Cheapest Saturn 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 Saturn car insurance cost? 

From 1990 to 2010, Saturn produced reliable, quality vehicles with a business model focused on customer satisfaction. From compact cars to station wagons and crossover SUVs, Saturn’s vehicle lineup offers a mix of comfort and fuel efficiency at a price point that won’t break the bank. 
On average, Saturn drivers pay $1,056 annually for
car insurance
. With those numbers, Saturn drivers tend to pay 28% less than the national average. 
But since every Saturn driver is different, your insurance premium will vary based on a variety of factors. That means there is no actual “average”
car insurance quote
, and rates vary from person to person. The only way to truly understand how much your car insurance will cost is to compare car insurance quotes.

How to find the cheapest Saturn car insurance quote?

Jerry is dedicated to helping drivers find the best auto insurance rates by comparing dozens of personalized quotes to save you time and money. Jerry has helped 2496 Saturn drivers find an average savings of $1,522 on car insurance!
Check out the table below for some real examples. 

The best car insurance companies for Saturn drivers

As you
shop for car insurance
, it’s critical that you search for the right company for both you and your car. 
The best insurance provider for you will depend on your driving history, location, age, and claims record. Because of this, there is no single best insurer for everyone. Here at Jerry, we conducted the largest insurance survey in the nation to help you compare providers and choose the best insurance policy for you. 
The table below contains real ratings from Saturn drivers just like you.

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 4,000,000 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:
State Farm
I've looked at 20 or different auto insurances and they had the best prices for what I needed! They also explained and answered all my questions amazingly.
Great deal for full coverage insurance!
Needed to make adjustments to my finances and expenses. Saved me money and time
Good towing services.

Are Saturns more expensive to insure?

Compared to the average cost of other cars, Saturn vehicles cost 28% less to insure. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost

Cheapest Saturns to insure

The Saturn model with the cheapest insurance rate is the 2010 Saturn Outlook, with an average monthly premium of $56 for minimum liability coverage and $75 for full coverage. 

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

Most expensive Saturns to insure

The most expensive Saturn model to insure is the 2010 Saturn Outlook, with an average monthly premium of $56 for minimum liability coverage and $75 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
Keep in mind that the cheapest coverage option depends on many factors, including your car model year, your age, your driving record, and your insurance history. Shopping around and comparing quotes from various auto insurance companies is the most effective way to find the best rates. 

What factors affect Saturn car insurance rates?

Many factors affect
how car insurance is calculated
, including the following: 
  • Vehicle age. New cars typically have higher insurance costs due to greater values and more expensive technology. 
  • Vehicle cost. Expensive vehicles, like luxury and sports cars, tend to be more expensive to insure than entry-level economy cars. 
  • Parts cost. Pricier vehicles tend to have more expensive replacement parts. This can cause your insurance rates to climb. 
  • Your age. Drivers under the age of 25 tend to pay the steepest insurance rates. Older drivers in their 70s usually pay the second highest rates out of all age groups. 
  • Your driving record and insurance claims history. If you have a history of accidents or insurance claims, you should expect to pay a steeper premium. On the other hand, if you have a clean record, your rates will typically be on the lower end. 
  • Where you store your car. Your insurance rate also depends on the location in which you park your car. Parking outside comes with higher theft and vandalism risks, which will increase your insurance rates. 
Your Saturn insurance rates may also depend on the following factors:
  • Availability of parts. Because Saturn cars are no longer in production, it may be difficult to acquire certain replacement parts. This can lead to increased insurance costs.
  • Price. Saturn vehicles tend to be inexpensive, which can reduce your monthly insurance bill.
  • Age. Saturns are no longer in production, meaning that only older, used Saturns are on the road today. Driving an older used car can help keep your insurance costs low. 

Saturn insurance cost for young drivers

Teen drivers
between the ages of 16 and 19 pay the most expensive insurance rates out of any age group. Experts recommend full coverage for teens who own their own cars because teenagers are substantially more likely to be involved in a crash than more experienced older drivers. 

