Best Car Insurance for Saab 2022

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Car Insurance for Saab

On average, Saab drivers pay $1,007 each year for car insurance. But depending on the model you have, your insurance rates could vary. A 9-3 2.0T costs $1,387 less more per year to insure than a 9-5 Aero.
Swedish carmaker Saab has a reputation for creating well-performing, fuel-efficient vehicles. The last Saab rolled off the production lines in 2014, but there are still a fair number of Saab cars in circulation in the used car market.
Whether you’re still taking good care of your Saab or looking to bring a used one home, it’s important that you keep it protected with the right car insurance policy.
Your insurance will be based on the model you choose, along with factors unique to you.
Fortunately, the car insurance super app Jerry can help you find the best prices for the coverage you need. In just 45 seconds, Jerry will find you quotes from over 50 top insurance companies, so you know you’re always getting the best price for the coverage you need.
Here are some real quotes from Jerry customers who saved money when insuring their Saab.
Quote DateCarLocationZip CodeNameAgeCarrier
Before Jerry
After Jerry
February 13, 2022Saab 9-3Hinesville, GA31313Samuel E.31Clearcover$100/mo.$70/mo.
August 15, 2021Saab 9-3 SEDundalk, MD21222Victoria G.30Electric$156/mo.$71/mo.
February 25, 2022Saab 9-3 ArcSchenectady, NY12304Bryan C.31Progressive$146/mo.$82/mo.
April 15, 2021Saab 9-5 2.3TPrinceton, WV24740Marian S.27Progressive$133/mo.$82/mo.
December 5, 2020Saab 9-3 AeroAnkeny, IA50023Alvin D.20Progressive$200/mo.$158/mo.
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Insurance for Saab models

While they’re all the same brand, different Saab cars will net you different insurance premiums depending on their age and model.

Insurance for Saab based on the year of the car

While Saabs hold their value well, they’ll still depreciate as they age. In fact, most cars lose 60% of their value by the time they reach five years of age, according to Edmunds.
Since older cars have lower maintenance and replacement costs, they’ll be cheaper to insure than newer cars with higher value.
According to Jerry’s internal data, the cheapest years for Saabs are 1997 and 2011.
The most expensive years for Saabs are 2008 and 2007.
Year
Average Cost
Annual Savings with Jerry
2011$1,280$404Compare Prices
2010$2,568$1,330Compare Prices
2009$1,290$391Compare Prices
2008$2,219$630Compare Prices
2007$1,613$267Compare Prices
2006$1,539$405Compare Prices
2005$2,132$800Compare Prices
2004$1,556$344Compare Prices
2003$1,505$398Compare Prices
2001$1,873$539Compare Prices
2000$1,896$602Compare Prices
1999$1,872$793Compare Prices
1997$2,600$1,773Compare Prices
Key Takeaway Older Saabs typically cost less to repair or replace than newer ones and may not be leased or financed, so they tend to have lower insurance premiums.
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Insurance for different models of Saab

Even more important than a car’s exact age is its model. Generally speaking, sedans and compact SUVs with lower price tags, lower repair costs, and higher safety ratings will cost less to insure than more expensive large SUVs and sporty coupes.
For example, the 9-3 costs less to insure than the Saab average. While it’s a borderline luxury sedan, this car’s all-wheel drive enhances its safety, and its size makes for relatively inexpensive repairs.
If you want to learn more about car insurance costs for some of the most popular Saab models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
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Full coverage vs. minimum coverage for your Saab

