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

Quick Facts

• A Saturn Vue is more affordable to insure compared to the average SUV.
• Full coverage for a Vue typically comes in at around $131 monthly, while liability only auto insurance rates tend to be about $75.
• United Absolute is the lowest insurance carrier for a Vue with a national average of just $23 per month for liability only coverage.

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Vue Overview

The Saturn Vue is a great budget-friendly option for any driver, with a base price of just $22,075 for 2010 models. With two different trim levels currently available, every driver can find an option to match their style.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Saturn Vue auto insurance premiums run around $101 a month, on average. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Saturn Vue?

In the table above, you'll find that when you compare the Saturn Vue to other vehicles, insurance prices are more affordable than average. Vue owners can expect to pay about $131 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $75 monthly for liability only insurance (discover more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Comparing it to other models, the Vue is in line with the other vehicle types offered by Saturn. But coverage for the Vue is more affordable when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive rates than other SUVs.

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

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Who has the Cheapest Car Insurance for a Saturn Vue?

Browsing for an auto insurance policy for your Saturn Vue? You might be most interested in which company offers the cheapest rates. Although there will never be one carrier that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $23 a month from United Absolute. With car insurance sometimes as little as $24 a month, CSAA is the next most affordable car insurance company.

Finishing off the rest of the top 5 are ACG, Safeway, and NationalGeneral. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Saturn Vue.

Car insurance carriers take a multitude of variables into consideration when offering you rates. By reviewing quotes from a bunch of insurance companies at once, you can be confident you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Saturn Vue?

There are numerous pieces that auto insurance carriers reference to calculate how much they charge you for insurance -- and every carrier uses a different method, so there's not one single company that's the most affordable for each Vue owner.

The sections below show a lot of factors car insurance companies use to choose rates:

Vehicle Age

The Saturn Vue has been around for a while, so vehicle age will likely play a role in what you end up paying for auto insurance. Normally, it costs more to insure newer cars because they're worth more, however, as time goes on and Vues continue to depreciate, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, the Vue won't really fit this trend. However, as you can see in the table above, the most expensive Saturn Vues to insure are those that are 4 to 5 and 11 to 14 years old, while the cheapest models are Vues that are 6 to 7 years old, on average.

Your Age

Age makes a significant difference in how much insurance carriers will charge you. As you can see above, those with more experience on the road have more affordable prices than the youngest Vue drivers. Saturn Vue drivers under 18 actually pay more than twice as much as those 25 or older.

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

Your Gender

Because women are less likely to get into accidents and get tickets, they have a decreased chance of filing a claim with insurance. So, women generally pay less for car insurance than men. Surprisingly, when it comes to Vue drivers specifically, women pay around the same rates monthly as men for auto insurance.

Where You Live

It may seem like common sense that things such as how old you are and what vehicle you drive play a role in your car insurance premiums, but did you know that where you live can have just as much as an impact? Insurance is regulated on a state-by-state basis, so rates can differ quite a bit depending on which state you call home.

For example, the average Saturn Vue driver from New York pays about $126 per month for liability coverage, while the same owner in California will pay less than 50% of that price, on average. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change between states.

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Saturn Vue Car Insurance Discounts

Regardless of how old you are, which vehicle you drive, or what state you call home, using as many discounts as possible when it comes to your insurance is always in your best interest when shopping around for a policy.

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

• Multi-car discounts for insuring more than one of your vehicles with the same company
• Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than by monthly payments
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

While taking advantage of discounts is always a smart way to save money on your insurance, some of the best ways to save are just by having a good driving record and positive insurance profile.

You obviously can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), but you can control some of it. Below are just a few of the factors you can use in your favor in order to save on auto insurance:

Your Driving Record

You've most likely seen ads from insurance companies promoting large savings for responsible drivers. And you're probably not surprised to hear that your car insurance prices will increase if you get into an accident or get tickets for speeding. But exactly how much will these infractions cost you?

As you can see, accidents will usually cost Vue drivers more than tickets, but both will result in higher than average rates. Saturn Vue drivers with one ticket will pay an average of $93 a month, while drivers with a single accident on their record pay about $99 a month (up $24 from the $75/mo. overall average). The rates only go higher the more tickets you get or accidents you have.

How Much You Drive

The total amount of miles you drive each year affects your insurance premiums. Those who drive less are less likely to get speeding tickets, so they'll usually end up spending less on car insurance. Based on the table above, you can see that Saturn Vue owners who drive fewer than 2,500 miles each year pay about $73 monthly for auto insurance, while those who put 10,000 miles or more on their cars pay $77.