Saturn insurance cost for senior drivers

Insurance costs start to go back up when drivers reach their mid-70s.
Car insurance rates for seniors
tend to be high because older drivers are statistically more likely to be involved in accidents. Additionally, seniors are more prone to serious injury when involved in a crash, raising medical expenses and insurance rates. 

Saturn insurance cost for drivers with driving violations 

Your driving record will play a prominent role in your Saturn car insurance rate. If you have a clean record with no at-fault accidents, you can expect a lower monthly premium. On the other hand, you should expect to pay a higher rate if you have any of the following offenses on your record:
  • Speeding tickets
  • DUIs
  • At-fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Saturn drivers with a speeding ticket

A single speeding ticket for traveling less than five miles over the limit is unlikely to raise your insurance rates significantly. However, multiple tickets or one criminal speeding ticket can cause your rates to skyrocket. Jerry is proud to help Saturn drivers with speeding tickets of varying severities find affordable car insurance. 

Cheapest car insurance for Saturn drivers with a DUI

If you have a
DUI conviction
on your record, your insurance quotes are likely to vary from company to company. To find the right coverage at the best rate, you should compare multiple companies and their offerings. Jerry has a detailed history of helping Saturn drivers with DUI convictions find cheap car insurance. 

Cheapest car insurance for Saturn drivers after an accident

Two of the most critical factors influencing your insurance rates are your accident and claims history. If you’ve caused an accident in the recent past, your rates will most likely rise. Here at Jerry, we’ve helped many Saturn drivers find low rates after accidents. 

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

Outside of DUIs and speeding tickets, other driving offenses, like reckless driving and
driving on a suspended license
, can cause your rates to rise. Below, we put together a list of various driving violations and how we’ve helped Saturn drivers with these violations save on their car insurance.

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

There are several ways you can lower your Saturn insurance rates. 
  • Compare rates. The best way to find the most affordable rate is by
    shopping around for insurance coverage
    . Jerry makes the shopping process simple by showing you free quotes from over 50 of today’s top insurers. 
  • Bundle your insurance plans.
    Bundling your homeowners and auto insurance
    with the same company is an excellent way to reduce your monthly bill. 
  • Participate in a telematics program. Many insurance providers offer
    insurance discounts
    for participating in a telematics program. These programs track your driving habits and reward safe drivers. 
  • Raise your deductible. Your deductible is the amount you must pay out of pocket before the insurance company will start paying on a claim. Raising this number can lower your monthly premium. 
  • Reduce your coverage. Older cars don’t require the same level of protection as new vehicles. If you drive an older car, you might be able to cut down on your insurance costs by
    reducing your coverage
  • Purchase a used car. New cars are more expensive to insure than older ones. Driving a used Saturn is a great way to cut down on your monthly expenses. 


Saturns are no longer in production, meaning you’ll have to purchase a used Saturn. While known for their affordability and reliability, there are a couple of other factors you should consider before buying a used Saturn:
  • Resale value. Because Saturns are no longer in production, their resale value is low compared to other car makes. 
  • Parts availability. Saturn replacement parts may be hard to find due to the discontinuation of the Saturn brand. 
If you don’t plan on selling the car soon and aren’t concerned about the lack of available OEM parts, a used Saturn may be an excellent choice for you. 
Saturns are generally regarded as durable and reliable vehicles, often lasting for well over 100,000 miles. However, the exact lifespan of a given Saturn car will depend on several factors, including maintenance, driving conditions, and individual care. A properly maintained Saturn should last for many years, while a poorly cared-for Saturn may quickly deteriorate. 
Saturn stopped producing vehicles in 2009. Because of that, every Saturn on the road today is at least 14 years old and used. Older used cars tend to have significantly lower insurance costs than new vehicles.
Because of this, you should not expect your Saturn insurance to rise significantly over time. 
Insurance costs are based on a variety of factors, including the car’s age, model, and trim options. A more expensive or newer Saturn will likely cost more to insure, while an older model with less advanced tech will typically have lower insurance costs. 
On average, Saturn drivers pay $1,800 for full coverage annually and $1,056 for minimum liability coverage. But remember, those are averages—and the exact rate you’ll pay depends on a variety of factors, including your age, location, driving history, and car model. 


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.