Saab 9-3 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a Saab 9-3 are $850 a year including full coverage. Comprehensive costs approximately $150 each year, collision insurance costs $188, and liability costs $376. A liability-only policy costs as little as $426 a year, and high-risk insurance costs around $1,816. Teenage drivers receive the highest rates at up to $3,376 a year.

Average premium for full coverage: $850

Rate estimates by individual coverage type:

Comprehensive $150
Collision $188
Liability $376

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and 9-3 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as low as $426 for just liability coverage to a high rate of $1,816 for a driver that may need high-risk insurance.

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

Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance prices.

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

These examples highlight why all drivers should compare rates using their specific location and risk profile, 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.

Detailed Rate Analysis

The chart below breaks down average Saab 9-3 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $517
  • Drivers who choose higher $1,000 deductibles will pay $78 every year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $850
  • Using low deductibles for comprehensive and collision insurance will increase the cost to $994
  • Higher-risk drivers who are prone to accidents and violations could pay around $1,816
  • The cost for full coverage for a teen driver can cost $3,376 a year

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 rates for a Saab 9-3 can also vary considerably based on your driver profile, the model of your 9-3, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $800 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $3,300 a year. View Rates by Age

Where you live makes a big difference in Saab 9-3 insurance prices. A 40-year-old driver could pay as low as $650 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,210 on average in Louisiana, New York, and Michigan.

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 could save up to $230 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,000 to $1,400 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 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 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 $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 Find More Affordable Saab 9-3 Insurance

Saving money on car insurance not only requires having a good driving record, but also maintaining good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop once a year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The next list is a summary of the data that was touched on in the above illustrations.

  • You may be able to save around $90 per year just by quoting online in advance
  • Policyholders who purchase increased levels of liability coverage will pay an extra $410 per year to go from a minimum limit to 250/500 limits
  • Drivers age 20 and younger are expensive to insure, as much as $281 per month for full coverage
  • Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $970 more per year to buy Saab 9-3 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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles