Saturn Vue Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 2, 2023
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Average auto insurance rates for a Saturn Vue are $876 annually including full coverage. Comprehensive insurance costs approximately $132, collision costs $144, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $1,874 or more. Teenage drivers receive the highest rates at $3,604 a year or more.
Average premium for full coverage: $876
Rate estimates by individual coverage type:
Price estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all Vue models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $496 for minimum levels of liability insurance to the much higher price of $1,874 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance prices.
These examples highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, 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 estimated Saturn Vue insurance rates for additional coverage and risk scenarios.
- The best discount rate is $546
- Raising to $1,000 deductibles will save $64 every year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $876
- Using pricier low deductibles costs an additional $118 annually
- Drivers who are prone to accidents and violations could pay around $1,874 or more
- The cost with full coverage for a 16-year-old driver for full coverage can cost $3,604
Auto insurance rates for a Saturn Vue can also vary considerably based on the trim level of your Vue, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $800 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,000 to $1,500 in extra premium per year, depending on your age. Saturn Vue insurance for high-risk drivers is expensive and can cost from 42% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $190 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Saturn Vue insurance prices. A middle-age driver might find rates as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,250 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $794 | -$82 | -9.4% |
| Alaska | $674 | -$202 | -23.1% |
| Arizona | $730 | -$146 | -16.7% |
| Arkansas | $876 | -$0 | 0.0% |
| California | $998 | $122 | 13.9% |
| Colorado | $838 | -$38 | -4.3% |
| Connecticut | $902 | $26 | 3.0% |
| Delaware | $992 | $116 | 13.2% |
| Florida | $1,098 | $222 | 25.3% |
| Georgia | $808 | -$68 | -7.8% |
| Hawaii | $630 | -$246 | -28.1% |
| Idaho | $594 | -$282 | -32.2% |
| Illinois | $652 | -$224 | -25.6% |
| Indiana | $660 | -$216 | -24.7% |
| Iowa | $590 | -$286 | -32.6% |
| Kansas | $834 | -$42 | -4.8% |
| Kentucky | $1,196 | $320 | 36.5% |
| Louisiana | $1,298 | $422 | 48.2% |
| Maine | $540 | -$336 | -38.4% |
| Maryland | $724 | -$152 | -17.4% |
| Massachusetts | $702 | -$174 | -19.9% |
| Michigan | $1,524 | $648 | 74.0% |
| Minnesota | $732 | -$144 | -16.4% |
| Mississippi | $1,050 | $174 | 19.9% |
| Missouri | $778 | -$98 | -11.2% |
| Montana | $942 | $66 | 7.5% |
| Nebraska | $692 | -$184 | -21.0% |
| Nevada | $1,050 | $174 | 19.9% |
| New Hampshire | $632 | -$244 | -27.9% |
| New Jersey | $980 | $104 | 11.9% |
| New Mexico | $778 | -$98 | -11.2% |
| New York | $926 | $50 | 5.7% |
| North Carolina | $504 | -$372 | -42.5% |
| North Dakota | $718 | -$158 | -18.0% |
| Ohio | $608 | -$268 | -30.6% |
| Oklahoma | $902 | $26 | 3.0% |
| Oregon | $804 | -$72 | -8.2% |
| Pennsylvania | $836 | -$40 | -4.6% |
| Rhode Island | $1,170 | $294 | 33.6% |
| South Carolina | $794 | -$82 | -9.4% |
| South Dakota | $742 | -$134 | -15.3% |
| Tennessee | $770 | -$106 | -12.1% |
| Texas | $1,056 | $180 | 20.5% |
| Utah | $650 | -$226 | -25.8% |
| Vermont | $600 | -$276 | -31.5% |
| Virginia | $526 | -$350 | -40.0% |
| Washington | $678 | -$198 | -22.6% |
| West Virginia | $804 | -$72 | -8.2% |
| Wisconsin | $608 | -$268 | -30.6% |
| Wyoming | $782 | -$94 | -10.7% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Saturn Vue XE 2WD | $846 | $71 |
| Saturn Vue XR 2WD | $860 | $72 |
| Saturn Vue XR-L 2WD | $876 | $73 |
| Saturn Vue XR AWD | $890 | $74 |
| Saturn Vue XR-L AWD | $906 | $76 |
Rates assume 2006 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 |
|---|---|---|---|---|
| 2009 Saturn Vue | $152 | $166 | $460 | $936 |
| 2008 Saturn Vue | $150 | $160 | $452 | $920 |
| 2007 Saturn Vue | $138 | $152 | $446 | $894 |
| 2006 Saturn Vue | $132 | $144 | $442 | $876 |
Rates are averaged for all Saturn Vue 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 Cheaper Saturn Vue Insurance
Saving money on insurance for a Saturn Vue consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to shop around every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.
The following is a condensed summary of the information raised in the charts and tables above.
- You may be able to save around $90 per year simply by quoting online well ahead of the renewal date
- Teens have the highest car insurance rates, as much as $300 per month if full coverage is included
- Increasing deductibles could save up to $175 each year
- Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,000 more per year for Vue insurance
- Insureds who purchase higher liability limits will pay an extra $490 per year to raise from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,604 |
| 20 | $1,996 |
| 30 | $886 |
| 40 | $876 |
| 50 | $806 |
| 60 | $788 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $994 |
| $250 | $940 |
| $500 | $876 |
| $1,000 | $812 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $876 |
| 50/100 | $994 |
| 100/300 | $1,105 |
| 250/500 | $1,392 |
| 100 CSL | $1,039 |
| 300 CSL | $1,282 |
| 500 CSL | $1,459 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,048 |
| 20 | $3,176 |
| 30 | $1,882 |
| 40 | $1,874 |
| 50 | $1,794 |
| 60 | $1,774 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $43 |
| Multi-vehicle | $47 |
| Homeowner | $16 |
| 5-yr Accident Free | $49 |
| 5-yr Claim Free | $53 |
| Paid in Full/EFT | $29 |
| Advance Quote | $36 |
| Online Quote | $57 |
| Total Discounts | $330 |
Discounts are estimated and may not be available from every company or in every state.
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