Saab 9-3 Insurance Rates

U.S. average insurance rates for a Saab 9-3 are $850 a year for full coverage. Comprehensive costs on average $150 a year, collision costs $188, and liability insurance costs around $376. A policy with just liability insurance costs as low as $426 a year, with coverage for high-risk drivers costing around $1,816. Teen drivers pay the highest rates at $3,376 a year or more.

Average premium for full coverage: $850

Price estimates by individual coverage:

Rates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and 9-3 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

The ranges above show why it is important to compare prices based on a specific location and risk profile, rather than relying on price averages.

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

Additional Rate Analysis

The chart below shows estimated Saab 9-3 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $517
• Using higher $1,000 deductibles will save around $772 a year
• The average rate for the average middle-age driver with $500 deductibles is $850
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $994
• Drivers with multiple violations and an at-fault accident could pay upwards of $1,816 or more
• The price for full coverage for a teen driver may cost $3,376 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles could pay as little as $800 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $3,300 a year. View Rates by Age

The state you live in has a huge impact on Saab 9-3 insurance rates. A driver around age 40 might see prices as low as $560 a year in states like Idaho, Maine, and Iowa, or as much as $1,210 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $230 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,000 to $1,400 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 131% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2001 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 Cheaper Saab 9-3 Insurance

Getting lower rates on Saab 9-3 insurance requires being a good driver, maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following list is a summary of the information that was covered in this article.

• Increasing physical damage deductibles can save around $225 each year
• Drivers can save as much as $90 per year simply by quoting early and online
• Drivers who require an increased level of liability coverage will pay about $410 each year to increase from a low limit to 250/500 limits
• Drivers age 16 to 20 pay the highest prices, with premiums as much as $281 a month for full coverage
• High-risk drivers that have multiple accidents or serious violations will pay on average $970 more each year than a safer driver