Saab 9-5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 2, 2023
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Estimated insurance rates for a Saab 9-5 are $1,004 a year for full coverage. Comprehensive insurance costs approximately $172 a year, collision costs $232, and liability insurance is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $2,158 or more. Teens pay the most at $4,012 a year or more.
Average premium for full coverage: $1,004
Premium estimates by type of coverage:
Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and UM/UIM 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 low end price of $496 for just liability insurance to a high of $2,158 for a high-risk driver policy.
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 lower incidents of accident claims than cities with more traffic congestion.
The diagram below illustrates how your location can change auto insurance prices.
These rate differences show why it is important to compare rates quotes using their specific location, 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.
More Rate Details
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 estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,004
- Selecting low $100 deductibles will cost an additional $174 a year
- Higher-risk drivers with serious driving violations could pay around $2,158 or more
- An auto insurance policy that insures a teen driver can cost $4,012
Auto insurance prices for a Saab 9-5 also have a wide range based on the trim level of your 9-5, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $1,200 to $1,700 in extra premium 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
Older drivers with a good driving record and higher comprehensive and collision 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 teens with perfect driving records will have to pay in the ballpark of $4,000 a year. View Rates by Age
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.
| 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% |
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 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
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, and quoted prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2006 Saab 9-5 | $178 | $246 | $446 | $1,028 |
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 Cheaper Saab 9-5 Insurance
Finding better rates on Saab 9-5 insurance consists of having a good driving record, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from insurance agencies where you live.
The next list is a condensed summary of the information illustrated above.
- Drivers can save around $110 per year simply by quoting early and online
- Drivers age 20 and younger have the highest car insurance prices, as much as $334 per month if the policy includes full coverage
- Increasing policy deductibles can save approximately $275 each year
- High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,150 more per year to buy Saab 9-5 insurance
- Drivers who purchase increased levels of liability coverage will pay approximately $490 each year to raise from 30/60 bodily injury limits to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,178 |
| $250 | $1,098 |
| $500 | $1,004 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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