Saab 9-5 Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

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

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