Saturn Aura Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Saturn Aura is cheaper to insure compared to the average car.
• Full coverage for an Aura typically comes in at about $151 monthly, while liability only auto insurance prices come in at around $91.
• Hugo provides the cheapest average premiums for an Aura with liability only coverage offered for as little as $28 a month.

Aura Overview

With a base price of just $22,655 for 2009 models, the Saturn Aura is a great budget-friendly car for drivers of all types. The Aura is not just on the affordable end of the spectrum when it comes to overall price point, it's also a wise choice for your budget when thinking about your future car insurance premiums.

After analyzing thousands of insurance quotes through Compare.com, we've found that Saturn Aura car insurance rates run about $124 per month, on average. How do insurance premiums for the Aura compare to rates of other similar cars?

How Much is Car Insurance for a Saturn Aura?

Based on the table above, Saturn Aura insurance prices are lower than average compared to other vehicles. Aura drivers can expect to pay around $151 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $91 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Compared to other models, the Aura is more expensive, with rates about 12% higher than other vehicles in Saturn's lineup. Compared to offerings from other brands, auto insurance for an Aura runs close to average, with full coverage insurance premiums 15% cheaper than other cars and liability insurance prices coming in at 10% higher.

Compared to all vehicles of any body type, the Aura is more expensive for liability only insurance, but full coverage premiums are more affordable.

Who has the Cheapest Car Insurance for a Saturn Aura?

Browsing for an auto insurance policy for your Saturn Aura? You're probably most interested in which carrier offers the most affordable premiums. While costs will generally be pretty different from person to person, the most affordable average rates for liability only insurance are as little as just $28 per month from Hugo. The next lowest company is Oasis, who offers car insurance sometimes as cheap as $34 monthly.

Encompass, Coverhound, and AmericanAlliance finish off the rest of the top 5. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Car insurance companies take a whole range of different factors into consideration when calculating monthly prices. By analyzing quotes from many insurance carriers at once, you can be confident you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Saturn Aura?

There are a variety of variables that auto insurance companies take a look at to determine how much to charge you for a policy -- and every carrier weighs different attributes more heavily than others, so there's not just one company that's the most affordable for each driver.

The following sections show lots of things car insurance carriers use to calculate rates:

Vehicle Age

The Saturn Aura has been around for a while, so vehicle age may play a role in what you end up paying for insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Auras continue to depreciate, insurance costs will gradually decrease.

A new Saturn Aura model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Saturn Auras to insure are those that are 15 years old or more, while the cheapest models are Auras that are 4 to 5 years old, on average.

Your Age

Your age is another variable that plays a significant role in how much auto insurance companies will charge you for car insurance. Based on the information in the table above, those who have more experience pay less for insurance than the youngest drivers. Saturn Aura drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group for Aura drivers being 65 years and older.

Your Gender

Because women are less likely to get into accidents and get speeding tickets, they run a lower risk of filing a claim with insurance. For Aura owners, that difference is around $1 a month, with men paying an average of $91 and women looking at around $92.

Where You Live

You were probably already aware that factors like what vehicle you drive and how old you are play a role in your auto insurance prices, but did you know that where you live matters, too? Because car insurance is regulated on the state level and not nationally, rates shift quite a bit from state to state.

For example, the average Saturn Aura owner from New York pays about $127 per month for liability coverage, while on average, the same driver in California will pay less than 50% of that price. The table referenced above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change from state to state.

Saturn Aura Car Insurance Discounts

Regardless of your age, your car, or your home state, it's always the smart move to take advantage of as many insurance discounts as possible when shopping around for a policy.

Even though all auto insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Pay-in-full discounts for drivers who agree to pay their entire policy premium at once, rather than in monthly installments
• Multi-policy discounts for bundling your home and auto policies with the same carrier
• Multi-vehicle discounts for insuring more than one of your cars with the same company
• Defensive driving discounts for taking a defensive driving class through a certified school or institution

While taking advantage of discounts is always a smart way to save money on your insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Although you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), you do have a say over some of it. Below are just a few of the ones you can use to your advantage in order to save money on auto insurance:

Your Driving Record

You've no doubt seen ads from car insurance companies posting large discounts for good drivers. And you probably wouldn't be surprised that if you get cited for speeding or get into an accident, auto insurance rates will get higher. But exactly how much is it going to cost you for these infractions?

