SAAB 9-3 2.0T XWD Station Wagon Insurance Rates

The average insurance rates for a SAAB 9-3 2.0T XWD Station Wagon are $1,526 a year with full coverage. Comprehensive costs an estimated $382 each year, collision costs $698, and liability coverage costs around $310. Liability-only coverage costs as low as $370 a year, with high-risk coverage costing around $3,292. Teenage drivers cost the most to insure at $5,402 a year or more.

Annual premium for full coverage: $1,526

Policy rates broken down by individual 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

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

These price differences demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Insurance prices for a SAAB 9-3 2.0T XWD Station Wagon also range considerably based on your risk profile, the actual cash value of your 9-3, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age

Your home state has a huge impact on SAAB 9-3 2.0T XWD Station Wagon insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $730 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $279 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,800 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can be around 44% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

View Chart as Image

The chart above shows SAAB 9-3 2.0T XWD Station Wagon insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $858. Drivers who use higher $1,000 deductibles will pay around $1,280. The average rate for a driver around age 40 using $500 deductibles is $1,526. Using lower $100 deductibles for comp and collision coverage could cost up to $2,004. Drivers with multiple violations and accidents could be charged around $3,292. The policy rate for full coverage insurance for a teenage driver can be as high as $5,402.

View Chart as Image