Saab 9-3 Insurance Rates
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UPDATED: Jun 5, 2023
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Estimated insurance rates for a Saab 9-3 are $850 a year including full coverage. Comprehensive insurance costs an estimated $150, collision insurance costs $188, and liability coverage is estimated at $376. A liability-only policy costs approximately $426 a year, and high-risk insurance costs $1,816 or more. 16-year-old drivers pay the most at up to $3,376 a year.
Average premium for full coverage: $850
Premium estimates broken down by type of coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different 9-3 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Saab 9-3 range from the low end price of $426 for just the minimum liability insurance to a much higher rate of $1,816 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates how rural and urban location affects insurance prices.
These rate differences highlight why anyone shopping for car insurance should get quotes for a targeted area, rather than using rate 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 Analysis
The chart below breaks down average Saab 9-3 insurance rates for other coverage scenarios.
- The best full coverage rate is $517
- Choosing higher $1,000 deductibles can save approximately $78 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $850
- Buying more expensive low deductibles for comp and collision coverage will cost an additional $144 each year
- Drivers with multiple tickets or accidents could pay up to $1,816
- An auto insurance policy that insures a teenage driver with full coverage can cost as much as $3,376 each year
Auto insurance prices for a Saab 9-3 also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $1,000 to $1,400 in extra premium annually, depending on your age. High-risk driver insurance ranges around 41% to 131% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $3,300 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Saab 9-3 insurance rates. A good driver about age 40 could pay as low as $650 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,210 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $766 | -$84 | -9.9% |
| Alaska | $650 | -$200 | -23.5% |
| Arizona | $704 | -$146 | -17.2% |
| Arkansas | $850 | -$0 | 0.0% |
| California | $966 | $116 | 13.6% |
| Colorado | $810 | -$40 | -4.7% |
| Connecticut | $872 | $22 | 2.6% |
| Delaware | $958 | $108 | 12.7% |
| Florida | $1,060 | $210 | 24.7% |
| Georgia | $786 | -$64 | -7.5% |
| Hawaii | $610 | -$240 | -28.2% |
| Idaho | $574 | -$276 | -32.5% |
| Illinois | $632 | -$218 | -25.6% |
| Indiana | $640 | -$210 | -24.7% |
| Iowa | $572 | -$278 | -32.7% |
| Kansas | $806 | -$44 | -5.2% |
| Kentucky | $1,156 | $306 | 36.0% |
| Louisiana | $1,254 | $404 | 47.5% |
| Maine | $524 | -$326 | -38.4% |
| Maryland | $700 | -$150 | -17.6% |
| Massachusetts | $676 | -$174 | -20.5% |
| Michigan | $1,472 | $622 | 73.2% |
| Minnesota | $710 | -$140 | -16.5% |
| Mississippi | $1,016 | $166 | 19.5% |
| Missouri | $754 | -$96 | -11.3% |
| Montana | $910 | $60 | 7.1% |
| Nebraska | $668 | -$182 | -21.4% |
| Nevada | $1,016 | $166 | 19.5% |
| New Hampshire | $614 | -$236 | -27.8% |
| New Jersey | $948 | $98 | 11.5% |
| New Mexico | $750 | -$100 | -11.8% |
| New York | $892 | $42 | 4.9% |
| North Carolina | $488 | -$362 | -42.6% |
| North Dakota | $696 | -$154 | -18.1% |
| Ohio | $584 | -$266 | -31.3% |
| Oklahoma | $870 | $20 | 2.4% |
| Oregon | $776 | -$74 | -8.7% |
| Pennsylvania | $808 | -$42 | -4.9% |
| Rhode Island | $1,132 | $282 | 33.2% |
| South Carolina | $768 | -$82 | -9.6% |
| South Dakota | $716 | -$134 | -15.8% |
| Tennessee | $742 | -$108 | -12.7% |
| Texas | $1,022 | $172 | 20.2% |
| Utah | $628 | -$222 | -26.1% |
| Vermont | $578 | -$272 | -32.0% |
| Virginia | $508 | -$342 | -40.2% |
| Washington | $656 | -$194 | -22.8% |
| West Virginia | $776 | -$74 | -8.7% |
| Wisconsin | $586 | -$264 | -31.1% |
| Wyoming | $754 | -$96 | -11.3% |
Opting for high physical damage deductibles can save as much as $230 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Saab 9-3 2.0T 4-Dr Sedan | $820 | $68 |
| Saab 9-3 2.0T Station Wagon | $836 | $70 |
| Saab 9-3 2.0T XWD 4-Dr Sedan | $836 | $70 |
| Saab 9-3 Aero 4-Dr Sedan | $850 | $71 |
| Saab 9-3 2.0T 2-Dr Convertible | $952 | $79 |
| Saab 9-3 2.0T XWD Station Wagon | $864 | $72 |
| Saab 9-3 Aero Station Wagon | $864 | $72 |
| Saab 9-3 Aero XWD 4-Dr Sedan | $864 | $72 |
| Saab 9-3 Aero 2-Dr Convertible | $982 | $82 |
Rates assume 2005 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2008 Saab 9-3 | $172 | $218 | $390 | $916 |
| 2007 Saab 9-3 | $168 | $208 | $384 | $896 |
| 2006 Saab 9-3 | $154 | $198 | $380 | $868 |
| 2005 Saab 9-3 | $150 | $188 | $376 | $850 |
Rates are averaged for all Saab 9-3 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 the Right Saab 9-3 Insurance
Finding better rates on auto insurance takes avoiding accidents and violations, maintaining a good credit score, refrain from filing small claims, and consideration of higher deductibles. Comparison shop at every policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
The list below is a quick rundown of the data raised in the charts and tables above.
- Consumers who want higher liability limits will pay around $410 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
- You may be able to save approximately $90 per year just by shopping early and online
- Increasing policy deductibles can save approximately $225 each year
- Teenagers are the costliest to insure, with the cost nearing $281 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,376 |
| 20 | $1,930 |
| 30 | $866 |
| 40 | $850 |
| 50 | $780 |
| 60 | $766 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $994 |
| $250 | $930 |
| $500 | $850 |
| $1,000 | $772 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $850 |
| 50/100 | $1,070 |
| 100/300 | $1,181 |
| 250/500 | $1,468 |
| 100 CSL | $1,115 |
| 300 CSL | $1,358 |
| 500 CSL | $1,535 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,752 |
| 20 | $3,068 |
| 30 | $1,834 |
| 40 | $1,816 |
| 50 | $1,734 |
| 60 | $1,714 |
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 | $43 |
| Multi-vehicle | $45 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $53 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $333 |
Discounts are estimated and may not be available from every company or in every state.
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