Saab 9-5 Insurance Rates
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UPDATED: Jun 2, 2023
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U.S. average auto insurance rates for a Saab 9-5 are $1,004 annually including full coverage. Comprehensive insurance costs around $172 a year, collision insurance costs $232, and liability costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs $2,158 or more. Teens pay the highest rates at up to $4,012 a year.
Average premium for full coverage: $1,004
Price estimates for individual coverage:
These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and 9-5 trim levels.
Price Range from Low to High
For a driver in their 40's, Saab 9-5 insurance prices range from as cheap as $496 for your basic liability-only policy to a high of $2,158 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.
The ranges above highlight why it is important to compare prices for a specific zip code and their own personal driving habits, instead of using averaged prices.
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.
More Rate Information
The chart below breaks down average Saab 9-5 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $609
- Using higher $1,000 deductibles will save about $912 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,004
- Selecting low $100 deductibles for physical damage coverage costs an additional $174 every year
- Drivers with serious driving violations could pay at least $2,158
- The price with full coverage for a teen driver can be $4,012 or more
Car insurance prices for a Saab 9-5 are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $4,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at least $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $270 every year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Saab 9-5 insurance prices. A driver around age 40 might see prices as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,440 on average in Michigan, New York, and Louisiana.
| 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2006 Saab 9-5 | $194 | $258 | $452 | $1,062 |
| 2004 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 Cheap Saab 9-5 Insurance
Getting lower rates on car insurance requires being a low-risk driver, having a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief summary of the concepts that were covered in the charts and tables above.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,150 more every year to insure their 9-5
- Teen drivers are the costliest to insure, possibly costing $334 a month if comprehensive and collision insurance is included
- You may be able to save up to $110 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $275 each year
- You may be able to save up to $110 per year just by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,178 |
| $250 | $1,098 |
| $500 | $1,004 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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