Saab 9-3 Insurance Rates

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UPDATED: Jun 5, 2023

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U.S. average auto insurance rates for a Saab 9-3 are $850 annually including full coverage. Comprehensive costs on average $150, collision insurance costs $188, and liability is estimated at $376. Liability-only coverage costs approximately $426 a year, and high-risk coverage costs around $1,816. Teenage drivers pay the highest rates at up to $3,376 a year.

Average premium for full coverage: $850

Price estimates by individual coverage:

Comprehensive $150
Collision $188
Liability $376

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all 9-3 models.

Price Range from Low to High

Using a middle-aged driver as an example, Saab 9-3 insurance prices range from as cheap as $426 for just liability coverage to the much higher price of $1,816 for high-risk insurance.

Liability Only $426
Full Coverage $850
High Risk $1,816

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

Rural Areas $638
Small Cities $893
Large Cities $1,148

The ranges above highlight why everyone should get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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.

Detailed Rate Analysis

The chart below breaks down average Saab 9-3 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $517
  • Choosing higher $1,000 deductibles can save around $78 every year
  • The estimated rate for the average middle-age driver with $500 deductibles is $850
  • Using pricier low deductibles for comp and collision coverage will cost $994
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $1,816
  • The price with full coverage for a teen driver for full coverage may cost $3,376 each year

View Chart as Image

Saab 9-3 insurance cost comparison chart
Column chart showing Saab 9-3 insurance rates range from $517 to $3,376 for full coverage

Auto insurance prices for a Saab 9-3 are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $800 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $3,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,000 to $1,400 in extra premium each year, depending on your age. Saab 9-3 insurance for high-risk drivers ranges as much as 41% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $230 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Saab 9-3 insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,210 on average in Michigan, New York, and Louisiana.

Saab 9-3 Insurance Rates by State
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%

View Chart as Image

Saab 9-3 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Saab 9-3 Insurance Rates by Model and Trim Level
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.

Saab 9-3 Insurance Rates by Model Year
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 Buy Cheap Saab 9-3 Insurance

Getting lower rates on car insurance takes avoiding accidents and violations, having above-average credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the material that was touched on in the above illustrations.

  • Policyholders who require higher liability limits will pay an extra $410 per year to raise limits from a low limit to higher 250/500 limits
  • Teenagers are charged the highest prices, possibly costing $281 a month if full coverage is included
  • Higher risk drivers that tend to have accidents or serious violations pay on average $970 more each year for car insurance
  • Increasing physical damage deductibles could save up to $225 each year

Rates by Driver Age

Saab 9-3 Insurance 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

Saab 9-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $994
$250 $930
$500 $850
$1,000 $772

Full coverage, driver age 40

Rates by Liability Limit

Saab 9-3 Insurance Rates with Different Liability Limits
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

Saab 9-3 Insurance 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.

SR-22 Surcharge $112

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
Rate after discounts $517

Discounts are estimated and may not be available from every company or in every state.

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