SAAB 9-3 2.0T 4-Dr Sedan Insurance Rates

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Estimated insurance rates for a SAAB 9-3 2.0T 4-Dr Sedan are $1,390 a year for full coverage insurance. Comprehensive insurance costs on average $340, collision costs $604, and liability insurance costs around $310. A liability-only policy costs as low as $370 a year, with high-risk insurance costing $2,992 or more. Teenage drivers pay the most at $4,968 a year or more.

Annual premium for full coverage: $1,390

Premium estimates by type of coverage:

Comprehensive $340
Collision $604
Liability $310

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this SAAB 9-3 Trim Level

For a 40-year-old driver, insurance rates for a SAAB 9-3 2.0T 4-Dr Sedan go from as low as $370 for just liability coverage to the much higher price of $2,992 for high-risk insurance.

Liability Only $370
Full Coverage $1,390
High Risk $2,992

These rate differences illustrate why everyone should compare prices based on a specific location and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

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Auto insurance rates for a SAAB 9-3 2.0T 4-Dr Sedan also have a wide range based on your driving characteristics, the model year, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for drivers in their teens, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on SAAB 9-3 2.0T 4-Dr Sedan insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $630 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $279 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. SAAB 9-3 2.0T 4-Dr Sedan insurance for high-risk drivers can be anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

With such a large range of rates, the only way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates will be substantially different from one company to the next.

The chart estimates SAAB 9-3 2.0T 4-Dr Sedan insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $790. Drivers who use higher $1,000 deductibles will pay around $1,174. The average rate for a 40-year-old male driver using $500 deductibles is $1,390. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,804. Drivers with multiple violations and accidents could be charged up to $2,992. The rate for full coverage for a teen driver can be as high as $4,968.

SAAB 9-3 2.0T 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,256 -$134 -9.6%
Alaska $1,064 -$326 -23.5%
Arizona $1,150 -$240 -17.3%
Arkansas $1,390 -$0 0.0%
California $1,582 $192 13.8%
Colorado $1,326 -$64 -4.6%
Connecticut $1,426 $36 2.6%
Delaware $1,570 $180 12.9%
Florida $1,734 $344 24.7%
Georgia $1,284 -$106 -7.6%
Hawaii $998 -$392 -28.2%
Idaho $940 -$450 -32.4%
Illinois $1,034 -$356 -25.6%
Indiana $1,044 -$346 -24.9%
Iowa $936 -$454 -32.7%
Kansas $1,318 -$72 -5.2%
Kentucky $1,892 $502 36.1%
Louisiana $2,056 $666 47.9%
Maine $856 -$534 -38.4%
Maryland $1,144 -$246 -17.7%
Massachusetts $1,106 -$284 -20.4%
Michigan $2,410 $1,020 73.4%
Minnesota $1,162 -$228 -16.4%
Mississippi $1,662 $272 19.6%
Missouri $1,232 -$158 -11.4%
Montana $1,490 $100 7.2%
Nebraska $1,094 -$296 -21.3%
Nevada $1,664 $274 19.7%
New Hampshire $1,000 -$390 -28.1%
New Jersey $1,552 $162 11.7%
New Mexico $1,228 -$162 -11.7%
New York $1,462 $72 5.2%
North Carolina $800 -$590 -42.4%
North Dakota $1,136 -$254 -18.3%
Ohio $956 -$434 -31.2%
Oklahoma $1,424 $34 2.4%
Oregon $1,272 -$118 -8.5%
Pennsylvania $1,322 -$68 -4.9%
Rhode Island $1,850 $460 33.1%
South Carolina $1,258 -$132 -9.5%
South Dakota $1,170 -$220 -15.8%
Tennessee $1,214 -$176 -12.7%
Texas $1,672 $282 20.3%
Utah $1,026 -$364 -26.2%
Vermont $948 -$442 -31.8%
Virginia $832 -$558 -40.1%
Washington $1,070 -$320 -23.0%
West Virginia $1,274 -$116 -8.3%
Wisconsin $960 -$430 -30.9%
Wyoming $1,238 -$152 -10.9%

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Rates by Driver Age

SAAB 9-3 2.0T 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $4,968
20 $3,188
30 $1,462
40 $1,390
50 $1,266
60 $1,242

Full coverage, $500 deductibles

Rates by Deductible

SAAB 9-3 2.0T 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,804
$250 $1,612
$500 $1,390
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

SAAB 9-3 2.0T 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,390
50/100 $1,452
100/300 $1,530
250/500 $1,731
100 CSL $1,483
300 CSL $1,654
500 CSL $1,778

Full coverage, driver age 40

Rates for High Risk Drivers

SAAB 9-3 2.0T 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $7,124
20 $5,060
30 $3,076
40 $2,992
50 $2,850
60 $2,822

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 $193

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $70
Homeowner $19
5-yr Accident Free $107
5-yr Claim Free $90
Paid in Full/EFT $68
Advance Quote $71
Online Quote $100
Total Discounts $600
Rate after discounts $790

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

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