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

Quick Facts

• A Saturn Outlook is more affordable to insure than the average SUV.
• Full coverage auto insurance for an Outlook comes in at about $129 monthly, on average, while liability only insurance usually runs around $75 per month.
• Hugo provides the most affordable average premiums for an Outlook with liability only coverage offered for as little as $26 a month.

Outlook Overview

With 2010 models coming in with a base MSRP of $31,130, the Saturn Outlook is a great choice for a mid-level SUV. With two different trim levels currently available, every driver can find an option to match their style.

We sifted through thousands of insurance quotes on Compare.com, and we've determined that, on average, Saturn Outlook car insurance rates run about $106 monthly. How do insurance premiums for the Outlook compare to prices of other similar SUVs?

How Much is Car Insurance for a Saturn Outlook?

In the table above, you'll see that Saturn Outlook insurance rates are less expensive than average. On average, Outlook drivers can expect to pay around $75 per month for liability insurance, and about $129 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Compared to other Saturn models, the Outlook's insurance premium is in line with the rest of the automaker's vehicle lineup. Compared to SUV offerings from other brands, auto insurance for an Outlook is also more affordable, with full coverage insurance premiums coming in around 15% less and 6% less for liability only insurance.

When compared to all vehicles, regardless of model, make, or body style, the Outlook follows a similar pattern of having below average car insurance prices.

Who has the Cheapest Car Insurance for a Saturn Outlook?

If you're browsing for a new car insurance policy for your Saturn Outlook, you most likely want to know which company offers the cheapest premiums. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $26 per month from Hugo. The runner up for lowest rates is FirstChicago, with insurance policies starting as low as $32 a month.

Completing the top 5 carriers are Mapfre, CaliforniaCasualty, and Oasis. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance carriers take lots of different factors into consideration when calculating monthly rates. Because every driver is different, there's only one way to ensure you get the cheapest prices, and that's by getting personalized quotes and comparing rates from a multitude of auto insurance companies.

What Factors Affect Car Insurance Rates for a Saturn Outlook?

As we mentioned above, there are several variables that car insurance carriers take a look at to calculate how much they charge for auto insurance -- and each carrier weighs different attributes more heavily than others, so there's not a singular company that's the lowest for everyone.

The sections below show multiple things car insurance companies use to choose rates:

Vehicle Age

Saturn has been making the Outlook for quite some time -- and that means the car's age may play a big role in how much you'll pay for insurance. Usually, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go lower.

A new Saturn Outlook model hasn't been added to the market for over 5 years, so the Outlook won't really fit this trend. However, as you can see in the table above, the cheapest Saturn Outlooks to insure are those that are 11 to 14 years old, while the most expensive models are Outlooks that are 6 to 7 years old, on average.

Your Age

Age makes a significant difference in how much you pay for car insurance. As you can see above, young drivers pay more for insurance than those who have more experience on the road. In this case, drivers aged 18 to 24 pay $48 more than those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group being 25-34 for Outlook drivers.

Your Gender

You may not know, but auto insurance is normally cheaper for women than it is for men. This is because men are more likely to get speeding tickets and get into collisions, which increases the chances of an insurance claim. The Saturn Outlook sticks to the norm, where men pay about $15 more than women per month for car insurance.

Where You Live

You're probably already aware that factors like how old you are and what vehicle you drive play a role in your insurance rates, but you may not realize that where you live can be equally important. Because auto insurance is regulated on the state level and not nationally, prices change quite a bit from state to state.

For example, the average Saturn Outlook driver in New York pays around $181 monthly for liability coverage, while on average, the same Californian owner will pay less than half of that price. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

Saturn Outlook Car Insurance Discounts

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

While no two auto insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Multi-car discounts for insuring more than one of your vehicles with the same carrier
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Multi-policy discounts for using the same insurance company for both your home and auto insurance

There are all sorts of other discounts out there for saving money on your car 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.

Even though you may not have control of every factor auto insurance companies examine to calculate prices (like some of the ones mentioned above), you can control some of them. Below are just a few of the variables you can use in your favor when it comes to saving money:

Your Driving Record

You've no doubt seen ads from car insurance carriers posting large savings for responsible drivers. It makes sense that if you get into an accident or get tickets for speeding, insurance premiums will increase. But you're probably wondering exactly how much these infractions will cost you.

