Saturn Vue Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 20, 2022

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Average insurance rates for a Saturn Vue are $876 a year for full coverage. Comprehensive costs on average $132 a year, collision costs $144, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,874. Teen drivers receive the highest rates at $3,604 a year or more.

Average premium for full coverage: $876

Rate estimates by individual coverage type:

Comprehensive $132
Collision $144
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Vue trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $1,874 for a high risk driver.

Liability Only $496
Full Coverage $876
High Risk $1,874

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $657
Small Cities $920
Large Cities $1,183

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying 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.

Insurance Rate Analysis

The chart below shows estimated Saturn Vue insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $546
  • Drivers who choose higher $1,000 deductibles will pay around $812 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $876
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $994
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,874 or more
  • The cost for full coverage for a teen driver may cost $3,604 a year

View Chart as Image

Saturn Vue insurance cost comparison chart
Column chart showing full coverage Saturn Vue insurance rates range from $546 to $3,604

for a Saturn Vue can also vary considerably based on your driver profile, the trim level of your Vue, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $800 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,600 a year. View Rates by Age

Where you live makes a big difference in Saturn Vue insurance rates. A 40-year-old driver could pay as low as $580 a year in states like Idaho, Maine, and Iowa, or as much as $1,250 on average in Michigan, Louisiana, and New York.

Saturn Vue Insurance Rates by State
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%

View Chart as Image

Saturn Vue insurance rates by U.S. city

Choosing high deductibles could save up to $190 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,000 to $1,500 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 127% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Saturn Vue Insurance Rates by Model and Trim Level
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 2002 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.

Saturn Vue Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2009 Saturn Vue $182 $228 $478 $1,046
2008 Saturn Vue $170 $210 $474 $1,012
2007 Saturn Vue $160 $190 $474 $982
2006 Saturn Vue $154 $170 $468 $950
2005 Saturn Vue $152 $166 $460 $936
2004 Saturn Vue $150 $160 $452 $920
2003 Saturn Vue $138 $152 $446 $894
2002 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 Find Cheaper Saturn Vue Insurance

Saving money on Saturn Vue insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $175 each year
  • Drivers can save as much as $90 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $300 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,000 more each year for insurance

Rates by Driver Age

Saturn Vue Insurance 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

Saturn Vue Insurance Rates with Different Deductibles
Deductible Premium
$100 $994
$250 $940
$500 $876
$1,000 $812

Full coverage, driver age 40

Rates by Liability Limit

Saturn Vue Insurance Rates with Different Liability Limits
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

Saturn Vue Insurance 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.

SR-22 Surcharge $114

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
Rate after discounts $546

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

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