Saab 9-5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Average insurance rates for a Saab 9-5 are $1,004 a year including full coverage. Comprehensive insurance costs around $172, collision insurance costs $232, and liability insurance costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs $2,158 or more. Teenage drivers receive the highest rates at up to $4,012 a year.

Average premium for full coverage: $1,004

Rate estimates for individual coverage type:

Comprehensive $172
Collision $232
Liability $442

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different 9-5 trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from as low as $496 for liability-only coverage to a much higher rate of $2,158 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $1,004
High Risk $2,158

Price Range by Location

Where you live has a significant impact on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $753
Small Cities $1,054
Large Cities $1,355

These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, 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 Charts and Tables

The chart below breaks down average Saab 9-5 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $609
  • Using higher $1,000 deductibles will save about $92 every year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,004
  • Using more expensive low deductibles for physical damage coverage will cost an extra $174 a year
  • Drivers who are prone to accidents and violations could pay at least $2,158
  • The cost for full coverage for a teen driver with full coverage can be $4,012 or more

View Chart as Image

Saab 9-5 insurance cost comparison chart
Column chart showing Saab 9-5 insurance prices range from $609 to $4,012 for full coverage

Auto insurance rates for a Saab 9-5 can also vary considerably based on your driver profile, the model of your 9-5, and deductibles and policy limits.

An older driver with a good driving record and high deductibles could pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $4,000 a year. View Rates by Age

Where you live has a huge impact on Saab 9-5 insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,440 on average in Michigan, New York, and Louisiana.

Saab 9-5 Insurance Rates by State
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%

View Chart as Image

Saab 9-5 insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $270 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,200 to $1,700 in extra premium per year, depending on your age. High-risk driver insurance can be anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Saab 9-5 Insurance Rates by Model Year
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 Find Affordable Saab 9-5 Insurance

Saving money on Saab 9-5 insurance requires having a decent driving record, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a brief review of the primary concepts that were covered above.

  • You may be able to save up to $110 per year just by shopping early and online
  • High-risk drivers with DUI or reckless driving convictions pay on average $1,150 more every year than a driver with a clean driving record
  • Increasing deductibles can save around $275 each year
  • 16 to 18-year-old drivers are expensive to insure, as much as $334 per month if they have full coverage

Rates by Driver Age

Saab 9-5 Insurance 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

Saab 9-5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,178
$250 $1,098
$500 $1,004
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Saab 9-5 Insurance Rates with Different Liability Limits
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

Saab 9-5 Insurance 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.

SR-22 Surcharge $133

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
Rate after discounts $609

Discounts are estimated and may not be available from every company or in every state.

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