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...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Estimated insurance prices for a Saab 9-3 are $868 every 12 months with full coverage. Comprehensive insurance costs an estimated $154, collision costs $198, and liability is estimated at $380. A liability-only policy costs approximately $428 a year, with high-risk insurance costing $1,858 or more. Teenage drivers pay the most at $3,444 a year or more.

Average premium for full coverage: $868

Premium estimates broken down by type of coverage:

Comprehensive $154
Collision $198
Liability $380

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all 9-3 models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Saab 9-3 go from the cheapest price of $428 for liability-only coverage to the much higher price of $1,858 for a driver that may need high-risk insurance.

Liability Only $428
Full Coverage $868
High Risk $1,858

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $651
Small Cities $911
Large Cities $1,172

These rate differences demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of using 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 Charts and Tables

The chart below details estimated Saab 9-3 insurance rates for other coverage scenarios.

  • The best discount rate is $527
  • Choosing higher $1,000 deductibles can save approximately $80 annually
  • The average price for a 40-year-old good driver who has $500 deductibles is $868
  • Using pricier low deductibles for comp and collision coverage costs an extra $154 every year
  • Unlucky drivers who are prone to accidents and violations could pay up to $1,858 or more
  • An auto insurance policy to insure a teen driver for full coverage can cost as much as $3,444 each year

View Chart as Image

Saab 9-3 insurance cost comparison chart
Column chart showing full coverage Saab 9-3 insurance prices range from $527 to $3,444

Auto insurance prices for a Saab 9-3 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Using high physical damage deductibles can save as much as $240 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $402 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $3,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,000 to $1,500 in extra premium annually, depending on your age. Saab 9-3 insurance for high-risk drivers ranges as much as 44% to 128% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Saab 9-3 insurance prices. A good driver about age 40 could pay as low as $630 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,170 on average in New York, Michigan, and Florida.

Saab 9-3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $786 -$82 -9.4%
Alaska $666 -$202 -23.3%
Arizona $720 -$148 -17.1%
Arkansas $868 -$0 0.0%
California $988 $120 13.8%
Colorado $828 -$40 -4.6%
Connecticut $890 $22 2.5%
Delaware $980 $112 12.9%
Florida $1,084 $216 24.9%
Georgia $802 -$66 -7.6%
Hawaii $624 -$244 -28.1%
Idaho $588 -$280 -32.3%
Illinois $648 -$220 -25.3%
Indiana $654 -$214 -24.7%
Iowa $584 -$284 -32.7%
Kansas $822 -$46 -5.3%
Kentucky $1,182 $314 36.2%
Louisiana $1,284 $416 47.9%
Maine $536 -$332 -38.2%
Maryland $718 -$150 -17.3%
Massachusetts $692 -$176 -20.3%
Michigan $1,506 $638 73.5%
Minnesota $728 -$140 -16.1%
Mississippi $1,040 $172 19.8%
Missouri $772 -$96 -11.1%
Montana $932 $64 7.4%
Nebraska $684 -$184 -21.2%
Nevada $1,042 $174 20.0%
New Hampshire $626 -$242 -27.9%
New Jersey $970 $102 11.8%
New Mexico $766 -$102 -11.8%
New York $912 $44 5.1%
North Carolina $500 -$368 -42.4%
North Dakota $710 -$158 -18.2%
Ohio $596 -$272 -31.3%
Oklahoma $890 $22 2.5%
Oregon $796 -$72 -8.3%
Pennsylvania $828 -$40 -4.6%
Rhode Island $1,156 $288 33.2%
South Carolina $788 -$80 -9.2%
South Dakota $732 -$136 -15.7%
Tennessee $760 -$108 -12.4%
Texas $1,046 $178 20.5%
Utah $642 -$226 -26.0%
Vermont $594 -$274 -31.6%
Virginia $518 -$350 -40.3%
Washington $672 -$196 -22.6%
West Virginia $796 -$72 -8.3%
Wisconsin $600 -$268 -30.9%
Wyoming $772 -$96 -11.1%

View Chart as Image

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

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different.

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 $838 $70
Saab 9-3 2.0T Station Wagon $854 $71
Saab 9-3 2.0T XWD 4-Dr Sedan $854 $71
Saab 9-3 Aero 4-Dr Sedan $868 $72
Saab 9-3 2.0T 2-Dr Convertible $972 $81
Saab 9-3 2.0T XWD Station Wagon $884 $74
Saab 9-3 Aero Station Wagon $884 $74
Saab 9-3 Aero XWD 4-Dr Sedan $884 $74
Saab 9-3 Aero 2-Dr Convertible $1,002 $84

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 $174 $224 $398 $932
2007 Saab 9-3 $172 $218 $390 $916
2006 Saab 9-3 $168 $208 $384 $896
2005 Saab 9-3 $154 $198 $380 $868

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 More Affordable Saab 9-3 Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a summary of the data that was covered above.

  • You may be able to save approximately $100 per year simply by quoting online well ahead of the renewal date
  • Policyholders who want higher liability limits will pay an extra $420 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
  • Teenagers are the costliest to insure, possibly costing $287 per month if comprehensive and collision insurance is included
  • Higher risk drivers who have multiple accidents or major violations may pay on average $990 more annually for car insurance

Rates by Driver Age

Saab 9-3 Insurance Rates by Driver Age
Driver Age Premium
16 $3,444
20 $1,976
30 $886
40 $868
50 $798
60 $782

Full coverage, $500 deductibles

Rates by Deductible

Saab 9-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,022
$250 $952
$500 $868
$1,000 $788

Full coverage, driver age 40

Rates by Liability Limit

Saab 9-3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $868
50/100 $1,091
100/300 $1,203
250/500 $1,493
100 CSL $1,136
300 CSL $1,381
500 CSL $1,560

Full coverage, driver age 40

Rates for High Risk Drivers

Saab 9-3 Insurance Rates for High Risk Drivers
Age Premium
16 $4,852
20 $3,142
30 $1,880
40 $1,858
50 $1,774
60 $1,756

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 $115

Potential Rate Discounts

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

Discount Savings
Multi-policy $44
Multi-vehicle $46
Homeowner $15
5-yr Accident Free $53
5-yr Claim Free $54
Paid in Full/EFT $32
Advance Quote $38
Online Quote $59
Total Discounts $341
Rate after discounts $527

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

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