Saab 9-3 Insurance Rates
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UPDATED: Jun 5, 2023
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U.S. average insurance prices for a Saab 9-3 are $868 every 12 months including full coverage. Comprehensive costs approximately $154, collision insurance costs $198, and liability coverage is estimated at $380. A policy with just liability insurance costs approximately $428 a year, and coverage for high-risk drivers costs around $1,858. Teenage drivers pay the highest rates at up to $3,444 a year.
Average premium for full coverage: $868
Price estimates by individual coverage:
Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different 9-3 trim levels.
Price Range from Low to High
For a 40-year-old driver, Saab 9-3 insurance prices range from the cheapest price of $428 for your basic liability-only policy to a much higher rate of $1,858 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a large influence on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.
The ranges above highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than using average rates.
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 breaks down average Saab 9-3 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $527
- Choosing higher $1,000 deductibles can save $80 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $868
- Using more expensive low deductibles for comp and collision coverage increases the price to $1,022
- Drivers who are prone to accidents and violations could pay around $1,858
- The price to insure a teenage driver with full coverage can cost $3,444 each year
Insurance prices for a Saab 9-3 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your 9-3.
Using high physical damage deductibles can save as much as $240 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $402 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may only pay around $800 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $3,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,000 to $1,500 extra each year, depending on your age. High-risk driver insurance ranges around 44% to 128% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Saab 9-3 insurance rates. A good driver about age 40 could pay as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,240 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $786 | -$82 | -9.4% |
| Alaska | $666 | -$202 | -23.3% |
| Arizona | $720 | -$148 | -17.1% |
| Arkansas | $868 | -$0 | 0.0% |
| California | $988 | $120 | 13.8% |
| Colorado | $828 | -$40 | -4.6% |
| Connecticut | $890 | $22 | 2.5% |
| Delaware | $980 | $112 | 12.9% |
| Florida | $1,084 | $216 | 24.9% |
| Georgia | $802 | -$66 | -7.6% |
| Hawaii | $624 | -$244 | -28.1% |
| Idaho | $588 | -$280 | -32.3% |
| Illinois | $648 | -$220 | -25.3% |
| Indiana | $654 | -$214 | -24.7% |
| Iowa | $584 | -$284 | -32.7% |
| Kansas | $822 | -$46 | -5.3% |
| Kentucky | $1,182 | $314 | 36.2% |
| Louisiana | $1,284 | $416 | 47.9% |
| Maine | $536 | -$332 | -38.2% |
| Maryland | $718 | -$150 | -17.3% |
| Massachusetts | $692 | -$176 | -20.3% |
| Michigan | $1,506 | $638 | 73.5% |
| Minnesota | $728 | -$140 | -16.1% |
| Mississippi | $1,040 | $172 | 19.8% |
| Missouri | $772 | -$96 | -11.1% |
| Montana | $932 | $64 | 7.4% |
| Nebraska | $684 | -$184 | -21.2% |
| Nevada | $1,042 | $174 | 20.0% |
| New Hampshire | $626 | -$242 | -27.9% |
| New Jersey | $970 | $102 | 11.8% |
| New Mexico | $766 | -$102 | -11.8% |
| New York | $912 | $44 | 5.1% |
| North Carolina | $500 | -$368 | -42.4% |
| North Dakota | $710 | -$158 | -18.2% |
| Ohio | $596 | -$272 | -31.3% |
| Oklahoma | $890 | $22 | 2.5% |
| Oregon | $796 | -$72 | -8.3% |
| Pennsylvania | $828 | -$40 | -4.6% |
| Rhode Island | $1,156 | $288 | 33.2% |
| South Carolina | $788 | -$80 | -9.2% |
| South Dakota | $732 | -$136 | -15.7% |
| Tennessee | $760 | -$108 | -12.4% |
| Texas | $1,046 | $178 | 20.5% |
| Utah | $642 | -$226 | -26.0% |
| Vermont | $594 | -$274 | -31.6% |
| Virginia | $518 | -$350 | -40.3% |
| Washington | $672 | -$196 | -22.6% |
| West Virginia | $796 | -$72 | -8.3% |
| Wisconsin | $600 | -$268 | -30.9% |
| Wyoming | $772 | -$96 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Saab 9-3 2.0T 4-Dr Sedan | $838 | $70 |
| Saab 9-3 2.0T Station Wagon | $854 | $71 |
| Saab 9-3 2.0T XWD 4-Dr Sedan | $854 | $71 |
| Saab 9-3 Aero 4-Dr Sedan | $868 | $72 |
| Saab 9-3 2.0T 2-Dr Convertible | $972 | $81 |
| Saab 9-3 2.0T XWD Station Wagon | $884 | $74 |
| Saab 9-3 Aero Station Wagon | $884 | $74 |
| Saab 9-3 Aero XWD 4-Dr Sedan | $884 | $74 |
| Saab 9-3 Aero 2-Dr Convertible | $1,002 | $84 |
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 | $174 | $224 | $398 | $932 |
| 2007 Saab 9-3 | $172 | $218 | $390 | $916 |
| 2006 Saab 9-3 | $168 | $208 | $384 | $896 |
| 2005 Saab 9-3 | $154 | $198 | $380 | $868 |
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 Right Saab 9-3 Insurance
Getting lower rates on auto insurance takes being a good driver, having good credit, being claim-free, and possibly raising deductibles. Invest the time to shop around every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following list is a quick rundown of the coverage data illustrated above.
- You may be able to save around $100 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $225 each year
- Drivers age 16 to 20 are expensive to insure, possibly costing $287 a month if they have full coverage
- Drivers with reckless driving or DUI convictions could be charged and average of $990 more per year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,444 |
| 20 | $1,976 |
| 30 | $886 |
| 40 | $868 |
| 50 | $798 |
| 60 | $782 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,022 |
| $250 | $952 |
| $500 | $868 |
| $1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $868 |
| 50/100 | $1,091 |
| 100/300 | $1,203 |
| 250/500 | $1,493 |
| 100 CSL | $1,136 |
| 300 CSL | $1,381 |
| 500 CSL | $1,560 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,852 |
| 20 | $3,142 |
| 30 | $1,880 |
| 40 | $1,858 |
| 50 | $1,774 |
| 60 | $1,756 |
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 | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $32 |
| Advance Quote | $38 |
| Online Quote | $59 |
| Total Discounts | $341 |
Discounts are estimated and may not be available from every company or in every state.
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