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

Quick Facts

• It costs less to insure a Saturn Ion than the average car.
• Full coverage for an Ion normally tends to be about $145 a month, while liability only car insurance rates tend to be around $79.
• Hugo provides the lowest average premiums for an Ion with liability only coverage offered for as low as $37 monthly.

Ion Overview

With base prices starting at just $12,300 for 2007 models, the Saturn Ion is a great budget-friendly car for drivers of all types. Drive off the dealership lot in style, with a choice of three different trim options.

Based on thousands of auto insurance quotes from Compare.com, we've found that Saturn Ion insurance premiums average out to about $101 a month. But how does that compare to other similar cars on the market?

How Much is Car Insurance for a Saturn Ion?

Looking at the table above, you can see that Saturn Ion insurance prices are more affordable than average compared to other vehicles. On average, Ion drivers can expect to pay around $145 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $79 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Compared to other models, the Ion is slightly more expensive, with premiums about 7% higher than Saturn's other vehicle offerings. But coverage for the Ion is lower than average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive prices than other cars.

Overall, they're just more affordable to insure than the average vehicle, no matter what body style, make, or model they are.

Who has the Cheapest Car Insurance for a Saturn Ion?

Looking for a car insurance policy for your Saturn Ion? You're likely interested in which carrier offers the most affordable prices. Although there will never be one company that offers the cheapest rates for everyone, the most affordable average rates for liability only insurance are as cheap as just $31 a month from ACG. The next lowest carrier is Encompass, who offers auto insurance sometimes as little as $32 per month.

Completing the top 5 companies are Ohio Mutual, Safeway, and Hugo. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Saturn Ion.

Auto insurance companies take a range of things into consideration when offering you premiums. By analyzing quotes from a range of car insurance carriers at once, you can rest easy knowing that you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Saturn Ion?

There are a variety of factors that insurance companies reference to choose how much to charge for a policy -- and every company weighs different pieces more heavily than others, so there's not one carrier that's the most affordable for everyone.

The following sections show quite a few variables auto insurance carriers use to calculate rates:

Vehicle Age

The Saturn Ion has been around for a while, so vehicle age will likely make a difference in what you end up paying for car insurance. Typically, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the Ion. However, as you can see in the table above, the most expensive Saturn Ions to insure are those that are 11 to 14 years old, while the cheapest models are Ions that are 6 to 7 years old, on average.

Your Age

Age plays a significant role in how much you pay for insurance. In the table above, you'll see that drivers who have more experience pay less for auto insurance compared to the youngest drivers. Saturn Ion drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Ion.

Your Gender

Because women are less likely to get into accidents and get tickets, they have a lower chance of filing a claim with insurance. So, women tend to get cheaper rates than men. The Saturn Ion follows this convention, and men pay around $83 monthly for car insurance, while women pay about $77.

Where You Live

It may be obvious that factors such as how old you are and what vehicle you drive play a role in your insurance premiums, but you may not realize that where you live can have just as much as an impact. Because car insurance is regulated on the state level rather than nationally, rates can differ quite a bit from state to state.

For example, the average Saturn Ion owner from New York pays around $130 a month for liability coverage. Meanwhile, on average, the same driver from California will pay less than 50% of that price. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change across states.

Saturn Ion Car Insurance Discounts

No matter your home state, your age, or your car, using as many discounts as possible when it comes to your auto insurance is always important when shopping around for a policy.

Not every insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Multi-car discounts for having several vehicles on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier

These discounts are great, but sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

Of course, you can't control every single aspect of your auto insurance profile (like some of the factors we mentioned above), but there is quite bit in your control. Below are just a few of the variables you can use in your favor in order to save on insurance:

Your Driving Record

You've most likely observed ads from car insurance companies promoting large discounts for safe drivers. It should be no surprise that your auto insurance premiums will get higher if you get into a collision or get tickets for speeding. But exactly how much will these infractions cost you?

