Saab 9-3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 5, 2023

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Estimated auto insurance rates for a Saab 9-3 are $850 annually with full coverage. Comprehensive costs on average $150 each year, collision insurance costs $188, and liability is $376. Liability-only coverage costs around $426 a year, and high-risk coverage costs around $1,816. Teen drivers pay the most at up to $3,376 a year.

Average premium for full coverage: $850

Premium estimates by type of coverage:

Comprehensive $150
Collision $188
Liability $376

Includes $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and 9-3 models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Saab 9-3 range from as cheap as $426 for minimum levels of liability insurance to a high rate of $1,816 for a driver required to buy high-risk insurance.

Liability Only $426
Full Coverage $850
High Risk $1,816

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than larger metro areas. The graphic below illustrates how your location can change car insurance rates.

Rural Areas $638
Small Cities $893
Large Cities $1,148

These rate differences demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on price 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 Details

The chart below details average Saab 9-3 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $517
  • Raising to $1,000 deductibles will save around $78 annually
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $850
  • Choosing low deductibles will cost $994
  • Drivers with multiple violations and an at-fault accident could pay upwards of $1,816
  • An auto insurance policy with full coverage for a 16-year-old driver may cost $3,376

View Chart as Image

Saab 9-3 insurance cost comparison chart
Column chart showing Saab 9-3 insurance rates range from $517 to $3,376 for full coverage

Insurance prices for a Saab 9-3 also have a wide range based on the model of your 9-3, your driving record, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $3,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,000 to $1,400 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $230 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Saab 9-3 insurance prices. A middle-age driver might find prices as low as $610 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,150 on average in Florida, Michigan, and New York.

Saab 9-3 Insurance Rates by State
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%

View Chart as Image

Saab 9-3 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Saab 9-3 Insurance Rates by Model and Trim Level
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 2001 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.

Saab 9-3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2008 Saab 9-3 $180 $250 $402 $968
2007 Saab 9-3 $174 $224 $398 $932
2006 Saab 9-3 $172 $218 $390 $916
2005 Saab 9-3 $168 $208 $384 $896
2003 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 Buy the Cheapest Saab 9-3 Insurance

Finding better rates on insurance for a Saab 9-3 consists of being a safe and courteous driver, having a good credit history, being claim-free, and determing if full coverage is necessary. Invest the time to shop around at every policy renewal by getting rate quotes from direct companies, and also from local independent and exclusive agents.

Below is a recap of the data illustrated above.

  • Insureds who require higher levels of liability will pay about $410 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
  • You may be able to save as much as $90 per year just by quoting online in advance
  • Increasing policy deductibles could save up to $225 each year
  • Teenage drivers pay the highest prices, possibly costing $281 per month including comprehensive and collision insurance

Rates by Driver Age

Saab 9-3 Insurance 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

Saab 9-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $994
$250 $930
$500 $850
$1,000 $772

Full coverage, driver age 40

Rates by Liability Limit

Saab 9-3 Insurance Rates with Different Liability Limits
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

Saab 9-3 Insurance 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.

SR-22 Surcharge $112

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
Rate after discounts $517

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

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