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

Quick Facts

• It costs less to insure a Saturn SC than the average car.
• Liability only auto insurance prices for a SC run about $68 a month, while full coverage usually averages around $125.
• JustInsure is the lowest insurance carrier for a SC with a national average of just $23 per month for liability only coverage.

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SC Overview

The Saturn SC is a great car for drivers on a budget, with base prices starting at just $13,080 for 2002 models. In addition to it being on the affordable end of the spectrum when it comes to overall price point, it's also a great budget option when thinking about your auto insurance rates.

After analyzing thousands of car insurance quotes through Compare.com, we've determined that average Saturn SC insurance premiums run about $81 a month. But how does that stack up to other similar cars out there on the market?

How Much is Car Insurance for a Saturn SC?

You can see in the table above that auto insurance prices for a Saturn SC are lower than average. SC drivers typically pay around $125 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $68 monthly for liability only insurance (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Compared to other models, the SC is slightly cheaper, with rates more than 5% lower than other vehicles in Saturn's lineup. Compared to offerings from other brands, car insurance for a SC is also more affordable, with liability only insurance premiums coming in about 18% less and 29% less for full coverage.

When compared to all vehicles, regardless of body style, make, or model, the SC follows a similar pattern of having below average auto insurance rates.

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Who has the Cheapest Car Insurance for a Saturn SC?

Browsing for a car insurance policy for your Saturn SC? You might be most interested in which company offers the most affordable rates. Although there will never be one carrier that offers the cheapest premiums for everyone, the most affordable average rates for liability only insurance are sometimes as little as $19 a month from USAA. With car insurance as low as just $23 per month, JustInsure is the next lowest car insurance company.

The third, fourth, and fifth companies on the list are Safeway, CSAA, and Jupiter. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Insurance carriers take many different things into consideration when calculating monthly rates. By getting quotes from multiple insurance companies at once, you can be sure you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Saturn SC?

There are numerous factors that auto insurance carriers examine to calculate how much to charge you for car insurance -- and every carrier weighs certain factors more than others, so there's not one company that's the most affordable for everyone.

The sections below show a whole range of variables insurance companies use to calculate rates:

Vehicle Age

The Saturn SC has been around for a while, so vehicle age may make a difference in what you end up paying for auto insurance. Typically, newer cars are going to cost more to insure because they're worth more, however, as time goes on and SCs continue to depreciate, insurance costs will gradually get lower.

A new Saturn SC 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 SCs to insure are those that are 15 years old or more, while the cheapest models are SCs that are 11 to 14 years old, on average.

Your Age

How old you are plays a big role in how much insurance carriers will charge for car insurance. Based on the information in the table above, older drivers have lower prices compared to drivers who are under 18. Saturn SC drivers under 18 actually pay over three times as much as those 25 or older.

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

Your Gender

Because women are less likely to get into collisions and get tickets, they are less likely to file a claim with insurance. The Saturn SC follows this convention, and men pay around $70 monthly for insurance, while women pay about $66.

Where You Live

You might already know that things such as how old you are and what vehicle you drive play a role in your auto insurance rates, but did you know that where you live matters just as much? Car insurance is regulated on the state level and not nationally, so premiums can differ quite a bit depending on which state you call home.

For example, the average Saturn SC owner from New York pays around $129 a month for liability coverage, while the same Californian driver will pay less than 50% of that price, on average. 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 from state to state.

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Saturn SC Car Insurance Discounts

Whatever how old you are, where you live, or which vehicle you drive, using as many discounts as possible when it comes to your car insurance policy is always the smart move.

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

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-policy discounts for getting both your home and auto policies from the same company
• Pay-in-full discounts for drivers who agree to pay their entire policy rate up front, rather than in monthly installments

While discounts are always a good way to save money on your car insurance, sometimes the best way to save is just by having a profile that looks good to auto insurance companies.

You obviously can't control every single aspect of your insurance profile (like some of the variables we mentioned above), but there is quite bit in your control. Below are just a few of the factors you can use in your favor when it comes to saving cash:

Your Driving Record

You've most likely seen ads from auto insurance carriers posting hefty discounts for safe drivers. It should be no surprise that your car insurance prices will increase if you get tickets or get into an accident. But you still might be left wondering exactly how much collisions and moving violations will cost you.

Based on the table above, accidents will usually cost SC drivers more than tickets, but both will result in above average rates. Saturn SC drivers with one ticket will pay about $92 monthly, while drivers with a single accident on their record pay an average of $109 each month (up $41 from the $68/mo. overall average). The rates only go higher the more collisions you have or tickets you get.

How Much You Drive

Another variable that plays a role in your auto insurance premiums is the amount of miles you drive each year. Those who drive less have fewer opportunities to get into an accident, so they'll normally get less expensive prices. In the above table, you can see that Saturn SC owners who drive fewer than 2,500 miles every year pay an average of $63 per month for car insurance, while those who put 10,000 miles or more on their cars pay $73.

If you happen to be one of those drivers who put very few miles on your Saturn SC 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 how many miles you drove.

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How Do Saturn SCs Compare to Other Vehicles?

If you're considering buying a new car and a Saturn SC is on your shortlist, you're probably wondering how it compares to other vehicles. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth taking into consideration.

Check out the table below to see how the Saturn SC compares:

With an MSRP that's less than half of the going rate for a new vehicle, the Saturn SC is a great value when it comes to price. While the national average vehicle price is $28,031, the SC goes for just $13,080. A used SC will be even more affordable, since there hasn't been a new model added to the market in the last few years.

