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

Quick Facts

• A Saturn SL costs less than most other cars to insure.
• Liability only car insurance rates for a SL average about $66 monthly, while full coverage generally tends to be around $116 a month.
• ACG provides the cheapest average premiums for a SL with liability only coverage offered for as cheap as $30 per month.

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SL Overview

With base prices starting at just $10,570 for 2002 models, the Saturn SL is a great budget-friendly car for drivers of all types. There are four different trim levels currently offered, so there's something there for every driver.

We analyzed thousands of insurance quotes on Compare.com, and we've found that Saturn SL auto insurance prices run about $76 monthly, on average. But how does that compare to other cars on the market?

How Much is Car Insurance for a Saturn SL?

Looking at the table above, you can see that Saturn SL insurance premiums are lower than average compared to other vehicles. SL drivers can expect to pay around $66 a month for liability insurance, and about $116 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

When compared to other Saturn models, the SL is cheaper, with rates more than 10% lower than the rest of the manufacturer's vehicle lineup. Compared to offerings from other brands, car insurance for a SL is also more affordable, with full coverage insurance prices coming in around 34% less and 20% less for liability only insurance.

They're also more affordable to insure than the average vehicle overall, regardless of model, make, or body style.

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Who has the Cheapest Car Insurance for a Saturn SL?

If you're looking for a new auto insurance policy for your Saturn SL, you probably want to know which company offers the cheapest rates. Although there will never be one carrier that offers the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $30 a month from ACG. With car insurance as little as $32 per month, Ohio Mutual is the next lowest insurance company.

Oasis, MetroMile, and CSAA round out the end of the top 5 list. 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 SL.

After all, your results might be different, since auto insurance companies look at a variety of variables when calculating rates. By checking quotes from several insurance carriers at once, you can be confident you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Saturn SL?

As we mentioned above, there are a multitude of factors that car insurance companies consider to choose how much they charge for auto insurance -- and each carrier weighs certain attributes more than others, so there's not one company that's the most affordable for everyone.

Below are just a few of the things car insurance carriers look at and how each one affects your final rate:

Vehicle Age

Saturn has been making the SL for quite some time, so the car's age may make a big difference in how much you'll pay for insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.

A new Saturn SL 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 cheapest Saturn SLs to insure are those that are 11 to 14 years old, while the most expensive models are SLs that are 15 years old or more, on average.

Your Age

Age is another factor that plays a significant role in how much auto insurance companies will charge you for insurance. Based on the information above, the youngest SL drivers pay more compared to drivers with more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

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

Your Gender

You may not know, but auto insurance is typically cheaper for women than it is for men. This is because men are more likely to get into accidents and get speeding tickets, which increases the chances of an insurance claim. Surprisingly, when it comes to SL drivers specifically, women pay about $1 more than men per month for car insurance.

Where You Live

You were probably already aware that factors like how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live can have just as much as an impact? Insurance is regulated on the state level rather than nationally, so rates can differ quite a bit from state to state.

For example, the average Saturn SL driver in New York pays around $96 a month for liability coverage. Meanwhile, on average, the same owner from California will pay $47 less than that price. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change depending on where you live.

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Saturn SL Car Insurance Discounts

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

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

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

There are countless ways to save money on your auto insurance if you know where to look.

While you may not have control of every variable insurance carriers reference to calculate rates (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use in your favor when it comes to cost savings:

Your Driving Record

You've probably heard ads from car insurance companies offering large discounts for responsible drivers. It should be no surprise that if you get a ticket for speeding or get into a collision, auto insurance premiums will go higher. But you still might be left wondering exactly how much these infractions will cost you.

Based on the table above, accidents will usually cost SL drivers more than tickets, but both will result in higher than average rates. Saturn SL drivers with a single accident on their record pay an average of $90 each month (up $24 from the $66/mo. overall average), while drivers with one ticket will pay about $72 per month. Drivers with more than one of either violation will end up paying even more.

How Much You Drive

Another factor you have control over is the total distance you drive annually. Those who are on the roads less are more likely to go accident-free, so they'll normally end up spending less on insurance. Based on the table above, you can see that Saturn SL owners who drive less than 2,500 miles pay $68 for car insurance, while those who drive between 2,500 and 5,000 miles every year pay about $62 monthly.

If you don't use your Saturn SL to travel or commute regularly, it may be worth considering usage-based or pay-per-mile auto insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Saturn SLs Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Saturn SL is on your shortlist, it might be helpful to do your due diligence. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth taking into consideration.

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

As you can see, a Saturn SL is a great value when it comes to overall price tag. While the national average vehicle MSRP is $28,031, the SL has an MSRP of just $10,570. And since there hasn't been a new SL model on the market in the last few years, used prices will be even more affordable.

