Saturn Vue 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 2, 2023
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Average insurance prices for a Saturn Vue are $894 every 12 months for full coverage insurance. Comprehensive costs on average $138 each year, collision costs $152, and liability insurance costs $446. Buying just liability costs as little as $500 a year, with insurance for high-risk drivers costing around $1,912. 16-year-old drivers receive the highest rates at $3,662 a year or more.
Average premium for full coverage: $894
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Vue models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $500 for just the minimum liability insurance to a high rate of $1,912 for a high-risk driver policy.
Price Range by Location
Your location has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than congested cities.
The graphic below illustrates how rural and urban location affects car insurance rates.
These examples illustrate why all drivers should compare rates based on a specific location and their own driving history, rather than relying on rate 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 Rate Analysis
The chart below illustrates estimated Saturn Vue insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $554
- Drivers who choose higher $1,000 deductibles will pay around $68 each year
- The average price for a 40-year-old driver with $500 deductibles is $894
- Buying low deductibles for comprehensive and collision insurance increases the price to $1,016
- High risk drivers with multiple tickets or accidents could pay upwards of $1,912 or more
- The cost to insure a teen driver may cost $3,662 a year
Auto insurance rates for a Saturn Vue can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Vue.
Opting for high physical damage deductibles could save up to $190 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $402 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $3,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,100 to $1,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 41% to 137% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Saturn Vue insurance rates. A 40-year-old driver could pay as low as $590 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,210 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $808 | -$86 | -9.6% |
| Alaska | $686 | -$208 | -23.3% |
| Arizona | $742 | -$152 | -17.0% |
| Arkansas | $894 | -$0 | 0.0% |
| California | $1,018 | $124 | 13.9% |
| Colorado | $852 | -$42 | -4.7% |
| Connecticut | $920 | $26 | 2.9% |
| Delaware | $1,014 | $120 | 13.4% |
| Florida | $1,120 | $226 | 25.3% |
| Georgia | $824 | -$70 | -7.8% |
| Hawaii | $640 | -$254 | -28.4% |
| Idaho | $602 | -$292 | -32.7% |
| Illinois | $664 | -$230 | -25.7% |
| Indiana | $672 | -$222 | -24.8% |
| Iowa | $602 | -$292 | -32.7% |
| Kansas | $850 | -$44 | -4.9% |
| Kentucky | $1,220 | $326 | 36.5% |
| Louisiana | $1,324 | $430 | 48.1% |
| Maine | $552 | -$342 | -38.3% |
| Maryland | $736 | -$158 | -17.7% |
| Massachusetts | $716 | -$178 | -19.9% |
| Michigan | $1,552 | $658 | 73.6% |
| Minnesota | $746 | -$148 | -16.6% |
| Mississippi | $1,072 | $178 | 19.9% |
| Missouri | $792 | -$102 | -11.4% |
| Montana | $960 | $66 | 7.4% |
| Nebraska | $706 | -$188 | -21.0% |
| Nevada | $1,072 | $178 | 19.9% |
| New Hampshire | $644 | -$250 | -28.0% |
| New Jersey | $1,002 | $108 | 12.1% |
| New Mexico | $792 | -$102 | -11.4% |
| New York | $942 | $48 | 5.4% |
| North Carolina | $516 | -$378 | -42.3% |
| North Dakota | $732 | -$162 | -18.1% |
| Ohio | $616 | -$278 | -31.1% |
| Oklahoma | $918 | $24 | 2.7% |
| Oregon | $818 | -$76 | -8.5% |
| Pennsylvania | $852 | -$42 | -4.7% |
| Rhode Island | $1,192 | $298 | 33.3% |
| South Carolina | $810 | -$84 | -9.4% |
| South Dakota | $754 | -$140 | -15.7% |
| Tennessee | $782 | -$112 | -12.5% |
| Texas | $1,078 | $184 | 20.6% |
| Utah | $662 | -$232 | -26.0% |
| Vermont | $614 | -$280 | -31.3% |
| Virginia | $534 | -$360 | -40.3% |
| Washington | $690 | -$204 | -22.8% |
| West Virginia | $818 | -$76 | -8.5% |
| Wisconsin | $618 | -$276 | -30.9% |
| Wyoming | $796 | -$98 | -11.0% |
With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Saturn Vue XE 2WD | $862 | $72 |
| Saturn Vue XR 2WD | $878 | $73 |
| Saturn Vue XR-L 2WD | $894 | $75 |
| Saturn Vue XR AWD | $906 | $76 |
| Saturn Vue XR-L AWD | $922 | $77 |
Rates assume 2006 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 |
|---|---|---|---|---|
| 2009 Saturn Vue | $154 | $170 | $468 | $950 |
| 2008 Saturn Vue | $152 | $166 | $460 | $936 |
| 2007 Saturn Vue | $150 | $160 | $452 | $920 |
| 2006 Saturn Vue | $138 | $152 | $446 | $894 |
| 2005 Saturn Vue | $132 | $144 | $442 | $876 |
Rates are averaged for all Saturn Vue 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 Low Cost Saturn Vue Insurance
Saving money on Saturn Vue insurance not only requires being safe and accident-free, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a review of the information raised in the charts and tables above.
- It is possible to save as much as $100 per year simply by quoting online in advance
- Youthful drivers are charged the highest rates, costing up to $305 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $200 each year
- High-risk drivers who have several accidents or serious violations pay on average $1,020 more each year than a low-risk driver
- Drivers who require more liability protection will pay around $490 annually to go from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,662 |
| 20 | $2,034 |
| 30 | $902 |
| 40 | $894 |
| 50 | $822 |
| 60 | $804 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,016 |
| $250 | $960 |
| $500 | $894 |
| $1,000 | $826 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $894 |
| 50/100 | $1,011 |
| 100/300 | $1,123 |
| 250/500 | $1,413 |
| 100 CSL | $1,056 |
| 300 CSL | $1,301 |
| 500 CSL | $1,480 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,134 |
| 20 | $3,238 |
| 30 | $1,920 |
| 40 | $1,912 |
| 50 | $1,828 |
| 60 | $1,810 |
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 | $48 |
| Homeowner | $16 |
| 5-yr Accident Free | $51 |
| 5-yr Claim Free | $55 |
| Paid in Full/EFT | $30 |
| Advance Quote | $37 |
| Online Quote | $59 |
| Total Discounts | $340 |
Discounts are estimated and may not be available from every company or in every state.
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