Saab 9-3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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U.S. average insurance rates for a Saab 9-3 are $868 a year for full coverage insurance. Comprehensive costs around $154 each year, collision costs $198, and liability is estimated at $380. A policy with just liability insurance costs approximately $428 a year, with coverage for high-risk drivers costing around $1,858. 16-year-old drivers pay the highest rates at $3,444 a year or more.

Average premium for full coverage: $868

Price estimates for individual coverage:

Comprehensive $154
Collision $198
Liability $380

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and 9-3 models.

Price Range from Low to High

For an average driver, Saab 9-3 insurance prices go from the low end price of $428 for just the minimum liability insurance to a high rate of $1,858 for a high-risk driver policy.

Liability Only $428
Full Coverage $868
High Risk $1,858

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $651
Small Cities $911
Large Cities $1,172

The ranges above illustrate why all drivers should get quotes for a specific zip code, instead of making a decision based on rate 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 estimated Saab 9-3 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $527
  • Choosing higher $1,000 deductibles can save about $80 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $868
  • Buying low deductibles for comp and collision coverage bumps up the cost to $1,022
  • Higher-risk drivers with multiple tickets or accidents could pay at least $1,858 or more
  • The price that insures a 16-year-old driver can be $3,444 each year

View Chart as Image

Saab 9-3 insurance cost comparison chart
Column chart showing full coverage Saab 9-3 insurance rates range from $527 to $3,444

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

If you have some driving violations or you caused an accident, you are probably paying at least $1,000 to $1,500 extra each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 128% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $800 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $3,400 a year. View Rates by Age

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 $570 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,170 on average in Michigan, New York, and Florida.

Saab 9-3 Insurance Rates by State
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%

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $240 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $402 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, so the prices may be quite different.

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 $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.

Saab 9-3 Insurance Rates by Model Year
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 the Best Saab 9-3 Insurance

Getting lower rates on insurance for a Saab 9-3 takes being safe and accident-free, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Comparison shop every time your policy renews by quoting rates from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a brief recap of the information covered in the above illustrations.

  • It is possible to save up to $100 per year simply by quoting online in advance
  • Youthful drivers pay higher prices, as much as $287 a month if full coverage is included
  • Increasing physical damage deductibles can save approximately $225 each year
  • Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $990 more every year than a low-risk driver
  • Insureds who may need more liability protection will pay around $420 annually to raise limits from a low limit to the 250/500 level

Rates by Driver Age

Saab 9-3 Insurance 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

Saab 9-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,022
$250 $952
$500 $868
$1,000 $788

Full coverage, driver age 40

Rates by Liability Limit

Saab 9-3 Insurance Rates with Different Liability Limits
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

Saab 9-3 Insurance 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.

SR-22 Surcharge $115

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
Rate after discounts $527

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

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