Saab 9-3 Insurance Rates

U.S. average insurance prices for a Saab 9-3 are $850 every 12 months with full coverage. Comprehensive costs approximately $150, collision costs $188, and liability is $376. Liability-only coverage costs around $426 a year, with high-risk coverage costing around $1,816. Teenage drivers pay the highest rates at $3,376 a year or more.

Average premium for full coverage: $850

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different 9-3 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below details estimated Saab 9-3 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $517
• Raising to $1,000 deductibles will save $78 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $850
• Using more expensive low deductibles increases the price to $994
• At-risk drivers who are prone to accidents and violations could pay around $1,816 or more
• The price to insure a teen driver with full coverage can cost $3,376

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

Using high physical damage deductibles can reduce prices by up to $230 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $3,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,000 to $1,400 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Saab 9-3 insurance prices. 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.

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Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite 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 Shop for Cheaper Saab 9-3 Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every other policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the ideas that were covered above.

• Drivers under the age of 20 have the highest car insurance prices, costing up to $281 a month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $970 more per year to insure a Saab 9-3
• Increasing physical damage deductibles could save as much as $225 each year
• You may be able to save around $90 per year simply by shopping early and online