Saab 9-3 Insurance Rates

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UPDATED: Jun 5, 2023

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Average insurance rates for a Saab 9-3 are $850 a year for full coverage. Comprehensive costs on average $150 each year, collision costs $188, and liability costs $376. Buying just liability costs as little as $426 a year, with insurance for high-risk drivers costing around $1,816. Teen drivers receive the highest rates at $3,376 a year or more.

Average premium for full coverage: $850

Rate estimates by individual coverage type:

Comprehensive $150
Collision $188
Liability $376

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and 9-3 models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $426 for liability-only coverage to a high rate of $1,816 for a policy for a high-risk driver.

Liability Only $426
Full Coverage $850
High Risk $1,816

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The graphic below illustrates how your location can change car insurance rates.

Rural Areas $638
Small Cities $893
Large Cities $1,148

These examples show why all drivers should compare rates based on a specific location and risk profile, instead of using price averages.

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 Charts and Tables

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

  • The lowest rate with discounts is $517
  • Drivers who choose higher $1,000 deductibles will pay around $78 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $850
  • Choosing low deductibles for comprehensive and collision insurance will increase the cost to $994
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $1,816 or more
  • The cost for full coverage for a teen driver may cost $3,376 a year

View Chart as Image

Saab 9-3 insurance cost comparison chart
Column chart showing full coverage Saab 9-3 insurance rates range from $517 to $3,376

Auto insurance rates for a Saab 9-3 can also vary considerably based on your driver profile, the trim level of your 9-3, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $800 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $3,300 a year. View Rates by Age

Where you live makes a big difference in Saab 9-3 insurance prices. A 40-year-old driver could pay 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.

Saab 9-3 Insurance Rates by State
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%

View Chart as Image

Saab 9-3 insurance rates by U.S. city

Choosing high deductibles could save up to $230 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,000 to $1,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Saab 9-3 Insurance Rates by Model and Trim Level
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.

Saab 9-3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2008 Saab 9-3 $172 $218 $390 $916
2007 Saab 9-3 $168 $208 $384 $896
2006 Saab 9-3 $154 $198 $380 $868
2005 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 Cheaper Saab 9-3 Insurance

Saving money on car insurance not only requires having a good driving record, but also having good credit, eliminating unneeded coverage, and taking advantage of discounts. Invest the time to shop around every year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The next list is a condensed summary of the coverage data illustrated above.

  • Drivers can save as much as $90 per year simply by quoting online in advance
  • Increasing deductibles can save around $225 each year
  • Drivers age 20 and younger are charged the highest rates, costing as high as $281 per month if they have full coverage
  • Higher risk drivers with multiple at-fault accidents will pay on average $970 more each year to buy Saab 9-3 insurance

Rates by Driver Age

Saab 9-3 Insurance 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

Saab 9-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $994
$250 $930
$500 $850
$1,000 $772

Full coverage, driver age 40

Rates by Liability Limit

Saab 9-3 Insurance Rates with Different Liability Limits
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

Saab 9-3 Insurance 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.

SR-22 Surcharge $112

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
Rate after discounts $517

Discounts are estimated and may not be available from every company or in every state.

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