Saab 9-3 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 5, 2023
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Estimated insurance prices for a Saab 9-3 are $850 every 12 months including full coverage. Comprehensive costs an estimated $150, collision insurance costs $188, and liability coverage costs around $376. A liability-only policy costs as low as $426 a year, and high-risk insurance costs around $1,816. Teen 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:
These estimates include $500 physical damage deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different 9-3 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Saab 9-3 range from the cheapest price of $426 for the bare minimum liability coverage to a much higher rate of $1,816 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference location can make on insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using 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 Information
The chart below breaks down average Saab 9-3 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $517
- Using higher $1,000 deductibles will save approximately $78 every year
- The average price for a 40-year-old good driver who has $500 deductibles is $850
- Choosing more expensive low deductibles for physical damage coverage increases the price to $994
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,816
- An auto insurance policy to insure a teenage driver with full coverage can cost as much as $3,376 or more
Auto insurance prices for a Saab 9-3 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.
Choosing high deductibles could cut prices by as much as $230 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $3,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying $1,000 to $1,400 in extra premium annually, depending on your age. High-risk driver insurance can be around 41% to 131% more than average. View High Risk Driver Rates
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 $650 a year in states like Vermont, New Hampshire, and Missouri, or as much as $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% |
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 Shop for Cheap Saab 9-3 Insurance
Finding better rates on auto insurance requires being a safe and courteous driver, having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Make time to compare rates at every policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.
Below is a brief summary of the data touched on in this article.
- Consumers who want higher levels of liability will pay about $410 per year to increase from 30/60 bodily injury limits to a 250/500 level
- You may be able to save approximately $90 per year just by shopping early and online
- Increasing policy deductibles could save as much as $225 each year
- Teenage drivers are the costliest to insure, with the cost nearing $281 per month if comprehensive and collision insurance is included
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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