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 rates for a Saab 9-3 are $850 a year with full coverage. Comprehensive costs an estimated $150, collision costs $188, and liability is estimated at $376. Buying just liability costs approximately $426 a year, with insurance for high-risk drivers costing around $1,816. Teens receive the highest rates at $3,376 a year or more.
Average premium for full coverage: $850
Rate estimates broken down by individual coverage type:
Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all 9-3 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $426 for basic liability insurance to the much higher price of $1,816 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. More rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.
The example below illustrates how your location can change insurance prices.
These examples demonstrate why everyone should get quotes for a targeted area, 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.
Rate Comparisons
The chart below details estimated Saab 9-3 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $517
- Choosing higher $1,000 deductibles can save approximately $78 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $850
- Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $994
- Unlucky drivers with serious driving violations could pay up to $1,816 or more
- The cost that insures a teen driver for full coverage can cost as much as $3,376 each year
Auto insurance rates for a Saab 9-3 can also vary considerably based on the model of your 9-3, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $1,000 to $1,400 in extra premium per year, depending on your age. Saab 9-3 insurance for high-risk drivers ranges as much as 41% to 131% more than the average policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $3,300 a year. View Rates by Age
Where you live plays a big part in determining prices for Saab 9-3 insurance prices. A good driver about age 40 could pay as low as $610 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,150 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $230 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates can be significantly different.
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 Find the Best Saab 9-3 Insurance
Saving money on car insurance takes not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a brief recap of the concepts that were illustrated above.
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $970 more annually for 9-3 insurance
- Teens are the costliest to insure, with premiums as much as $281 per month if the policy includes full coverage
- You may be able to save approximately $90 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $225 each year
- You may be able to save approximately $90 per year simply by quoting online well ahead of the renewal date
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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