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 $868 a year for full coverage insurance. Comprehensive costs approximately $154, collision insurance costs $198, and liability insurance costs around $380. Liability-only coverage costs as low as $428 a year, and high-risk coverage costs around $1,858. Teen drivers pay the most at up to $3,444 a year.
Average premium for full coverage: $868
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all 9-3 models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Saab 9-3 range from as low as $428 for just the minimum liability insurance to the much higher price of $1,858 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates the difference location can make on auto insurance prices.
These rate differences illustrate why everyone should compare prices using their specific location and risk profile, 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.
Additional Rate Analysis
The chart below illustrates average Saab 9-3 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $527
- Using higher $1,000 deductibles will save $80 each year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $868
- Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,022
- Drivers with multiple violations and an at-fault accident could pay around $1,858
- An auto insurance policy for full coverage for a teen driver for full coverage can cost $3,444 or more
Insurance prices for a Saab 9-3 also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $3,400 a year. View Rates by Age
Where you choose to live has a huge impact on Saab 9-3 insurance rates. A driver around age 40 might see prices as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,170 on average in Florida, New York, 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% |
Choosing high deductibles could cut prices by as much as $240 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $402 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,000 to $1,500 extra annually, depending on your age. Saab 9-3 insurance for high-risk drivers can be anywhere from 44% to 128% more than average. View High Risk Driver Rates
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 Find Cheap Saab 9-3 Insurance
Finding better rates on Saab 9-3 insurance requires avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Make time to compare rates once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief summary of the data that was touched on in this article.
- It is possible to save around $100 per year just by quoting online well ahead of the renewal date
- Drivers who purchase increased liability limits will pay about $420 annually to increase from 30/60 bodily injury limits to 250/500 limits
- Drivers under the age of 20 are expensive to insure, with premiums being up to $287 per month for full coverage
- High-risk drivers that tend to have accidents or serious violations may pay on average $990 more per year to insure a Saab 9-3
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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