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: Jun 2, 2023

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Estimated insurance prices for a Saab 9-5 are $1,004 every 12 months for full coverage. Comprehensive costs approximately $172 a year, collision costs $232, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,158. Teens pay the most at $4,012 a year or more.

Average premium for full coverage: $1,004

Premium estimates by type of coverage:

Comprehensive $172
Collision $232
Liability $442

Full coverage includes $500 deductibles, minimum liability limits, and includes uninsured motorist coverage. Rates include averaging for all states and 9-5 trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Saab 9-5 go from the cheapest price of $496 for only liability insurance to a high of $2,158 for high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance prices.

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

These rate differences show why it is important to compare rates quotes using their specific location and their own driving history, rather than relying on averaged prices.

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.

Insurance Rate Analysis

The chart below shows estimated Saab 9-5 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $609
  • Raising to $1,000 deductibles will save $912 a year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,004
  • Selecting low $100 deductibles increases the price to $1,178
  • Higher-risk drivers with serious driving violations could pay around $2,158 or more
  • An auto insurance policy to insure a teen driver can cost $4,012

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 prices for a Saab 9-5 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your 9-5.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $270 each year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Saab 9-5 insurance rates. A middle-age driver might find prices as low as $660 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,440 on average in New York, Louisiana, and Michigan.

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

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, so the prices will be substantially different.

Saab 9-5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2006 Saab 9-5 $194 $258 $452 $1,062
2004 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 Shop for More Affordable Saab 9-5 Insurance

Finding better rates on Saab 9-5 insurance consists of being a safe driver, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting rates from direct carriers, and also from your local independent and exclusive agents.

Here is a summary of the material that was illustrated above.

  • Drivers who purchase more liability insurance will pay approximately $490 each year to raise from 30/60 bodily injury limits to a 250/500 level
  • Young drivers are expensive to insure, as much as $334 per month if they have full coverage
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,150 more per year for insurance
  • Increasing policy deductibles could save as much as $275 each year

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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