Saab 9-3 Insurance Rates
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UPDATED: Jun 5, 2023
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The average auto insurance rates for a Saab 9-3 are $868 annually for full coverage. Comprehensive insurance costs approximately $154 each year, collision costs $198, and liability insurance is $380. Buying just liability costs around $428 a year, with insurance for high-risk drivers costing $1,858 or more. Teen drivers cost the most to insure at $3,444 a year or more.
Average premium for full coverage: $868
Policy rates by type of insurance:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and 9-3 models.
Price Range Variability
Using a middle-aged driver as an example, Saab 9-3 insurance rates go from as cheap as $428 for a discount liability-only rate to a high rate of $1,858 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas.
The graphic below illustrates how where you live affects auto insurance prices.
The examples above show why all drivers should compare rates quotes using their specific location 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.
Rates by State, City, and Model
The chart below shows estimated Saab 9-3 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $527
- Raising to $1,000 deductibles will save $80 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $868
- Choosing low deductibles costs an additional $154 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,858 or more
- Policy cost with full coverage for a teen driver can cost $3,444
Insurance rates for a Saab 9-3 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $3,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $240 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Saab 9-3 insurance rates. A middle-age driver might find rates as low as $570 a year in states like Iowa, Maine, and Idaho, or as much as $1,240 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $786 | -$82 | -9.4% |
| Alaska | $666 | -$202 | -23.3% |
| Arizona | $720 | -$148 | -17.1% |
| Arkansas | $868 | -$0 | 0.0% |
| California | $988 | $120 | 13.8% |
| Colorado | $828 | -$40 | -4.6% |
| Connecticut | $890 | $22 | 2.5% |
| Delaware | $980 | $112 | 12.9% |
| Florida | $1,084 | $216 | 24.9% |
| Georgia | $802 | -$66 | -7.6% |
| Hawaii | $624 | -$244 | -28.1% |
| Idaho | $588 | -$280 | -32.3% |
| Illinois | $648 | -$220 | -25.3% |
| Indiana | $654 | -$214 | -24.7% |
| Iowa | $584 | -$284 | -32.7% |
| Kansas | $822 | -$46 | -5.3% |
| Kentucky | $1,182 | $314 | 36.2% |
| Louisiana | $1,284 | $416 | 47.9% |
| Maine | $536 | -$332 | -38.2% |
| Maryland | $718 | -$150 | -17.3% |
| Massachusetts | $692 | -$176 | -20.3% |
| Michigan | $1,506 | $638 | 73.5% |
| Minnesota | $728 | -$140 | -16.1% |
| Mississippi | $1,040 | $172 | 19.8% |
| Missouri | $772 | -$96 | -11.1% |
| Montana | $932 | $64 | 7.4% |
| Nebraska | $684 | -$184 | -21.2% |
| Nevada | $1,042 | $174 | 20.0% |
| New Hampshire | $626 | -$242 | -27.9% |
| New Jersey | $970 | $102 | 11.8% |
| New Mexico | $766 | -$102 | -11.8% |
| New York | $912 | $44 | 5.1% |
| North Carolina | $500 | -$368 | -42.4% |
| North Dakota | $710 | -$158 | -18.2% |
| Ohio | $596 | -$272 | -31.3% |
| Oklahoma | $890 | $22 | 2.5% |
| Oregon | $796 | -$72 | -8.3% |
| Pennsylvania | $828 | -$40 | -4.6% |
| Rhode Island | $1,156 | $288 | 33.2% |
| South Carolina | $788 | -$80 | -9.2% |
| South Dakota | $732 | -$136 | -15.7% |
| Tennessee | $760 | -$108 | -12.4% |
| Texas | $1,046 | $178 | 20.5% |
| Utah | $642 | -$226 | -26.0% |
| Vermont | $594 | -$274 | -31.6% |
| Virginia | $518 | -$350 | -40.3% |
| Washington | $672 | -$196 | -22.6% |
| West Virginia | $796 | -$72 | -8.3% |
| Wisconsin | $600 | -$268 | -30.9% |
| Wyoming | $772 | -$96 | -11.1% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Saab 9-3 2.0T 4-Dr Sedan | $838 | $70 |
| Saab 9-3 2.0T Station Wagon | $854 | $71 |
| Saab 9-3 2.0T XWD 4-Dr Sedan | $854 | $71 |
| Saab 9-3 Aero 4-Dr Sedan | $868 | $72 |
| Saab 9-3 2.0T 2-Dr Convertible | $972 | $81 |
| Saab 9-3 2.0T XWD Station Wagon | $884 | $74 |
| Saab 9-3 Aero Station Wagon | $884 | $74 |
| Saab 9-3 Aero XWD 4-Dr Sedan | $884 | $74 |
| Saab 9-3 Aero 2-Dr Convertible | $1,002 | $84 |
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 | $174 | $224 | $398 | $932 |
| 2007 Saab 9-3 | $172 | $218 | $390 | $916 |
| 2006 Saab 9-3 | $168 | $208 | $384 | $896 |
| 2005 Saab 9-3 | $154 | $198 | $380 | $868 |
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 Buy the Right Saab 9-3 Insurance
Finding cheaper rates on Saab 9-3 insurance consists of being a good driver, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a quick rundown of the primary concepts that were touched on in the above illustrations.
- Drivers can save around $100 per year simply by quoting online in advance
- High-risk drivers with reckless driving or DUI convictions pay on average $990 more per year than a safer driver
- Increasing comprehensive and collision deductibles could save up to $225 each year
- Drivers age 16 to 20 are expensive to insure, costing up to $287 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,444 |
| 20 | $1,976 |
| 30 | $886 |
| 40 | $868 |
| 50 | $798 |
| 60 | $782 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,022 |
| $250 | $952 |
| $500 | $868 |
| $1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $868 |
| 50/100 | $1,091 |
| 100/300 | $1,203 |
| 250/500 | $1,493 |
| 100 CSL | $1,136 |
| 300 CSL | $1,381 |
| 500 CSL | $1,560 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,852 |
| 20 | $3,142 |
| 30 | $1,880 |
| 40 | $1,858 |
| 50 | $1,774 |
| 60 | $1,756 |
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 | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $32 |
| Advance Quote | $38 |
| Online Quote | $59 |
| Total Discounts | $341 |
Discounts are estimated and may not be available from every company or in every state.
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