Saturn Vue Insurance Rates

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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...

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UPDATED: Jun 2, 2023

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The average insurance prices for a Saturn Vue are $876 every 12 months for full coverage. Comprehensive insurance costs an estimated $132, collision insurance costs $144, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $1,874 or more. Teen drivers cost the most to insure at up to $3,604 a year.

Average premium for full coverage: $876

Policy rates broken down by type of insurance:

Comprehensive $132
Collision $144
Liability $442

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Vue trim levels.

Price Range Variability

For a driver around age 40, Saturn Vue insurance rates range from the cheapest price of $496 for a discount liability-only rate to a much higher rate of $1,874 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.

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

The examples above show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than using 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.

Rates by State, City, and Model

The chart below shows average Saturn Vue insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $546
  • Choosing higher $1,000 deductibles can save approximately $64 a year
  • The average price for a good driver age 40 who has $500 deductibles is $876
  • Choosing more expensive low deductibles for comp and collision coverage costs an extra $118 each year
  • Drivers with multiple violations and an at-fault accident could pay up to $1,874
  • Policy cost to insure a teenage driver with full coverage can cost as much as $3,604 each year

View Chart as Image

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

Insurance rates for a Saturn Vue also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing high deductibles can save as much as $190 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $3,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,000 to $1,500 additional every year, depending on your age. High-risk driver insurance ranges around 42% to 127% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Saturn Vue insurance rates. A good driver about age 40 could pay as low as $580 a year in states like Iowa, Maine, and Idaho, or as much as $1,250 on average in New York, Louisiana, and Michigan.

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

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 $170 $210 $474 $1,012
2008 Saturn Vue $160 $190 $474 $982
2007 Saturn Vue $154 $170 $468 $950
2006 Saturn Vue $152 $166 $460 $936
2005 Saturn Vue $150 $160 $452 $920
2004 Saturn Vue $138 $152 $446 $894
2003 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 Shop for More Affordable Saturn Vue Insurance

Finding cheaper rates on auto insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates at least once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following list is a summary of the primary concepts that were covered above.

  • Drivers can save approximately $90 per year just by shopping early and online
  • Drivers who have multiple accidents or major violations pay on average $1,000 more annually than a safer driver
  • Increasing comprehensive and collision deductibles could save as much as $175 each year
  • Drivers age 16 to 20 are expensive to insure, costing up to $300 each month if full coverage is included

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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