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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The average auto insurance rates for a Saturn Vue are $876 annually for full coverage. Comprehensive insurance costs approximately $132, collision costs $144, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $1,874 or more. 16-year-old drivers cost the most to insure at $3,604 a year or more.
Average premium for full coverage: $876
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Vue trim levels.
Price Range Variability
Using a middle-aged driver as an example, Saturn Vue insurance rates go from as cheap as $496 for just the minimum liability insurance to a much higher rate of $1,874 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than congested cities.
The price range example below illustrates how where you live affects auto insurance prices.
The examples above show why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on rate 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.
Additional Rate Analysis
The chart below shows estimated Saturn Vue insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $546
- Choosing higher $1,000 deductibles can save $64 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $876
- Buying more expensive low deductibles for comp and collision coverage costs an additional $118 a year
- High-risk insureds with multiple tickets or accidents could pay around $1,874 or more
- Policy cost with full coverage for a teen driver with full coverage can cost $3,604 each year
Insurance rates for a Saturn Vue also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,000 to $1,500 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $190 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
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 at least $1,250 on average in New York, Louisiana, 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% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, and rates will be varied 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 the Best Cheap Saturn Vue Insurance
Finding cheaper rates on Saturn Vue insurance takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a quick review of the ideas that were touched on in the above illustrations.
- Teenagers are the costliest to insure, costing up to $300 each month if they have full coverage
- High-risk drivers with a DUI or reckless driving violation pay on average $1,000 more per year for car insurance
- Increasing comprehensive and collision deductibles could save up to $175 each year
- Drivers can save around $90 per year simply by shopping early and online
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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