Saab 9-5 Insurance Rates

The average insurance rates for a Saab 9-5 are $1,004 a year for full coverage. Comprehensive insurance costs approximately $172 a year, collision insurance costs $232, and liability costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs $2,158 or more. Teen 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 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and 9-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above show why it is important to compare rates using their specific location, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $609
• Drivers who choose higher $1,000 deductibles will pay $912 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,004
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $174 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,158
• Policy cost that insures a teen driver can cost $4,012 a year

View Chart as Image

Insurance rates for a Saab 9-5 also range considerably based on the trim level of your 9-5, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision 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 teens with perfect driving records can expect to pay in the ballpark of $4,000 a year. View Rates by Age

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 as much as $1,440 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $270 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Saab 9-5 Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around at every policy renewal by requesting rates from direct carriers, and also from insurance agencies where you live.

The following is a brief summary of the data presented in the illustrations above.

• Policyholders who purchase higher liability limits will pay about $490 each year to go from a 30/60 limit to the 250/500 level
• Drivers can save around $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $275 each year
• Teens are expensive to insure, costing up to $334 each month if full coverage is included