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 insurance prices for a Saturn Vue are $876 every 12 months for full coverage insurance. Comprehensive costs an estimated $132 a year, collision costs $144, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing around $1,874. Teens receive the highest rates at $3,604 a year or more.
Average premium for full coverage: $876
Rate estimates broken down by individual coverage type:
Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Vue trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $496 for just the minimum liability insurance to a high of $1,874 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects insurance prices.
These examples illustrate why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.
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 Analysis
The chart below illustrates estimated Saturn Vue insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $546
- Choosing higher $1,000 deductibles can save approximately $812 each year
- The average price for a 40-year-old driver who has $500 deductibles is $876
- Selecting low $100 deductibles for comp and collision coverage increases the price to $994
- Higher-risk drivers with serious driving violations could pay up to $1,874 or more
- The cost to insure a 16-year-old driver can cost as much as $3,604 each year
Insurance rates for a Saturn Vue can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $190 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $3,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,000 to $1,500 extra per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 127% more than the average policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Saturn Vue insurance prices. A good driver about age 40 could pay as low as $580 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,190 on average in Florida, 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 only way to figure out which company is cheapest is to get quotes from multiple companies. Each auto insurer calculates rates differently, so the rates can be significantly different.
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 Shop for Affordable Saturn Vue Insurance
Saving money on insurance for a Saturn Vue takes being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every time your policy renews by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a brief review of the information touched on in the above illustrations.
- It is possible to save approximately $90 per year simply by quoting early and online
- Teenage drivers are charged the highest rates, costing up to $300 per month if they have full coverage
- Increasing deductibles could save as much as $175 each year
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,000 more annually for auto insurance
- Insureds who want higher levels of liability will pay approximately $490 annually to raise limits from a minimum limit to a 250/500 level
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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