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2005 Saturn VUE Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 6, 2020

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Average insurance rates for a 2005 Saturn VUE are $950 a year including full coverage. Comprehensive costs on average $154 each year, collision costs $170, and liability costs around $468. Buying a liability-only policy costs as low as $518 a year, with high-risk insurance costing around $2,040. Teen drivers receive the highest rates at $3,870 a year or more.

Annual premium for full coverage: $950

Rate estimates for 2005 Saturn VUE Insurance

Comprehensive $154
Collision $170
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 Saturn VUE models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $518 for basic liability insurance to a high rate of $2,040 for high-risk insurance.

Liability Only $518
Full Coverage $950
High Risk $2,040

View Chart as Image

2005 Saturn VUE insurance rates compared
Column chart showing 2005 Saturn VUE insurance prices range from $585 to $3,870 for full coverage

These differences highlight why all drivers should compare prices based on a specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2005 Saturn VUE Insurance

Searching Companies

Trying to find better insurance rates for your Saturn VUE? Searching for better insurance prices for a new or used Saturn VUE can normally be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to shop for insurance so we’re going to tell you the proper way to get price quotes for a Saturn and locate the lowest price.

Choosing the best insurance company for you is not that difficult. If you are insured now or need a new policy, you can use this information to reduce the price you pay while maximizing coverage. Drivers just need to learn how to compare company rates online.

How to Lower Your Insurance Cost

Comparing insurance rates can be exhausting if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize online quotes to maximize your effort.

Many of the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and each participating company can give them a price based on that information. This prevents consumers from doing quotation requests for every insurance company.

To compare pricing click here (opens in new window).

The only downside to using this type of system is you are unable to specify which providers you want pricing from. So if you prefer to choose from a list of companies to compare, we have a page of companies who write insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but double check that you are using identical coverages and limits for every company. If the quotes have different deductibles then you won’t be able to truly determine the lowest rate.

Best discounts on Saturn VUE coverage

Car insurance companies do not list every available discount in an easy-to-find place, so we break down both well-publicized and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Homeowners Savings – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • Claim Free – Claim-free drivers pay much less as compared to bad drivers.
  • Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Bundle and Save – When you have multiple policies with the same company you may earn at least 10% off all policies.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • College Student – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

Companies that possibly offer these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company what discounts are available to you. Some discounts may not apply in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Tailor your coverage to you

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

  • Is my camper covered by my car insurance policy?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can my babysitter drive my car?
  • Why do I only qualify for high-risk insurance?
  • Do I need rental car coverage?
  • Am I covered when delivering products for my home-based business?
  • Is extra glass coverage worth it?
  • Will filing a claim cost me more?
  • I don’t drive much so do I pay less?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

The coverage is in the details

Learning about specific coverages of auto insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage protection

Collision insurance covers damage to your VUE resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, driving through your garage door, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a bird, damage from getting keyed, hail damage and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

This coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability insurance covers claims like loss of income, funeral expenses, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, funeral costs and dental work. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2005 Saturn VUE Insurance Rates by City
City Premium
New York City, NY $1,506
Los Angeles, CA $1,626
Philadelphia, PA $1,271
Jacksonville, FL $1,385
Phoenix, AZ $1,106
Chicago, IL $1,282
Houston, TX $1,492
Seattle, WA $930
Columbus, OH $796
Indianapolis, IN $809

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 Saturn VUE Insurance Rates by Driver Age
Driver Age Premium
16 $3,870
20 $2,164
30 $966
40 $950
50 $874
60 $856

Full coverage, $500 deductibles

Rates by Deductible

2005 Saturn VUE Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,090
$250 $1,028
$500 $950
$1,000 $878

Full coverage, driver age 40

Rates by Liability Limit

Saturn VUE Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $950
50/100 $1,044
100/300 $1,161
250/500 $1,465
100 CSL $1,090
300 CSL $1,348
500 CSL $1,535

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Saturn VUE Insurance Rates for High Risk Drivers
Age Premium
16 $5,432
20 $3,448
30 $2,052
40 $2,040
50 $1,950
60 $1,928

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 $125

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $55
5-yr Claim Free $59
Paid in Full/EFT $32
Advance Quote $40
Online Quote $63
Total Discounts $365
Rate after discounts $585

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

Find companies with the cheapest rates in your area

2005 Saturn VUE Insurance Rates by State
State Premium
Alabama $862
Alaska $730
Arizona $790
Arkansas $950
California $1,084
Colorado $912
Connecticut $980
Delaware $1,078
Florida $1,194
Georgia $878
Hawaii $682
Idaho $644
Illinois $712
Indiana $716
Iowa $642
Kansas $906
Kentucky $1,298
Louisiana $1,408
Maine $590
Maryland $784
Massachusetts $762
Michigan $1,654
Minnesota $796
Mississippi $1,142
Missouri $846
Montana $1,024
Nebraska $752
Nevada $1,142
New Hampshire $688
New Jersey $1,064
New Mexico $844
New York $1,004
North Carolina $548
North Dakota $780
Ohio $658
Oklahoma $978
Oregon $872
Pennsylvania $908
Rhode Island $1,272
South Carolina $862
South Dakota $804
Tennessee $836
Texas $1,148
Utah $704
Vermont $652
Virginia $570
Washington $738
West Virginia $872
Wisconsin $658
Wyoming $850

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