Saab 9-3 Insurance Rates

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UPDATED: Jun 5, 2023

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The average insurance rates for a Saab 9-3 are $850 a year including full coverage. Comprehensive insurance costs on average $150, collision insurance costs $188, and liability is estimated at $376. Liability-only coverage costs approximately $426 a year, and high-risk coverage costs $1,816 or more. Teenage 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:

Comprehensive $150
Collision $188
Liability $376

Rate estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different 9-3 trim levels.

Price Range Variability

For a 40-year-old driver, Saab 9-3 insurance rates range from as low as $426 for minimum levels of liability insurance to a much higher rate of $1,816 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how your location can change car insurance rates.

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

The examples above highlight why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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 breaks down average Saab 9-3 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $517
  • Choosing higher $1,000 deductibles can save around $78 every year
  • The average rate for a good driver age 40 with $500 deductibles is $850
  • Using more expensive low deductibles for comp and collision coverage will cost an extra $144 annually
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,816
  • Policy cost for full coverage for a 16-year-old driver with full coverage may cost $3,376 each year

View Chart as Image

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

Insurance rates for a Saab 9-3 also range considerably based on your risk profile, the model of your 9-3, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $3,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Saab 9-3 insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,210 on average in Michigan, New York, and Louisiana.

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

Using high physical damage deductibles can save as much as $230 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,000 to $1,400 additional every year, depending on your age. High-risk driver insurance ranges from 41% to 131% more than a normal policy. View High Risk Driver Rates

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 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.

Saab 9-3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2008 Saab 9-3 $172 $218 $390 $916
2007 Saab 9-3 $168 $208 $384 $896
2006 Saab 9-3 $154 $198 $380 $868
2005 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 Find the Best Saab 9-3 Insurance

Finding cheaper rates on insurance for a Saab 9-3 takes having a good driving record, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to shop around every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief recap of the ideas that were illustrated above.

  • Drivers age 20 and younger pay higher rates, with premiums being up to $281 each month including comprehensive and collision insurance
  • Drivers considered higher risk who tend to receive serious violations may pay on average $970 more each year to buy Saab 9-3 insurance
  • Increasing comprehensive and collision deductibles can save around $225 each year
  • You may be able to save as much as $90 per year just by shopping early and online

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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