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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Average auto insurance rates for a Saab 9-5 are $1,004 annually for full coverage insurance. Comprehensive costs on average $172, collision insurance costs $232, and liability insurance is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs around $2,158. Teenage drivers receive the highest rates at up to $4,012 a year.
Average premium for full coverage: $1,004
Rate estimates by individual coverage type:
Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all 9-5 models.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $496 for the bare minimum liability coverage to the much higher price of $2,158 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities. The example below illustrates how location impacts car insurance rates.
These examples illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on average rates.
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.
Additional Rate Information
The chart below illustrates average Saab 9-5 insurance rates for different risk profiles and scenarios.
- The best discount rate is $609
- Raising to $1,000 deductibles will save around $92 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,004
- Using pricier low deductibles will cost $1,178
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,158
- The cost with full coverage for a teen driver for full coverage may cost $4,012
Insurance rates for a Saab 9-5 can also vary considerably based on the trim level of your 9-5, your risk profile, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 extra per year, depending on your age. Saab 9-5 insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $270 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
Where you live 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,360 on average in Michigan, New York, and Florida.
| 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% |
| 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 Buy Low Cost Saab 9-5 Insurance
Saving money on Saab 9-5 insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around every time your policy renews by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a review of the information touched on above.
- It is possible to save as much as $110 per year just by quoting online well ahead of the renewal date
- Teen drivers pay the highest rates, costing up to $334 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $275 each year
- High-risk drivers who have several accidents or serious violations may pay on average $1,150 more each year to insure their 9-5
- Drivers who require more liability coverage will pay an extra $490 annually to raise from a minimum limit to higher 250/500 limits
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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