Saab 9-5 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 2, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$62|
|5-yr Claim Free||$63|
|Paid in Full/EFT||$37|
Discounts are estimated and may not be available from every company or in every state.