Saab 9-3 Insurance Rates

Estimated insurance rates for a Saab 9-3 are $850 a year with full coverage. Comprehensive costs an estimated $150 a year, collision costs $188, and liability insurance is $376. A liability-only policy costs around $426 a year, with high-risk insurance costing around $1,816. Teenage drivers pay the most at $3,376 a year or more.

Average premium for full coverage: $850

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and 9-3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences demonstrate why it is important to compare rates quotes for a targeted area, rather than relying on average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below details estimated Saab 9-3 insurance rates for other coverage scenarios.

• The best discount rate is $517
• Raising to $1,000 deductibles will save approximately $772 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $850
• Using low $100 deductibles bumps up the cost to $994
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,816 or more
• An auto insurance policy that insures a teen driver can cost as much as $3,376

View Chart as Image

Auto insurance prices for a Saab 9-3 also have a wide range based on the trim level of your 9-3, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,000 to $1,400 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 41% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Prices are much higher 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 also has a big influence on Saab 9-3 insurance rates. A middle-age driver might find prices as low as $610 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,150 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $230 each year, while buying higher liability limits will increase premiums. Moving 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

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Cheap Saab 9-3 Insurance

Finding better rates on Saab 9-3 insurance consists of having a decent driving record, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices once a year by getting quotes from direct companies, and also from insurance agencies where you live.

The following items are a quick review of the data that was presented in the illustrations above.

• You may be able to save approximately $90 per year simply by quoting early and online
• Drivers who want additional liability coverage will pay an extra $410 every year to raise from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $281 per month if the policy includes full coverage
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $970 more annually than a driver with a clean driving record