Saab 9-3 Insurance Rates

Average auto insurance rates for a Saab 9-3 are $850 annually for full coverage insurance. Comprehensive costs an estimated $150 a year, collision costs $188, and liability costs $376. A liability-only policy costs as little as $426 a year, with high-risk insurance costing around $1,816. Teenage drivers receive the highest rates at $3,376 a year or more.

Average premium for full coverage: $850

Rate estimates broken down by individual coverage type:

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and 9-3 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on insurance prices.

These examples illustrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

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

• The best discount rate is $517
• Drivers who choose higher $1,000 deductibles will pay approximately $772 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $850
• Using low $100 deductibles for comprehensive and collision insurance will cost $994
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,816 or more
• The cost with full coverage for a teen driver can cost as much as $3,376 a year

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Insurance rates for a Saab 9-3 can also vary considerably based on the trim level of your 9-3, your risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $800 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $3,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,000 to $1,400 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 41% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $230 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Saab 9-3 insurance prices. A 40-year-old driver could pay as low as $560 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,150 on average in Florida, New York, and Michigan.

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With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, so the rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Right Saab 9-3 Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates once a year by quoting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the data that was covered in the above illustrations.

• It is possible to save approximately $90 per year simply by quoting early and online
• Policyholders who want more liability protection will pay an extra $410 annually to go from a minimum limit to higher 250/500 limits
• Youthful drivers are charged the highest rates, costing up to $281 per month including comprehensive and collision insurance
• Higher risk drivers with reckless driving or DUI convictions may pay on average $970 more annually than a low-risk driver