Saab 9-5 Insurance Rates

Average insurance prices for a Saab 9-5 are $1,004 every 12 months including full coverage. Comprehensive costs around $172 each year, collision insurance costs $232, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage 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:

Includes $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and 9-5 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $609
• Choosing higher $1,000 deductibles can save about $92 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,004
• Buying low deductibles for comp and collision coverage increases the price to $1,178
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,158
• The cost to insure a 16-year-old driver can be $4,012 each year

View Chart as Image

Car insurance rates for a Saab 9-5 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $270 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,000 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $4,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers ranges from 42% to 133% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Saab 9-5 insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,440 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for the Cheapest Saab 9-5 Insurance

Saving money on insurance for a Saab 9-5 takes not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a recap of the material that was covered in the above illustrations.

• Insureds who may need higher liability limits will pay around $490 per year to raise limits from a minimum limit to a 250/500 level
• Teens are the costliest to insure, as much as $334 per month if the policy includes full coverage
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,150 more every year for 9-5 insurance
• Increasing deductibles could save as much as $275 each year