If you don't drive much because have a second vehicle or you work from home, you might consider a usage-based or pay-per-mile car 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 Vues Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Saturn Vue is on your shortlist, it might be helpful to do your homework. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.

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

Overall, the Saturn Vue has an MSRP that's in line with the going rate for a new vehicle. The average vehicle price in the U.S. is $29,720, and the Vue comes in close to that at $22,075. And since there hasn't been a new Vue model on the market recently, used prices will be even less expensive.

Although the purchase price is right in the middle of the spectrum, insurance rates run slightly below average when compared to the rest of the vehicle market. Full coverage insurance for a Saturn Vue is around $31 a month cheaper than average, while liability only coverage is per month.

When it comes to usage, Saturn Vue owners drive about the same amount annually as the national average, with 10,938 miles per year compared to 11,617 for all vehicles.

Saturn Vue Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect a driver's auto insurance premiums. If you're in the market for a new car, truck, or SUV and the Vue is on your wishlist, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

Choose Your Model

2010 Saturn Vue Car Insurance 2009 Saturn Vue Car Insurance 2008 Saturn Vue Car Insurance 2007 Saturn Vue Car Insurance 2006 Saturn Vue Car Insurance 2005 Saturn Vue Car Insurance 2004 Saturn Vue Car Insurance 2003 Saturn Vue Car Insurance 2002 Saturn Vue Car Insurance

2010 Saturn Vue Car Insurance

2010 Vue drivers can expect to pay an average of $81 monthly for liability or $138 for full coverage.

With rates as cheap as just $19 per month, ACG offered the lowest policy we found.

Want to find the best rates? Get lots of customized quotes for free by just entering your ZIP code below.

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2009 Saturn Vue Car Insurance

You can expect full coverage for a 2009 Saturn Vue to run about $153 a month, while liability only coverage will average around $85 per month.

With premiums as little as $18 monthly, Clearcover offered the most affordable policy we found for the 2009 Saturn Vue.

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

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2008 Saturn Vue Car Insurance

On average, drivers who own a 2008 Vue can expect to pay $78 to $138 a month for liability only and full coverage auto insurance, respectively.

Looking for the cheapest policy? Hugo offered liability only coverage for sometimes as low as $17 per month.

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

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2007 Saturn Vue Car Insurance

It costs about $80 a month for liability or $126 for a full coverage policy for the 2007 Saturn Vue.

TwentyFirstCentury has prices as cheap as $19 monthly for the 2007 Saturn Vue.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get several customized quotes for free.

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2006 Saturn Vue Car Insurance

The average cost to insure a 2006 Vue with liability only coverage is $77 a month, while full coverage runs around $133 monthly.

Gainsco offered the lowest policy we found, with rates as low as $18 per 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.

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2005 Saturn Vue Car Insurance

You can expect full coverage for a 2005 Saturn Vue to run about $122 a month, while liability only coverage will average around $69 per month.

If you're looking for the cheapest possible 2005 Saturn Vue insurance policy, Kemper offered the cheapest policy we found, with rates as low as just $19 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.

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2004 Saturn Vue Car Insurance

2004 Vue drivers can expect to pay an average of $70 a month for liability or $125 for full coverage.

We found Elephant offered the most affordable policy, with rates as little as just $18 monthly.

If you're looking for a more exact figure on what you should pay for insurance for a 2004 Saturn Vue, you can get free quotes in minutes by just entering your ZIP code below.

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2003 Saturn Vue Car Insurance

The average cost to insure a 2003 Saturn Vue with liability only coverage is $68 per month, while full coverage runs about $113 a month.

With rates sometimes as cheap as $17 monthly, Mile Auto offered the lowest policy we found for the 2003 Saturn Vue.

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

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2002 Saturn Vue Car Insurance

On average, drivers who own a 2002 Vue can expect to pay $75 to $102 per month for liability only and full coverage auto insurance, respectively.

Mercury has prices as low as $19 a month for the 2002 Saturn Vue.

Want to know exactly how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a range of personalized quotes from the nation's top insurance carriers.

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Saturn Vue Insurance FAQs

Is a Saturn Vue expensive to insure?

Liability insurance runs an average of $75 per month, while full coverage will cost you around $131. When compared to the national average of all SUVs, premiums come in on the lower end of the spectrum.

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

There's only one way to be sure you're getting the most affordable rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

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

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually a myth. There are multiple things insurance carriers use when they decide how much to charge you for a policy, but your Saturn Vue's color is not one of them.

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

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

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

You will find a bunch of different discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your vehicle and more on you, but if your Vue 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 contact your insurance company and ask about their discounts, since they fluctuate quite a bit from carrier to carrier.