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

U.S. average insurance rates for a SAAB 9-3 2.0T XWD 4-Dr Sedan are $1,434 a year for full coverage insurance. Comprehensive costs on average $354, collision costs $634, and liability insurance costs around $310. Liability-only coverage costs as low as $370 a year, with high-risk coverage costing around $3,092. Teenage drivers pay the highest rates at $5,110 a year or more.

Annual premium for full coverage: $1,434

Price estimates by type of insurance:

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

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

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

These price ranges illustrate why anyone shopping for car insurance 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 XWD 4-Dr Sedan are also quite variable based on your driving record, the model year, and policy deductibles and limits.

An older driver with a good driving record and high deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teenage drivers, where even good drivers will have to pay upwards of $5,100 a year. View Rates by Age

The state you live in has a huge impact on SAAB 9-3 2.0T XWD 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 $660 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $279 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can be anywhere from 45% to 133% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates may be quite different from one company to the next.

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The chart estimates SAAB 9-3 2.0T XWD 4-Dr Sedan insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $811. Drivers who use higher $1,000 deductibles will pay around $1,212. The average rate for a 40-year-old male driver using $500 deductibles is $1,434. Using more expensive $100 deductibles for physical damage coverage could cost up to $1,872. Drivers with multiple violations and accidents could be charged at least $3,092. The price for full coverage insurance for a teen driver can be as high as $5,110.

View Chart as Image