Saab 9-5 Insurance Rates

The average insurance prices for a Saab 9-5 are $1,004 every 12 months for full coverage. Comprehensive costs approximately $172 each year, collision insurance costs $232, and liability costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance 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 by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all states and 9-5 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.

The examples above show why all drivers should compare rates using their specific location and their own driving history, 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 additional coverage and risk scenarios.

• The best full coverage rate is $609
• Drivers who choose higher $1,000 deductibles will pay $92 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,004
• Buying low deductibles for comprehensive and collision insurance increases the price to $1,178
• Higher-risk drivers with multiple tickets or accidents could pay around $2,158
• Policy cost to insure a teen driver can cost $4,012 a year

View Chart as Image

Auto insurance rates for a Saab 9-5 also range considerably based on liability limits and deductibles, your driver profile, and the model of your 9-5.

Opting for high physical damage deductibles could save up to $270 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

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.

View Chart as Image

How to Shop for Cheap Saab 9-5 Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around every year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a brief summary of the coverage data touched on above.

• Drivers can save around $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $275 each year
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $334 each month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,150 more per year than a driver with a clean driving record