Car Insurance Costs for a Saturn

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Apr 1, 2022

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Here's what you need to know...

  • There are a broad range of Saturn vehicles available, so there is a wide range for insurance costs
  • Since Saturn is no longer producing vehicles, it will be harder to find parts
  • As Saturns get older, the safety features offered will be more out-of-date

The problem with determining how much your car insurance will cost for a Saturn is that there simply isn’t enough information to reach a conclusion.

Saturn is a make of cars rather than a model, and your insurance costs will be based on what model you own and the year it was made.

The good news is that it is likely that you will pay less for any Saturn that you are considering buying because 2009 was the last year that any new Saturn was made. These vehicles are no longer in production.

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How much does the Saturn Outlook XR cost to insure?

Of course, this is an average, but according to Motor Trend, the average cost of insurance for the Outlook XR is $1,124. This is based, in part, on the average resale value of the Outlook, which is $27,400 for a 2009 model.

The 2008 model is slightly less to insure, according to Motor Trend, at $1,091 a year to insure. As you can see, the older the vehicle, the less it will cost to insure.

The Saturn Outlook is a safe vehicle according to the Insurance Institute for Highway Safety and rated top marks in their safety testing system.

This is relevant because good safety features on your vehicle will help keep your insurance costs down.

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Why do the different model Saturns have different car insurance costs?

As mentioned above, the cost is going to play a major part in why the different types of Saturn vehicles cost different amounts when it comes time to insure them, but that isn’t the only thing that will impact them.

In addition, these vehicles are different in how they were made and for what they are used. For example, the Saturn SKY convertible is a sports car. Sports cars, in general, are more expensive to insure because of the way that people drive them.

Sedans are often more expensive to insure because they are luxury vehicles with a higher price tag. Of course, this isn’t always the case, but this is just to give you an idea of the reason for insurance premium differences.

As time goes on, Saturns are likely to have higher premiums than comparable vehicles simply because they aren’t being made anymore.

The harder it is to find replacement parts for a vehicle, the more the insurance company is going to have to pay to repair a vehicle after an accident. Therefore, they are going to charge more for the insurance for that vehicle.

The good news is that this problem is a long way off for Saturn owners, as General Motors still carries parts for these cars and will maintenance them at any GM facility.

Eventually, however, this will cause an increase in premiums.

Regardless, the premiums aren’t going to be astronomical, especially considering the fact that an older vehicle will be cheaper to insure overall.

Keep in mind that, as technology changes and the safety features on the Saturn don’t meet current standards, you will no longer qualify for the safety discount.

Again, this isn’t something that will happen today, just over time as it would for any older vehicle.

How can I find out how much it is going to cost to insure a Saturn?

Probably the easiest part about buying a Saturn is finding out how much it will cost for you to insure the Saturn.

The reason for this is that you don’t have to own a Saturn to get quotes for the vehicle. You just need to know how old it is and the make and model to input into a quote tool.

In addition, you will have to provide your own driving information, such as:

  • Your age
  • Your anticipated credit rating
  • Any incidents that may show up on your driving record
  • Other people who will be driving the Saturn

Once you have provided all of this information, you will receive a quote from at least three reputable insurance companies. This will give you an excellent idea as to what you can expect to pay for your car insurance.

The price may vary slightly depending on whether the insurance company determines you qualify for more discounts or they find something on your driving record you didn’t include, and so on.

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