In most states, you are required to have minimum liability coverage before hitting the road. This coverage protects other cars and drivers if you cause an accident but doesn’t cover damages to your vehicle.
Typical coverages required by state law include:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Some states also require uninsured or underinsured motorist protection to cover damages if you’re in an accident with an uninsured or underinsured driver. Your state may also require personal injury protection (PIP) to pay for your medical expenses—especially if you live in a **no-fault state.
While your state minimums are a good place to start, it’s highly recommended that you purchase additional (optional) coverage if you can afford it.
Full-coverage insurance can help cover your bases. Full coverage typically includes the following:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism
The average annual insurance premium for a Saab is $1,593 per year for minimum car insurance and -- for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,627 per year for minimum car insurance and $2,297 for full-coverage insurance.
Here’s what it costs to insure a Saab with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Saab$1,442$1,053$1,469$1,076--
Saab
All Coverage Before Jerry
$1,442
All Coverage After Jerry
$1,053
Minimum Coverage Before Jerry
$1,469
Minimum Coverage After Jerry
$1,076
Full Coverage Before Jerry
-
Full Coverage After Jerry
-
More expensive or luxury makes are more expensive to insure than budget-class brands. Since Saabs are premium vehicles, they have a higher average insurance price than, for instance, Hondas. Compared to other premium brands, Saabs cost a little more to insure, costing a few more hundred dollars than Mazdas and Lexus per year. If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Saab

After reviewing your car’s make, model, and age, you’ll need to consider that your car’s customization and your personal demographics will also play a role in how much your insurance costs.

Your Saab’s trim level

Most car models come in various trim levels, which are versions that include different features, and a higher-level trim will cost you pricier insurance premiums.
For instance, the 9-3 comes in Linear, Arc and Aero trims, each of which adds a few thousand dollars to the car’s purchase price—which accordingly increases your insurance prices.

Your insurance company

With so many insurance providers to choose from, you may not know where to start looking. Each insurance provider uses its own formula to calculate rates, so different providers will charge different amounts for the exact same vehicle.
So, it’s best to shop around for quotes if you’re intent on getting the best deal on coverage for your Saab.
Jerry makes the process easy as can be. After a 45-second sign-up, you’ll get to compare dozens of competitive quotes, and once you find a policy you like, Jerry will even do the hard work of helping cancel your old policy and register for your new one. Here’s what Saab drivers paid for car insurance before and after switching with Jerry:
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Your age

It comes to some drivers as a surprise that your age plays a large role in determining your insurance rates.
The youngest drivers (under 25) pay the highest insurance rates since insurers consider them high-risk for getting into accidents.
As drivers age, they gain more experience, so they’re considered lower in accident risk.

Your driving record

One of the hardest ways to obtain affordable car insurance is to exhibit poor driving behavior.
If you have a history of violations on your driving record, you’ll have to pay higher rates—especially for major offenses like DUIs.
Fortunately, bettering your driving or taking defensive driving courses could end up saving you money on your car insurance for your Saab—even with a bad record.
Here are some common insurance premiums for Saab drivers with previous infractions:
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Where you live

Your location is another main determinant of your car insurance premiums for a Saab.
If you move from a quiet suburb to a busy city, even if you keep the same car, your insurance rates will increase.
Insurers consider things like a city’s accident rates and property crime rates when assessing their risk of making a payment.
Finally, your area’s susceptibility to severe weather can greatly affect your premiums.
In areas where massive amounts of property damage are more likely to occur due to hurricanes, tornadoes, and the like, insurers anticipate higher financial losses and will charge higher premiums upfront. According to our data, there is a high percentage of Saab drivers in cities including Schenectady (NY), Orlando (FL), Hinesville (GA), Vero-Beach (FL) and Zephyrhills (FL). The cheapest car insurance for Saab for Jerry users is in Willingboro (NJ) and Bedford (MA). The most expensive car insurance for Saab for Jerry users is in Oxford (GA) and Orlando (FL).
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Regardless of where you live, your demographics, or the model of Saab you drive, you can find the best rates on car insurance by shopping with Jerry.
Jerry is a car insurance broker that lives in your pocket—but no need to buy him tiny office furniture. Jerry is an app! Choose from dozens of competitive quotes to maximize your savings. Oh—and did we mention Jerry’s comparison shopping is free?

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