Saab 9-5 Insurance Rates

The average auto insurance rates for a Saab 9-5 are $1,004 annually for full coverage. Comprehensive insurance costs approximately $172, collision insurance costs $232, and liability coverage is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs $2,158 or more. 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 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all 9-5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have fewer accident claims than congested cities. The example below illustrates the difference location can make on auto insurance prices.

The examples above show why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $609
• Raising to $1,000 deductibles will save $92 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,004
• Buying pricier low deductibles costs an additional $174 each year
• Unlucky drivers with multiple tickets or accidents could pay around $2,158
• Policy cost with full coverage for a teenage driver for full coverage can cost $4,012

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

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,000 every 12 months 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 in the ballpark of $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 anywhere from $1,200 to $1,700 extra every year, depending on your age. Saab 9-5 insurance for high-risk drivers is expensive and can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $270 a year, whereas buying more liability protection will push rates upward. 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 also has a big influence on Saab 9-5 insurance rates. A middle-age driver might find rates 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 Cheap Saab 9-5 Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates every year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the coverage data touched on in this article.

• Drivers can save around $110 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $275 each year
• Teen drivers are expensive to insure, costing up to $334 each month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations pay on average $1,150 more per year to insure their 9-5