Similarly, car insurance prices are lower when compared to other vehicles on the market. Liability insurance for a Saturn SL is about $7 per month less than average, while full coverage is over $30 less a month.

However, it is worth noting that the SL owners tend to drive their cars less than the average American driver, with only 10,068 annual miles for the average owner.

Saturn SL Car Insurance Costs by Model Year

We've walked through many of the variables that can affect how much the average driver pays to insure a Saturn SL. If you're considering buying a new SL, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your choices.

Choose Your Model

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

2002 Saturn SL Car Insurance

It costs around $74 monthly for liability or $137 for a full coverage policy for the 2002 Saturn SL.

Jupiter offered the lowest policy we found, with rates as low as just $17 a month.

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

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2001 Saturn SL Car Insurance

The average cost to insure a 2001 SL with liability only coverage is $64 per month, while full coverage runs about $112 a month.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as cheap as just $18 monthly.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get several personalized quotes for free.

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2000 Saturn SL Car Insurance

2000 Saturn SL drivers can expect to pay an average of $63 per month for liability or $123 for full coverage.

With premiums as little as just $16 a month, Elephant offered the cheapest policy we found for the 2000 Saturn SL.

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.

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1999 Saturn SL Car Insurance

On average, drivers who own a 1999 SL can expect to pay $66 to $110 monthly for liability only and full coverage auto insurance, respectively.

We found MetroMile offered the lowest policy, with rates sometimes as little as $20 per month.

Want to find the cheapest rates? Enter your ZIP code below to get a variety of customized quotes for free.

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1998 Saturn SL Car Insurance

You can expect full coverage for a 1998 Saturn SL to run around $92 a month, while liability only coverage will average about $66 monthly.

With prices as low as $18 per month, Elephant offered the most affordable policy we found.

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

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1997 Saturn SL Car Insurance

On average, drivers who own a 1997 SL can expect to pay $62 to $99 a month for liability only and full coverage car insurance, respectively.

TwentyFirstCentury has premiums sometimes as cheap as $17 per month for the 1997 Saturn SL.

If you're looking for a more exact figure on what you should pay for insurance for a 1997 Saturn SL, you can get free quotes in minutes by just entering your ZIP code below.

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1996 Saturn SL Car Insurance

The average cost to insure a 1996 Saturn SL with liability only coverage is $68 monthly, while full coverage runs around $97 a month.

If you're looking for the most affordable 1996 Saturn SL insurance policy, Safeco offered the lowest policy we found, with rates 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 free quotes in minutes.

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1995 Saturn SL Car Insurance

1995 SL drivers can expect to pay an average of $58 monthly for liability or $109 for full coverage.

Sun Coast offered the most affordable policy we found, with rates as little as just $17 a month.

If you want to find the best prices for auto insurance for a 1995 Saturn SL, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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1994 Saturn SL Car Insurance

It costs about $57 per month for liability or $121 for a full coverage policy for the 1994 Saturn SL.

We found Good2Go offered the lowest policy, with rates sometimes as little as $20/mo monthly.

What will your car insurance premium be? Get multiple customized quotes for free by just entering your ZIP code below.

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1993 Saturn SL Car Insurance

You can expect full coverage for a 1993 SL to run around $69 per month, while liability only coverage will average about $48 monthly.

With rates as cheap as just $17 a month, Oasis offered the cheapest policy we found.

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

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1992 Saturn SL Car Insurance

1992 Saturn SL drivers can expect to pay an average of $65 per month for liability or $130 for full coverage.

Looking for the lowest policy? Mercury offered liability only coverage for as little as $22 monthly.

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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1991 Saturn SL Car Insurance

It costs around $84 a month for liability or undefined for a full coverage policy for the 1991 SL.

Jupiter has premiums sometimes as low as $23 monthly for the 1991 Saturn SL.

Want something more accurate than national averages? Get lots of personalized quotes for free by just entering your ZIP code below.

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Saturn SL Insurance FAQs

Is a Saturn SL expensive to insure?

The Saturn SL is relatively cheap to insure compared to the average vehicle. Liability insurance runs an average of $66 per month, while full coverage will cost you around $116.

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

There's only one way to confirm you're getting the most affordable rates -- regularly shopping around and comparing quotes from numerous carriers. 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 whole bunch of 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 SL affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not true. Even though there are a variety of things insurance carriers examine when they calculate how much you'll pay, your car's color is not factored into that equation.

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

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

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

There are a wide array of different discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the SL you drive, but if your SL has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you get in touch with your insurance carrier and ask about which discounts they offer, since they shift quite a bit from company to company.