Saab 9-3 Insurance Rates
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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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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 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.
|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
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$52|
|5-yr Claim Free||$53|
|Paid in Full/EFT||$31|
Discounts are estimated and may not be available from every company or in every state.