Saab 9-3 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 5, 2023
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The average insurance prices for a Saab 9-3 are $850 every 12 months for full coverage. Comprehensive insurance costs approximately $150, collision insurance costs $188, and liability is $376. Buying just liability costs around $426 a year, and insurance for high-risk drivers costs $1,816 or more. 16-year-old drivers cost the most to insure at up to $3,376 a year.
Average premium for full coverage: $850
Policy rates by type of insurance:
Estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all 9-3 models.
Price Range Variability
For the average driver, Saab 9-3 insurance rates range from the cheapest price of $426 for just liability insurance to the much higher price of $1,816 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities. The example below illustrates how location impacts auto insurance prices.
The examples above show why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based 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.
More Rate Details
The chart below shows average Saab 9-3 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $517
- Raising to $1,000 deductibles will save $78 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $850
- Buying pricier low deductibles costs an extra $144 annually
- Drivers with multiple tickets or accidents could pay around $1,816
- Policy cost to insure a 16-year-old driver for full coverage can cost $3,376
Insurance rates for a Saab 9-3 also range considerably based on liability limits and deductibles, your driver profile, and the model of your 9-3.
Opting for high physical damage deductibles can reduce rates by up to $230 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $3,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,000 to $1,400 extra every year, depending on your age. Saab 9-3 insurance for high-risk drivers is expensive and can cost from 41% to 131% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Saab 9-3 insurance prices. A middle-age driver might find rates as low as $560 a year in states like Iowa, Maine, and Idaho, or at least $1,210 on average in New York, Louisiana, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2008 Saab 9-3 | $168 | $208 | $384 | $896 |
| 2007 Saab 9-3 | $154 | $198 | $380 | $868 |
| 2006 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 Shop for Low Cost Saab 9-3 Insurance
Finding cheaper rates on insurance for a Saab 9-3 consists of having a good driving record, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The next list is a review of the coverage data touched on above.
- Drivers can save around $90 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- Drivers age 20 and younger are expensive to insure, costing up to $281 each month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations may pay on average $970 more per year to buy Saab 9-3 insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $994 |
| $250 | $930 |
| $500 | $850 |
| $1,000 | $772 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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