Likewise, car insurance rates run slightly below average when compared to other vehicles on the market. Full coverage insurance for a Saturn SC is about $37 a month cheaper than average, while liability only coverage is $3 cheaper monthly.

When it comes to usage, Saturn SC drivers are far from the national average in annual miles driven, with 11,617 miles for all vehicles per year compared to the SC's 10,196 a year.

Saturn SC Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much you might pay for insurance. If you're in the market for a new car, truck, or SUV and the SC is on your wishlist, knowing what you'll likely pay can be helpful as you consider your options.

Choose Your Model

2002 Saturn SC Car Insurance 2001 Saturn SC Car Insurance 2000 Saturn SC Car Insurance 1999 Saturn SC Car Insurance 1998 Saturn SC Car Insurance 1997 Saturn SC Car Insurance 1996 Saturn SC Car Insurance 1995 Saturn SC Car Insurance 1994 Saturn SC Car Insurance 1993 Saturn SC Car Insurance 1992 Saturn SC Car Insurance 1991 Saturn SC Car Insurance

2002 Saturn SC Car Insurance

2002 SC drivers can expect to pay an average of $78 a month for liability or $132 for full coverage.

With prices sometimes as low as $17 per month, ACG offered the most affordable policy we found for the 2002 Saturn SC.

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

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2001 Saturn SC Car Insurance

You can expect full coverage for a 2001 Saturn SC to run around $135 monthly, while liability only coverage will average about $70 per month.

We found MetroMile offered the cheapest policy, with rates as cheap as just $18 a month.

Want to figure out exactly what you'll be asked to pay? Get multiple customized quotes for free by just entering your ZIP code below.

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2000 Saturn SC Car Insurance

The average cost to insure a 2000 SC with liability only coverage is $61 monthly, while full coverage runs around $125 a month.

Kemper has premiums as little as just $20 per month for the 2000 Saturn SC.

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

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1999 Saturn SC Car Insurance

It costs about $69 a month for liability or $152 for a full coverage policy for the 1999 Saturn SC.

Looking for the most affordable policy? Mercury offered liability only coverage for as low as $16 per month.

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

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1998 Saturn SC Car Insurance

On average, drivers who own a 1998 SC can expect to pay $61 to $94 monthly for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 1998 Saturn SC insurance policy, Mercury offered the lowest policy we found, with rates as cheap as $18 per month.

These average rates are a great starting point if you're in the market for a 1998 Saturn SC, but there are a range of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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1997 Saturn SC Car Insurance

1997 Saturn SC drivers can expect to pay an average of $71 monthly for liability or $135 for full coverage.

With prices as little as $17 a month, Jupiter offered the cheapest policy we found.

Want to find the best rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing a wide array of personalized quotes from the nation's top insurance companies.

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1996 Saturn SC Car Insurance

It costs around $53 monthly for liability or $97 for a full coverage policy for the 1996 SC.

Elephant offered the most affordable policy we found, with rates sometimes as cheap as $18 a month.

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.

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1995 Saturn SC Car Insurance

You can expect full coverage for a 1995 Saturn SC to run about $69 per month, while liability only coverage will average around $56 monthly.

With rates as low as just $19 a month, Commonwealth Casualty offered the cheapest policy we found for the 1995 Saturn SC.

Want to know just how much you'll pay? Get several free personalized quotes by just entering your ZIP code below.

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1994 Saturn SC Car Insurance

On average, drivers who own a 1994 SC can expect to pay $50 to $44 per month for liability only and full coverage auto insurance, respectively.

With premiums as cheap as $25 a month, Safeco offered the lowest policy we found.

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

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1993 Saturn SC Car Insurance

The average cost to insure a 1993 Saturn SC with liability only coverage is $64 per month, while full coverage runs about $135 monthly.

Mercury offered the most affordable policy we found, with rates sometimes as low as $23 a month.

Want to know exactly what your car insurance rate will be? Get lots of personalized quotes for free by just entering your ZIP code below.

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1992 Saturn SC Car Insurance

It costs around $58 per month for liability or $44 for a full coverage policy for the 1992 SC.

Looking for the lowest policy? Kemper offered liability only coverage for as little as just $35 monthly.

If you want to find the best rates for insurance for a 1992 Saturn SC, enter your ZIP code below and compare a bunch of personalized quotes in just a few minutes.

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1991 Saturn SC Car Insurance

You can expect full coverage for a 1991 Saturn SC to run about undefined a month, while liability only coverage will average around $43 monthly.

The Hartford has premiums as little as $32 per month for the 1991 Saturn SC.

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

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Saturn SC Insurance FAQs

Is a Saturn SC expensive to insure?

Liability insurance runs an average of $68 monthly, while full coverage will cost you around $125. It costs less to insure a Saturn SC when compared to the average car.

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

The only way to ensure you're getting the cheapest price on auto insurance is to regularly shop around and compare quotes from quite a few carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a multitude of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

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

You've probably heard the old adage that it costs more to insure a red car, but that's simply not true. While there are many variables car insurance carriers think about when they offer prices, your car's color isn't one of them.

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

Before you can legally drive your new (or new to you) Saturn SC off the dealership lot, you'll need to have an auto insurance policy in place. As part of the buying process, some dealerships might offer you an insurance policy, but the best thing to do when buying a an car is to talk with your auto insurance carrier ahead of time.

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

You will find all sorts of discounts out there for car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your SC 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 know for sure is to talk with your insurance agent and ask about which discounts they offer, since they fluctuate quite a bit from company to company.