As you can tell, accidents will usually cost Ion drivers more than tickets, but both will result in above average rates. Saturn Ion drivers with one accident on their record pay an average of $98 every month (up $19 from the $79/mo. overall average), while drivers with a single ticket will pay about $85 monthly. The rates only increase the more collisions you have or tickets you get.

How Much You Drive

Another variable that plays a big role in your car insurance prices is how much you drive annually. Those who drive less are less likely to get into accidents, so they'll generally end up paying less for insurance. Based on the table above, you can see that Saturn Ion owners who drive 10,000 miles or more pay $80 for auto insurance, while those who drive fewer than 2,500 miles each year pay an average of $74 per month.

But if you're one of those drivers who don't put very many miles on your Saturn Ion each year, you might consider a usage-based or pay-per-mile insurance policy. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Saturn Ions Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Saturn Ion is on your shortlist, you're probably wondering how it compares to other cars. Insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering carefully.

Review the table below to see how the Saturn Ion compares:

With an MSRP that's less than half of the going rate for a new vehicle, the Saturn Ion is a great value when it comes to price. The Ion comes in at $12,300, which is quite a bit lower than the national average vehicle price of $30,184. And since it's been a few years since a new Ion model has been on the market, used prices are going to be even lower.

In the same fashion, car insurance rates are slightly cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Saturn Ion is about $20 a month cheaper than average, while liability only coverage is a month.

When it comes to usage, Saturn Ion drivers are near the national average in annual miles driven, with 11,345 miles per year compared to 11,617 for all vehicles.

Saturn Ion Car Insurance Costs by Model Year

You've seen how different things can affect a driver's auto insurance premiums. But if you're thinking about buying a new vehicle and the Ion is one you're considering, knowing what you'll likely pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2007 Saturn Ion Car Insurance

You can expect full coverage for a 2007 Ion to run around $149 per month, while liability only coverage will average about $81 monthly.

Looking for the lowest policy? Clearcover offered liability only coverage for as little as $18 per month.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

2006 Saturn Ion Car Insurance

The average cost to insure a 2006 Saturn Ion with liability only coverage is $84 monthly, while full coverage runs around $146 a month.

We found Infinity offered the cheapest policy, with rates sometimes as cheap as $21 per month.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get a variety of personalized quotes for free.

2005 Saturn Ion Car Insurance

2005 Ion drivers can expect to pay an average of $74 a month for liability or $135 for full coverage.

Elephant offered the most affordable policy we found, with rates as little as just $17 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2004 Saturn Ion Car Insurance

On average, drivers who own a 2004 Saturn Ion can expect to pay $76 to $131 a month for liability only and full coverage insurance, respectively.

With rates as low as just $16 per month, Liberty Mutual offered the cheapest policy we found for the 2004 Saturn Ion.

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

2003 Saturn Ion Car Insurance

It costs about $77 monthly for liability or $163 for a full coverage policy for the 2003 Ion.

If you're looking for the lowest possible 2003 Saturn Ion insurance policy, Liberty Mutual offered the lowest policy we found, with rates as cheap as $20 a month.

While these are good estimates of what the average driver might pay to insure a 2003 Saturn Ion, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

Saturn Ion Insurance FAQs

Is a Saturn Ion expensive to insure?

Liability insurance runs an average of $79 per month, while full coverage will cost you around $145. When compared to the national average of all cars, prices come in on the more affordable end of the spectrum.

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

There's only one way to ensure you're getting the most affordable rates -- checking prices regularly and comparing quotes from a wide array 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 premiums from many companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

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

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's just a myth. There are several factors car insurance carriers look at when they calculate how much you'll pay, but the color of your vehicle is not used to make that determination.

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

You'll need to have valid insurance for your car before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships might offer you an auto insurance policy, but the best thing to do when buying a an car is to let your auto insurance carrier know ahead of time.

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

There are all sorts of discounts out there for car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your Saturn Ion and more on you, but if your Ion has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to find out is to reach out to your insurance company and ask about their list of discounts.