Saab 9-5 Insurance Rates
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UPDATED: May 11, 2022
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Estimated auto insurance rates for a Saab 9-5 are $1,004 annually for full coverage. Comprehensive insurance costs around $172 a year, collision costs $232, and liability insurance costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $2,158 or more. Teen drivers pay the most at $4,012 a year or more.
Average premium for full coverage: $1,004
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and 9-5 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Saab 9-5 go from as cheap as $496 for the bare minimum liability coverage to a high of $2,158 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance rates.
These rate differences show why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.
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 shows estimated Saab 9-5 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $609
- Using higher $1,000 deductibles will save about $912 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,004
- Choosing low $100 deductibles for physical damage coverage costs an additional $174 a year
- Drivers with multiple violations and an at-fault accident could pay at least $2,158 or more
- An auto insurance policy with full coverage for a teen driver can be $4,012 or more
Insurance prices for a Saab 9-5 also have a wide range based on the model of your 9-5, your driver profile, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,200 to $1,700 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $270 each year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Saab 9-5 insurance rates. A driver around age 40 might see prices as low as $660 a year in states like Idaho, Maine, and Iowa, or as much as $1,440 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2006 Saab 9-5 | $198 | $270 | $460 | $1,086 |
| 2004 Saab 9-5 | $178 | $246 | $446 | $1,028 |
| 2003 Saab 9-5 | $172 | $232 | $442 | $1,004 |
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 the Best Cheap Saab 9-5 Insurance
Finding better rates on Saab 9-5 insurance requires being a good driver, having good credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at least once a year by quoting rates from direct carriers, and also from local independent and exclusive agents.
The following list is a quick review of the primary concepts that were covered in the charts and tables above.
- Drivers can save up to $110 per year simply by quoting early and online
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,150 more every year than a safer driver
- Increasing policy deductibles could save up to $275 each year
- Drivers age 16 to 20 are charged the highest prices, as much as $334 per month if they have full coverage
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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