If you look at the table above, you'll see that accidents will usually cost Outlook drivers less than tickets, but both will result in higher than average rates. Saturn Outlook drivers with a single ticket will pay about $95 a month, while drivers with one accident on their record pay an average of $87 a month (up $12 from the $75/mo. overall average). Drivers with more than one of either violation will end up paying even more.

How Much You Drive

Another variable that impacts your auto insurance prices is the total distance you drive annually. Those who drive less are less likely to get tickets, so they'll generally get less expensive rates. In the above table, you can see that Saturn Outlook owners who drive 10,000 miles or more pay $78 for car insurance, while those who drive fewer than 2,500 miles per year pay an average of $56 per month.

But if you drive a limited amount, it may be worth considering usage-based or pay-per-mile insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Saturn Outlooks Compare to Other Vehicles?

If you're thinking about making a Saturn Outlook your next SUV, it can pay off to do your research. Auto insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.

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

Overall, the Saturn Outlook has an MSRP that's on par with the going rate for a new vehicle. The average vehicle MSRP in the U.S. is $29,720, and the Outlook comes in close to that at $31,130. And since it's been a few years since a new Outlook model has been on the market, used prices are going to be even more affordable.

Although the purchase price is right in the middle of the spectrum, auto insurance premiums are slightly cheaper when compared to the rest of the vehicle market. Liability insurance for a Saturn Outlook is about $2 per month less than average, while full coverage is over $40 cheaper a month.

When it comes to usage, Saturn Outlook owners drive about the same amount annually as the national average, with 11,617 miles every year for all vehicles compared to the Outlook's 10,772 each year.

Saturn Outlook Car Insurance Costs by Model Year

So far, you've seen how different things have an impact on how much the average driver pays to insure a Saturn Outlook. If you're thinking about buying a new vehicle and the Outlook is one you're considering, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your choices.

2010 Saturn Outlook Car Insurance

On average, drivers who own a 2010 Saturn Outlook can expect to pay $79 to $127 per month for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2010 Saturn Outlook insurance policy, Kemper offered the cheapest policy we found, with rates sometimes as cheap as $33 monthly.

If you want to find the best rates for auto insurance for a 2010 Saturn Outlook, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2009 Saturn Outlook Car Insurance

2009 Outlook drivers can expect to pay an average of $61 per month for liability or $113 for full coverage.

Looking for the most affordable policy? Sun Coast offered liability only coverage for as little as just $25 monthly.

While these are good estimates of what the average driver might pay to insure a 2009 Saturn Outlook, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2008 Saturn Outlook Car Insurance

You can expect full coverage for a 2008 Saturn Outlook to run around $132 a month, while liability only coverage will average about $82 per month.

Dairyland has rates as low as just $24 monthly for the 2008 Saturn Outlook.

What will your insurance price be? Get lots of customized quotes for free by just entering your ZIP code below.

2007 Saturn Outlook Car Insurance

The average cost to insure a 2007 Outlook with liability only coverage is $76 a month, while full coverage runs around $137 monthly.

Hugo offered the lowest policy we found, with rates as cheap as just $24 a month.

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

Saturn Outlook Insurance FAQs

Is a Saturn Outlook expensive to insure?

Compared to the national average of all SUVs, premiums come in on the cheaper end of the spectrum. Liability insurance runs an average of $75 per month, while full coverage will cost you around $129.

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

The only way to ensure you're getting the cheapest price on car insurance is to check prices regularly and compare quotes from a whole range of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a range of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Saturn Outlook affect my insurance premiums?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's simply not true. There are a lot of variables auto insurance companies examine when they calculate your prices, but your Saturn Outlook's color is not factored into that equation.

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

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid insurance for it. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a a new SUV is to talk with your car insurance company beforehand.

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

There are a variety of discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the Outlook you drive, but if your Outlook has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to know for sure is to get in touch with your insurance carrier and ask about which discounts they offer.