About $1,645 a year for full coverage on a national average — 14% more than the $1,438 average car. Insurers rate the Saab 9-3 at an index of 114 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2009-2011).
The premium isn't spread evenly. Collision — damage to your own car in a crash — carries this car's highest loss index at 111, while Property damage sits at 101. That gap is the real reason behind the price, and it's the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2009 9-3 sells for a median $4,800, so a year of cover costs 34.3% of the car's value. Over 6 generations of data the index has climbed from 84 (2004-2006) to 114 (2009-2011). Calculated from 17 insurance-loss records and live US listing prices.
Why a 9-3 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,645: Liability (BI + PD) $790 · Collision $461 · Comprehensive $197 · Other (UM / PIP) $197.
How it changed by generation
Insurance-loss index of the 9-3 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The 9-3 has become more expensive to insure over time (+30 points).
What a 9-3 costs by state
Where you park matters as much as what you drive. The 9-3's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | 9-3 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Saab 9-3
Saab 9-3 insurance — frequently asked
How much is insurance for a Saab 9-3?
About $1,645 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 114 applied to the US average premium.
Why is the 9-3 expensive or cheap to insure?
Its costliest area is Collision (index 111), which covers damage to your own car in a crash. Insurers set premiums from claim history like this, not from the sticker price.
Is that a lot relative to the car's value?
A year of cover is 34.3% of what a 2009 9-3 sells for (a median $4,800). Cheap cars often show a higher percentage even when the dollar premium is lower.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same 9-3 can differ by hundreds between two drivers.