If you look at the table above, you'll see that accidents will usually cost Aura drivers more than tickets, but both will result in higher than average rates. Saturn Aura drivers with one accident on their record pay an average of $113 every month (up $22 from the $91/mo. overall average), while drivers with a single ticket will pay about $95 monthly. The rates only go higher the more accidents you have or tickets you get.

How Much You Drive

Another factor you have control over is how much you drive. Drivers who are on the roads less are more likely to go accident-free, so they'll normally be offered cheaper premiums. In the table above, you can see that Saturn Aura owners who drive fewer than 2,500 miles each year pay an average of $83 a month for insurance, while those who put 10,000 miles or more on their cars pay $95.

If you don't drive much because you work from home or have a second vehicle, you might consider learning about usage-based or pay-per-mile auto insurance policies. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Saturn Auras Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Saturn Aura is on your shortlist, it can pay off to do your due diligence. Auto insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth thinking about carefully.

Check out the table below to see how the Saturn Aura stacks up:

With an MSRP that's a quarter less than the going rate for a new vehicle, the Saturn Aura is a fantastic value for any budget. While the average vehicle price in the U.S. is $33,180, the Aura retails at just $22,655. A used Aura will be even lower, since there hasn't been a new model added to the market in the last few years.

Although the purchase price is on the cheaper end of the spectrum, car insurance prices run slightly above average when compared to other vehicles on the market. Full coverage insurance for a Saturn Aura is around $6 a month cheaper than average, while liability only coverage is $5 higher per month.

When it comes to usage, Saturn Aura owners drive about the same amount annually as the national average, with 11,191 miles a year compared to 11,617 for all vehicles.

Saturn Aura Car Insurance Costs by Model Year

We've walked through many of the variables that can affect how much you might pay for insurance. But if you're considering buying a new vehicle and the Aura is one you're thinking about, having a good idea of exactly how much you'll pay can be helpful as you consider your options.

2009 Saturn Aura Car Insurance

On average, drivers who own a 2009 Aura can expect to pay $86 to $163 monthly for liability only and full coverage insurance, respectively.

With premiums sometimes as low as $18 a month, StateAuto offered the lowest policy we found for the 2009 Saturn Aura.

Want to know just how much you'll pay? Just enter your ZIP code below to get a variety of customized quotes for free.

2008 Saturn Aura Car Insurance

You can expect full coverage for a 2008 Saturn Aura to run about $147 monthly, while liability only coverage will average around $97 per month.

We found Safeco offered the cheapest policy, with rates as cheap as $20 a month.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

2007 Saturn Aura Car Insurance

2007 Aura drivers can expect to pay an average of $90 per month for liability or $148 for full coverage.

Looking for the most affordable policy? Elephant offered liability only coverage for as low as $18 a month.

If you want to know exactly how much you can expect to pay for your Aura, get free quotes in minutes by just entering your ZIP code below.

Saturn Aura Insurance FAQs

Is a Saturn Aura expensive to insure?

Liability insurance runs an average of $91 monthly, while full coverage will cost you around $151. The Saturn Aura is relatively cheap to insure compared to the average vehicle.

How can I get the best price on car insurance for my Saturn Aura?

The only way to ensure you're getting the lowest price on auto insurance is to regularly shop around and compare quotes from a whole bunch of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from multiple companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Saturn Aura affect my insurance rates?

You might have heard the old adage that it costs more to insure a red car, but that's actually not the case. There are several things car insurance carriers think about when they offer you a premium, but the color of your Aura is not factored into that equation.

Do I need to have insurance before I buy a Saturn Aura?

Before you can legally drive your new (or new to you) Saturn Aura off the dealership lot, you'll need to have a car insurance policy in place. Some dealerships will offer you an insurance policy as part of the buying process, but it's best to let your insurance company know beforehand.

What car insurance discounts can I get for my Saturn Aura?

You will find a variety of discounts out there when it comes to auto insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your Aura has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to know for sure is to get in touch with your insurance carrier and ask about their discounts, since they fluctuate quite a bit from carrier to carrier.