SAAB 9-3 2.0T 4-Dr Sedan Insurance Rates

Estimated insurance rates for a SAAB 9-3 2.0T 4-Dr Sedan are $1,390 a year for full coverage insurance. Comprehensive insurance costs on average $340, collision costs $604, and liability insurance costs around $310. A liability-only policy costs as low as $370 a year, with high-risk insurance costing $2,992 or more. Teenage drivers pay the most at $4,968 a year or more.

Annual premium for full coverage: $1,390

Premium estimates by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this SAAB 9-3 Trim Level

These rate differences illustrate why everyone should compare prices based on a specific location and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a SAAB 9-3 2.0T 4-Dr Sedan also have a wide range based on your driving characteristics, the model year, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for drivers in their teens, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on SAAB 9-3 2.0T 4-Dr Sedan insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $630 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $279 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. SAAB 9-3 2.0T 4-Dr Sedan insurance for high-risk drivers can be anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

With such a large range of rates, the only way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates will be substantially different from one company to the next.

View Chart as Image

The chart estimates SAAB 9-3 2.0T 4-Dr Sedan insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $790. Drivers who use higher $1,000 deductibles will pay around $1,174. The average rate for a 40-year-old male driver using $500 deductibles is $1,390. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,804. Drivers with multiple violations and accidents could be charged up to $2,992. The rate for full coverage for a teen driver can be as high as $4,968.

View Chart as Image