Cheapest Saab Car Insurance (Nov 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Saab car insurance cost? 

Saab was a luxury brand bought out in 2012 that finished making new vehicles in 2014, but that doesn’t mean their cars are long gone or forgotten. Whether it’s the Saab 9-3 Aero or their 9-7X SUV, many Saab models are now considered classic cars. 
Subaru drivers pay an average of $888 per year for
auto insurance
—but every Subaru car insurance policy is unique. This number is just an estimate, there is no real ‘average’ cost of car insurance. Your price will depend entirely on your driver profile, which is why it’s so important to compare quotes.

How to find the cheapest Saab car insurance Quotes

We closely analyzed Saab insurance quotes from real Jerry customers to help us generate accurate, personalized quotes for you.
Jerry has helped hundreds of drivers to find cheap car insurance. Check out some of our recent quotes below!

The best car insurance companies for Saab drivers

shopping for car insurance
, it’s not about buying the cheapest insurance. You want the right coverage that fits both your needs and your vehicle.
While we can’t declare the best provider for everyone, we can help you find great choices based on your circumstances. The best insurance for you will depend on your driving record, location, insurance history, and age along with the Saab you own.
Still, it can help to see what other Saab drivers pay for their insurance, so check out the chart below to get an idea of what to expect:

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
State Farm
Liberty Mutual

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Safeco was able to save me $70 monthly to ensure my 2 cars, very satisfied!
Great customer service.
Excellent help pretty accurate quote
Was easy to switch and was very affordable

Are Saabs more expensive to insure?

Saabs are 36% less average for insurance costs compared to other cars, but you get a surprisingly affordable luxury car without having to work extra hours just to cover the insurance.
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost

Cheapest Saabs to insure

Fortunately, some models don’t cost as much for insurance. The cheapest Saab to insure is the 2010 Saab 45172, with an average monthly premium of $27 for state minimum coverage and an average of $52 for full coverage. 

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost

Most expensive Saabs to insure

The highest premium you’ll see for a Saab model is the Saab to insure is the 2010 Saab 45172, with an average monthly premium of $27 for state minimum coverage and an average of $52 for full coverage. 

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
Remember that the details of your driving record, where you live, if you have a more expensive model, and other factors affect how much you pay for insurance. Compare several car insurance quotes to learn what to expect when pricing plans before making your final choice.

What factors affect Saab car insurance rates?

Multiple factors change
how car insurance is calculated
, such as:
  • Vehicle cost:
    Collision coverage
    comprehensive coverage
    are typically lower for older vehicles than new ones, but Saab models’ status as luxury cars could prevent you from obtaining a lower premium. 
  • Vehicle age: Since Saabs are older or used models, your premium will reflect that in your favor.
  • Cost of parts: Replacement parts were imported from Europe and Saabs are no longer manufactured, so you could face an increased premium.
  • Your age: If you are under 25, you’ll see a higher rate since you have less driving experience. Inversely, senior drivers also pay higher insurance rates from age 70 on due to higher risk.
  • Your driving record and claims history: A
    good driving record
    helps you save money on insurance costs, but having a history of accidents or other violations will cost you.
  • Where you live: Places with higher crime and more accidents, like New York City, lead to higher costs for insurance.
Here are some other factors that affect auto insurance rates for the Saab:
  • Materials: Saabs used more expensive parts since they were imported, though you might have some luck with refurbished options.
  • Safety: Saabs are generally considered safe, scoring ratings of 4 out of 5 for most safety tests, and they’ve been known to actually prevent serious injuries in real accidents, so insurance providers consider them less risky. 
  • Reliability: Saabs land in the average range of reliability ratings, but you might run into the usual wear and tear issues since they are older vehicles.
  • Brand: Saab is still considered a luxury brand. That and their status as imported vehicles can up your cost for insurance, even though they are older cars.

Saab insurance cost for young drivers

If you’re a
teen driver
between 16 and 19, you’ll have to pay more for insurance compared to other age groups. If you are a teenager with a Saab, consider
full coverage
to offset the higher accident rate.

