Saab 9-5 Insurance Rates

Average insurance rates for a Saab 9-5 are $1,004 a year for full coverage. Comprehensive costs on average $172 a year, collision insurance costs $232, and liability coverage costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers 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 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all states and 9-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why it is important to compare rates based on a specific location and risk profile, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $609
• Drivers who choose higher $1,000 deductibles will pay around $912 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,004
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,178
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,158
• The cost for full coverage for a teenage driver may cost $4,012 a year

View Chart as Image

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

Older drivers with a good driving record and high deductibles may only pay around $1,000 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,000 a year. View Rates by Age

Where you live makes a big difference in Saab 9-5 insurance rates. A 40-year-old driver could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,440 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $270 a year, while buying higher liability limits will cost you more. Going 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 could be paying at a minimum $1,200 to $1,700 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

How to Find Low Cost Saab 9-5 Insurance

Saving money on auto insurance not only requires avoiding accidents and violations, but also having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to compare rates every year by quoting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The list below is a review of the coverage data covered above.

• Drivers can save as much as $110 per year just by quoting early and online
• Increasing deductibles can save around $275 each year
• Teenagers are charged the highest rates, costing as high as $334 per month if they have full coverage
• Drivers who have several accidents or serious violations will pay on average $1,150 more each year for car insurance