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: 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:

Comprehensive $172
Collision $232
Liability $442

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.

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

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.

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

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

View Chart as Image

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

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.

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

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.

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 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

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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