Saab insurance cost for senior drivers

On the other side of life, expect car insurance bills to rise after retirement, usually around age 70. Increased accident rates for older drivers mean
senior drivers' auto insurance premiums
often go up. Seniors are also more likely to be seriously injured, which results in extra medical bills. Auto insurance companies consider this a higher risk and offset their costs by charging you more.
While your age affects your insurance rates, a number of other factors also play a role in determining how much you’ll pay to protect your vehicle. That’s why shopping for personalized insurance quotes is the best way to know what you can expect to pay for car insurance.

Saab insurance cost for drivers with driving violations 

Your driving record affects your Saab insurance rate. If you have no driving violations or at-fault accidents, you’ll pay a lot less, but expect higher premiums if you've had any of the following in the last three to five years:
  • At-fault accidents
  • DUIs
  • Driving on a suspended license
  • Reckless driving
  • Speeding tickets

Cheapest car insurance for Saab drivers with speeding tickets

One speeding ticket usually won’t hit your insurance too hard, but multiple tickets or extreme speeding can negatively affect your rates. Find out how Jerry can still help Saab drivers find good insurance options even if they have a few tickets.

Cheapest car insurance for Saab drivers with a DUI record

Having a
DUI conviction on your record
will hurt your auto insurance premiums, but different companies charge you a different rate based on a DUI, so you’ll want to look around. Finding the best car insurance policy requires comparing quotes from multiple insurance companies–fortunately, Jerry can help you with that process.

Cheapest car insurance for Saab drivers after an accident

Your insurance prices are also tied to your accident and claims history. Expect an increase in your car insurance rates if you were involved in an at-fault accident or filed multiple claims. Jerry can help drivers save money on auto insurance regardless of their driving history.

Cheapest car insurance for Saab drivers with other driving violations on their record

Other moving violations also impact your insurance rates. If you are ticketed for reckless driving or
driving on a suspended license
, you’ll probably see a higher insurance bill. Here are some common driving violations that can up your rate, as well as how to find affordable auto insurance quotes. 

How can I lower the cost of my Saab car insurance?

There are ways to save money when insuring a Saab vehicle, no matter your age, driving history, and more. Here are a few options:  
  • Shop around:
    Compare costs and alternatives
    instead of just going with the top result on a web search. Jerry compares quotes from over 50 reputable companies so you get the best choices, and you can get free quotes in seconds. Jerry can even help you cancel your current insurance and switch to a new one if you'd like.
  • Opt for a less expensive model: Getting the most expensive model will add to your insurance, though the fact that Saabs are now used vehicles helps you.
  • Bundle your insurance policies:
    Bundling homeowners and auto insurance
    with the same provider often means a discount on insurance. 
  • Participate in a telematics program: Some companies offer programs to track your driving habits with technology. You could earn a discount on your premium if you demonstrate safe driving skills.
  • Reduce your coverage: Since Saabs are older, consider
    cutting back on coverage
    to save money.
  • Raise your deductible: Increasing your official deductible can save you on insurance premiums–just don’t go so high that you can’t pay the deductible you set.


Since your Saab is at least a decade old, you don’t need to pay top dollar for the best, most expensive insurance plan out there. Consider
lowering your coverage
if you have full coverage or look at getting the state minimum. Of course, keep in mind that the state minimum usually is about paying for the other driver’s bills, not your own, so take that into consideration before you drop full coverage.
They are about average when it comes to repair costs. However, since Saab stopped manufacturing vehicles almost a decade ago, that can make it more difficult to find replacement parts, which can add to your costs. You can look for refurbished parts as a way to save money, though you’ll also need to find a mechanic familiar with the brand. Saabs have a good reputation for reliability, but even the best car will start to run into problems as it ages.
Since Saabs are used or older cars by default, that can save you money on your premium. However, they are still classified as a luxury brand, so that will increase your rate. You can expect to pay around $139 if you need full coverage or $74 if you stick with the state minimum.
Overall, you will pay around $74 per month or $888 per year if you have a Saab. Of course, things like which model and trim you own, the state you live in, your age, and if you have a good driving record also affect your rate.


The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.