About $892 a year for full coverage on a national average — 38% less than the $1,438 average car. Insurers rate the Saturn SKY at an index of 62 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2008-2010).
The premium isn't spread evenly across the Saturn SKY: Comprehensive — theft, weather, vandalism, animals — carries its highest loss index at 91, while Property damage sits at 46. Those 45 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2027 SKY sells for a median $9,700, so a year of cover costs 9.2% of the car's value. Over 4 generations of data the index has fallen from 68 (2005-2007) to 62 (2008-2010). Calculated from 4 insurance-loss records and live US listing prices.
Why a SKY 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 $892: Liability (BI + PD) $428 · Collision $250 · Comprehensive $107 · Other (UM / PIP) $107.
How it changed by generation
Insurance-loss index of the SKY 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 SKY has become cheaper to insure over time (-6 points).
What a SKY costs by state
Where you park matters as much as what you drive. The SKY's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | SKY 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 the Saturn SKY's loss index of 62 — your own quote also depends on age, record, deductible and ZIP.
Saturn SKY insurance — frequently asked
How much is insurance for a Saturn SKY?
About $892 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 62 applied to the US average premium.
Why is the SKY expensive or cheap to insure?
For the Saturn SKY the costliest area is Comprehensive at an index of 91, covering theft, weather, vandalism, animals — against 46 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Saturn SKY lands at 62, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 9.2% of what a 2027 SKY sells for — $892 against a median price of $9,700. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 9.2% the SKY sits on the expensive side of that trade.
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 SKY can differ by hundreds between two drivers.
How we work this out
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