Look, nobody wants to pay $25 a month for satellite radio. It’s too much. Especially when your phone connects to your car automatically and Spotify is sitting right there. But there is something about SiriusXM—the lack of cell service dead zones, the curated vibe of the DJs, or just having Howard Stern on a long road trip—that makes it hard to quit.
If you've been digging around for the sirius xm 3 years for $99 deal, you probably know it exists, but finding the actual "Subscribe" button is like hunting for a ghost. You see the Reddit threads. You see the expired links.
Honestly, the secret isn't a secret code. It’s a negotiation tactic.
What is the Sirius XM 3 years for $99 deal exactly?
Basically, this is a "win-back" or "retention" offer. SiriusXM usually markets it to people with older cars—specifically vehicles from 2015 or older—hoping to keep those older hardware units active. They call it the "Music & Entertainment" plan.
For ninety-nine bucks, you get three full years of service. If you do the math, that’s $2.75 a month. Compare that to their standard "Advantage" or "Platinum" rates that can balloon to over $20, and you're looking at a massive discount.
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But here is the catch: SiriusXM says it’s "by invitation only." They want you to think your 2024 Ford or 2026 Chevy doesn't qualify.
They're wrong.
How to get the deal even if your car is brand new
I’ve seen people get this deal on 2025 and 2026 models just this month. It’s totally possible. You just can’t expect to find it on the homepage.
- The Chat Method: Log into your account and open the chat window. Tell the agent you want to cancel. When they ask why, tell them it's too expensive. They’ll offer you $5 a month. Say no. They’ll offer you $4 a month. Say no. Then, specifically ask for the "3 years for $99 Music & Entertainment promo."
- The "Friend" Excuse: If the agent says your car is too new, tell them your friend just got the deal on their 2026 model. Be polite but firm. Many reps will "check with a supervisor" and suddenly find the code.
- The Cancel-and-Wait: If chat fails, actually cancel. Wait a week. Your mailbox (the physical one) will likely be hit with a "We Want You Back" flyer containing this exact offer.
One guy on Reddit recently mentioned he had to try three different agents before one finally pushed the $99 deal through for his brand new 2026 vehicle. It’s a bit of a crapshoot, but persistence pays off.
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What do you actually get for $99?
Don't expect the "Platinum" treatment. This deal usually covers the Music & Entertainment package.
- In-Car & App: You can listen in the driveway or on your phone.
- The Big Names: You get Howard Stern, which is usually the dealbreaker for most people.
- Sports: You'll get most play-by-play, though some specific premium sports tiers might be missing compared to Platinum.
- Ad-free Music: All the standard decades and genre stations (80s on 8, The Highway, etc.).
It’s worth noting that taxes and the "Music Royalty Fee" will be added on top. Usually, that $99 ends up being around $115 to $120 total once the government and the music industry take their cut. Still, for 36 months of radio, that’s a steal.
The 2026 Price Hike Warning
Timing is everything. In early 2026, SiriusXM announced a general price increase for most of their standard plans. While promotional rates like the sirius xm 3 years for $99 are usually "locked in," the fees surrounding them can change.
If you are currently on a month-to-month plan paying $6 or $7, you are essentially throwing money away. The 3-year deal protects you from the annual "I forgot to call and cancel so they charged me $30" headache.
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Is it worth the hassle?
Kinda depends on how much you value your time. If spending 20 minutes in a chat window saves you $500 over three years, it’s probably the best hourly rate you’ll earn all week.
Keep in mind, this plan does not automatically renew at the $99 price. In 2029, when the three years are up, they will try to roll you into a full-price plan. You’ll have to do the whole "cancel and negotiate" dance again. But that’s a problem for future you.
Your Next Steps:
Check your current plan status in the SiriusXM Online Account Center. If you are paying more than $5 a month, open the support chat right now. Don't ask if you're eligible—tell them you've seen the 36-month for $99 offer and you want it applied to your account or you’ll have to cancel and switch to Spotify. Most of the time, that’s all it takes to trigger the "special" approval.