Saab 9-3 Insurance Rates
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UPDATED: May 12, 2022
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The average auto insurance rates for a Saab 9-3 are $850 annually for full coverage insurance. Comprehensive insurance costs around $150 a year, collision costs $188, and liability is estimated at $376. Liability-only coverage costs approximately $426 a year, with high-risk coverage costing $1,816 or more. Teens cost the most to insure at $3,376 a year or more.
Average premium for full coverage: $850
Policy rates for type of insurance:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and 9-3 trim levels.
Price Range Variability
For the average 40-year-old driver, Saab 9-3 insurance rates go from as cheap as $426 for your basic liability-only policy to a high of $1,816 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on auto insurance rates.
The examples above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.
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.
More Rate Information
The chart below illustrates estimated Saab 9-3 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $517
- Choosing higher $1,000 deductibles can save about $772 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $850
- Selecting low $100 deductibles for comp and collision coverage costs an additional $144 every year
- Unlucky drivers with serious driving violations could pay at least $1,816 or more
- Policy cost with full coverage for a teen driver can be $3,376 each year
Insurance rates for a Saab 9-3 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $3,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,000 to $1,400 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $230 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Saab 9-3 insurance prices. A good driver about age 40 could pay as low as $560 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,150 on average in Michigan, New York, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Because rates have so much variability, the only way to figure out your exact price is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, and rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
|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 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2008 Saab 9-3||$180||$250||$402||$968|
|2007 Saab 9-3||$174||$224||$398||$932|
|2006 Saab 9-3||$172||$218||$390||$916|
|2005 Saab 9-3||$168||$208||$384||$896|
|2003 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 Affordable Saab 9-3 Insurance
Finding cheaper rates on car insurance takes being a good driver, having good credit, being claim-free, and taking advantage of discounts. Make time to compare rates once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a brief review of the data that was touched on in this article.
- It is possible to save up to $90 per year simply by quoting early and online
- Policyholders who may need an increased level of liability coverage will pay approximately $410 annually to raise limits from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 are charged the highest rates, possibly costing $281 each month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions pay on average $970 more every year than a safer driver
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$52|
|5-yr Claim Free||$53|
|Paid in Full/EFT||$31|
Discounts are estimated and may not be available from every company or in every state.