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

When 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 costs for popular Saab models

One factor that changes the cost of car insurance is the trim level and model year of your Saab. Let’s look at why the vehicle model affects your insurance:

• Safety features: The Saab brand was known for being extremely safe, and they have great safety ratings to back it up. Based on actual accident data, Saab owners had over 40% fewer injuries and deaths than other brands! Safety records like this help when it comes to insurance.
• Vehicle value: Saabs are classified as a luxury brand by insurers, which could raise your prices, but luxury is also why Saab is still famous!
• Vehicle class: A smaller class, like the 9-3 Aero, will be cheaper to insure than their 9-7X SUV, thanks to the difference in potential risk.
• Engine size: Smaller engines are less powerful and, therefore, safer, which lowers your price.
• Availability of replacement parts: Since all Saab vehicles were made in Europe and are no longer manufactured, your insurance company could charge you more for imported vehicles since replacement parts will be harder to find.
• Cost of repairs: Saabs are a defunct brand, so you can’t go to your local Saab dealer anymore for repairs, but you will also need someone who can fix luxury cars. Your insurer will consider this when ringing up that premium rate.

Let’s look at the average cost for insurance on Saab models:

Be aware that you can’t legally drive unless you have your state’s minimum insurance coverage, which usually means basic liability insurance and will include coverage for both bodily injury and property damage liability. Some states also required uninsured/underinsured motorist coverage and personal injury protection.

In the case of a luxury brand like Saab, however, you might want to consider full-coverage insurance for collision and comprehensive coverage. Your own bills aren’t taken care of with the state minimum, so you need extra options like full coverage if you want insurance to help you in case of an accident.

On the other hand, your Saab will be an older car, so you might want to lower your coverage since the value will go down as the car ages. Research coverage options to find the best fit for you.

While knowing averages may be helpful, the best way to get an accurate idea of how much you can expect to spend on car insurance is to shop around for insurance quotes. Jerry makes insurance shopping simple, generating you quotes from over 50 top insurance providers in seconds.

Saab 9-3 insurance costs

This Saab ceased to exist as a car manufacturer in 2012, but it’s still popular with drivers. If you’re looking for a good starting point for the Saab brand, the 9-3 is it. You’ll pay an average of $0 per month for full coverage and $67 per month if you go with the state minimum.

Let’s look at your options regarding the final 2012 trim levels:

• FWD base: You’ll get a 2.0-liter turbocharged four-cylinder engine with 220 horsepower, paired with either an automatic or manual transmission. The luxury brand extras show up in features like headlight washers, heated seats, and leather trim.
• XWD (Turbo): This offers pretty much the same specs as the base model as far as the engine and luxury seating, but it bumps you up a level with some fancy extras like twin exhaust pipes and special detailing on the exterior.
• Convertible: The biggest appeal of this trim is the convertible part–you can drive with the top down for a bit of extra luxury.

This is the more down-to-earth version of the Saab sedan–still a luxury ride, but not quite as popular as its twin, the Aero.

Here’s how much you might expect your cost to change based on the trim level of your car:

That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:

Saab 9-3 Aero insurance costs

This is probably the most popular of Saab’s old lineup. The Aero is considered one of the most desirable Saabs, so it’s more in demand than other models.

The Aero name is a tip of the hat to Saab starting out as an airplane manufacturer, and if you want to take off with this sedan, let’s look at your options:

• FWD base: You’ll get the same 2.0-liter turbocharged four-cylinder engine with 220 horsepower as the regular 9-3, and you can still look for either the automatic or the manual transmission. You also get extras like headlight washers, heated seats, and leather trim, but the main attraction is the moonroof and the upgrade on the sound system.
• XWD (Turbo): Again, this has the same specs as the Aero base model for the engine, luxury seating, and of course, the bonus moonroof, but this trim adds special detailing.
• Convertible: You can probably guess the bonus for this trim–yep, it’s about that convertible appeal. If you want a luxury convertible, this is a good option.

Here’s how much you might expect your cost to change based on the trim level of your car:

That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:

Cheap quotes Jerry found for Saab drivers

Saab 9-5 insurance cost

If you’re looking for something a bit beefier in a Saab, then you’ll like the Saab 9-5, a midsize car that gives you more power behind the wheel and a bigger frame.

Let’s look at all the options you have for trims:

• Turbo FWD: This is the starter pack of the 9-5, and you get a 2.0-liter Turbocharged four-cylinder engine that puts out 220 horsepower and a choice between manual or automatic transmission. You also get an 8-inch touch screen, leather seating, a moonroof, and a backup camera, though the original owner might have added several of the packages to pile on the extras.
• Turbo XWD: You get a similar setup as the FWD, though you don’t have the option of a manual transmission with this trim. There are a few more minor differences as well, like the absence of folding side mirrors and voice recognition.
• Aero XWD: This is the top-of-the-line version of the 9-5, as you can probably guess. The biggest difference is the engine, with a 2.8-liter, turbo V6 motor that gives you 300 horsepower. Everything else remains pretty much the same.
• Wagon Aero XWD: This has the Aero’s better engine, but it’s the wagon version of the vehicle for the luxury mom-and-pop retro ride.

If you want a Saab with more elbow room or a bigger engine, the 9-5 could be a good choice–it gives you the basic look and feel of the Saab, but you have more space and a heftier engine, depending on the trim.

Here’s how much you might expect your cost to change based on the trim level of your car:

That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:

Cheap quotes Jerry found for Saab drivers

Saab 9-7X insurance costs

If you want an SUV and a Saab, the 9-7X is the model you need. You get to combine a luxury brand with more power and room, making it a great choice for families or those who want to add an upscale touch to trips.

The trim options for the 9-7X are fewer but distinct enough to give you choices:

• AWD 4.2i: You get a 4.2-liter V6 engine with 285 horsepower and automatic transmission for this trim. You get a sunroof, exterior luggage rack, leather seating, and power-adjustable seats as well.
• AWD 5.3i: The engine gets a boost with a 5.3-liter V8 engine with 300 horsepower—so a modest increase in power. The other features match those of the AWD 4.2i, so the focus is on the engine itself.
• AWD Aero: Yep, the engine gets an even bigger boost with a 6.03-liter V8 engine for 390 horsepower, plus some upgrades on the interior, like special edition detailing for the seats.

Here’s how much you might expect your cost to change based on the trim level of your car:

That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:

Are Saabs more expensive to insure?

Saabs are 39% 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.

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.

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.

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 and 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.

MEET OUR EXPERTS

R.E. Fulton

• Licensed Insurance Agent

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

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from 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.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.