How much would car insurance cost for a Saturn Relay?

The average Saturn Relay car insurance rates are $119/mo. Get cheap car insurance on a Saturn Relay by purchasing one with anti-theft devices and advanced safety features.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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Here's what you need to know...

  • The average Saturn Relay car insurance rates are $119/mo
  • The Saturn Relay was never a popular minivan
  • It doesn’t get great safety ratings
  • Shopping around and receiving multiple quotes from different insurers is the best way to make sure you get the best rate

The Saturn Relay is one of these vehicles that didn’t quite catch on. Manufactured by Saturn from 2005 to 2007, the Relay was the only minivan ever created by Saturn and they have not attempted to create a minivan since.

You can expect to pay in the range of $1250 to $1385 on average, depending on the model year and other factors.

With just your ZIP code, you can start the process of comparing insurance rates right now!

The cost of the insurance for your Saturn Relay will depend on a lot of things.

One thing that the car insurance company will take into consideration is whether or not you purchased a Relay with side airbags.

Without the side airbags, all of the Saturn Relay’s get a poor rating based on the crash tests conducted by the Insurance Institute for Highway Safety.

With the side airbags, the 2007 Saturn Relay received an acceptable safety rating and the other models received a marginal safety rating.

Overall, the safety ratings for the Saturn Relay aren’t as good as they could be, but they are good enough to keep your rates lower.

How does the model year affect the car insurance cost for a Saturn Relay?

Another thing that is going to help keep your insurance rates low is the fact that the Saturn Relay is an older vehicle. It isn’t so old as to make it unsafe or undesirable to drive, but it’s old enough to save you money on the overall cost of insuring your minivan.

The reason for this is that if you have an accident that totals your vehicle or if your Saturn Relay is stolen, the insurance company is only going to have to pay the trade-in value of the vehicle.

That could range between $4,000 to $13,000 depending on what year the van was made, the mileage, and so on.

The amount that you will pay will also depend on the insurance company that you choose. Some companies offer deep discounts for a variety of reasons while others don’t offer many discounts at all.

It may surprise you to learn that some of the largest insurance companies charge the most for their auto insurance, so comparing prices is important if you are looking to keep your costs down.

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Which insurance company should I choose to insure my Saturn Relay?

This is not a question that can be easily answered without the benefit of getting a quote. Many people feel that they should go with the oldest, most established companies regardless of cost.

Other people go with the cheapest, regardless of the stability of the company.

Neither one of these approaches is the best way to get the most affordable rates for your Relay. In addition, if you don’t check out the stability of the company that you are choosing, you could face a much more serious problem if you have an accident.

Both large, well-known companies and small, unknown companies have financial responsibilities that they have to meet.

If you have an auto accident, you depend on your insurance company being stable enough to pay for whatever damages that result from the accident.

If you are the cause of an accident, you are responsible for the cost of the damages from the accident. What will you do if your insurance company doesn’t pay the claim? Will you be able to afford to pay for the damages out of your pocket?

That is the possibility that you face if you don’t take the time to learn whether or not the insurance company you choose is financially stable.

If it isn’t and they can’t pay your accident claim, then the people that you hit in the accident can sue you for damages. If there are medical damages as well, you could potentially end up bankrupt because your insurance company wasn’t able to follow through.

The thing is, finding out how stable an insurance company is, happens to be very easy. Many companies post their stability ratings right on their websites.

For those that don’t, you can find most of their ratings from rating companies such as:

There are other companies as well, but these are the premier companies.

If the insurance company that you are looking at doesn’t have a financial rating, it could be because they are too new to have a rating yet.

In this case, you can check local reviews and the Better Business Bureau to determine if they are paying their claims. Another alternative would be to pass on that company altogether.

Just because a company is old doesn’t mean that it is the best company. Some newer insurance companies have much better reputations than companies that are well over a hundred years old.

That is just something that you need to keep in mind when you are choosing your insurance company.

How does the insurance company determine the rates for my Saturn Relay?

While the safety of your Saturn is going to determine part of the premiums that you pay for your Saturn, your rates will also be affected by the type of driver you are, where you live, how old you are, your gender, and so on.

The Saturn Relay has the following safety features:

  • Driver Airbag
  • Passenger Airbag
  • Four-Wheel ABS and Disc Brakes
  • Auto-On/Off Headlights
  • Traction Control
  • Electronic Stability Control
  • 3-point safety belts in all seating

One thing that surprises many people is the fact that where they live can affect their insurance rates. The truth is that if you live in an area that has a high claim rate, then your rates will be higher than if you live in an area with a low claim rate.

Claims here are in reference to how many auto insurance claims have been made in your area. These could be in response to accidents, theft, vandalism, or acts of nature.

If you are paying a bit more for your insurance than someone with the same or similar profile as you, this could be the factor that has made your insurance costs higher.

While you can’t necessarily up and move in order to get lower insurance rates. You can keep your rates low by:

  • taking advantage of any discounts offered by your insurance company
  • maintaining a safe driving record
  • keeping your credit clean
  • keeping unsafe drivers from driving your vehicle

Who has the best quote tool for comparing rates for my Saturn Relay?

Well, not to brag, but we believe that we have the best quote tool! We developed our tool to provide you with insurance options that you aren’t going to get from other quote tool sites.

We want to make sure that you have all of the options that you need to make an educated decision, which means that we won’t just provide you with quotes from the countries largest insurance companies, we will provide you with quotes from all of the best companies!

It doesn’t take long for you to find out just how much your insurance will cost you. In about ten minutes, after you have answered all of the questions, you will have all the quotes you need.

Enter your ZIP code now and get your own car insurance quotes and find out why we are the best place to get a quote for your Saturn Relay!

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