregon $922 -$82 -8.2%
Pennsylvania $960 -$44 -4.4%
Rhode Island $1,340 $336 33.5%
South Carolina $910 -$94 -9.4%
South Dakota $848 -$156 -15.5%
Tennessee $882 -$122 -12.2%
Texas $1,210 $206 20.5%
Utah $744 -$260 -25.9%
Vermont $690 -$314 -31.3%
Virginia $602 -$402 -40.0%
Washington $778 -$226 -22.5%
West Virginia $922 -$82 -8.2%
Wisconsin $696 -$308 -30.7%
Wyoming $896 -$108 -10.8%

View Chart as Image

Saab 9-5 insurance rates by U.S. city

Choosing high deductibles can save as much as $270 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, and rates will be varied.

Saab 9-5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2006 Saab 9-5 $198 $270 $460 $1,086
2004 Saab 9-5 $178 $246 $446 $1,028
2003 Saab 9-5 $172 $232 $442 $1,004

Rates are averaged for all Saab 9-5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheap Saab 9-5 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and taking advantage of discounts. Shop around at every policy renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.

The list below is a brief summary of the data raised in the charts and tables above.

  • Policyholders who may need higher liability limits will pay about $490 every year to raise limits from a 30/60 limit to the 250/500 level
  • You may be able to save up to $110 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $275 each year
  • Teenagers are charged the highest rates, as much as $334 each month if comprehensive and collision insurance is included

Rates by Driver Age

Saab 9-5 Insurance Rates by Driver Age
Driver Age Premium
16 $4,012
20 $2,298
30 $1,026
40 $1,004
50 $924
60 $904

Full coverage, $500 deductibles

Rates by Deductible

Saab 9-5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,178
$250 $1,098
$500 $1,004
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Saab 9-5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,004
50/100 $1,092
100/300 $1,203
250/500 $1,490
100 CSL $1,137
300 CSL $1,380
500 CSL $1,557

Full coverage, driver age 40

Rates for High Risk Drivers

Saab 9-5 Insurance Rates for High Risk Drivers
Age Premium
16 $5,652
20 $3,658
30 $2,178
40 $2,158
50 $2,064
60 $2,044

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $133

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $62
5-yr Claim Free $63
Paid in Full/EFT $37
Advance Quote $44
Online Quote $68
Total Discounts $395
Rate after discounts $609

Discounts are estimated and may not be available from every company or in every state.

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