Saab 9-3 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 5, 2023
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Average insurance prices for a Saab 9-3 are $850 every 12 months with full coverage. Comprehensive costs on average $150 each year, collision insurance costs $188, and liability insurance is $376. A liability-only policy costs around $426 a year, and high-risk insurance costs around $1,816. Teens receive the highest rates at up to $3,376 a year.
Average premium for full coverage: $850
Rate estimates by individual coverage type:
Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and 9-3 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the cheapest price of $426 for the bare minimum liability coverage to a high rate of $1,816 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects car insurance rates.
These examples demonstrate why all drivers should compare rates quotes based on a specific location and their own driving history, rather than relying on 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.
Additional Rate Information
The chart below details average Saab 9-3 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $517
- Raising to $1,000 deductibles will save around $78 annually
- The average price for a 40-year-old driver with $500 deductibles is $850
- Selecting low deductibles increases the price to $994
- Higher-risk drivers with serious driving violations could pay upwards of $1,816
- The cost to insure a teen driver may cost $3,376
Insurance rates for a Saab 9-3 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your 9-3.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $230 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $800 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $3,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,000 to $1,400 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 131% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Saab 9-3 insurance rates. A middle-age driver might find rates as low as $610 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,150 on average in Florida, Michigan, and New York.
| 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% |
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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2008 Saab 9-3 | $168 | $208 | $384 | $896 |
| 2007 Saab 9-3 | $154 | $198 | $380 | $868 |
| 2006 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 Shop for the Best Saab 9-3 Insurance
Saving money on Saab 9-3 insurance consists of not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Take the time to comparison shop every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a brief recap of the ideas that were touched on in the above illustrations.
- Teens pay the highest rates, with premiums as much as $281 per month if they have full coverage
- High-risk drivers who tend to receive serious violations may pay on average $970 more each year for 9-3 insurance
- Increasing deductibles could save as much as $225 each year
- You may be able to save as much as $90 per year just by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $994 |
| $250 | $930 |
| $500 | $850 |
| $1,000 | $772 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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