In general, it is the states of the PN junctions inside the transistor which will determine what operation region it is in. However, after gathering some experience, one can deduce the states of the above junctions by inspecting the circuit itself without actually measuring the voltages at the terminals.
An example:
Lets analyze the circuit you've referenced.
Once the switch is closed a current of approximately \$1mA\$ will flow into the base, which will cause:
$$V_{BE} \approx 2V$$
Since this is higher than the minimum of \$0.6V-0.7V\$ for being out of cut-off - the transistor is in one of its operational modes. In reality, the Base-to-Emitter voltage will not rise much beyond \$0.6V-0.7V\$ (due to presence of protection resistor R1), which means that the Base current will be a bit higher than \$1mA\$.
Knowing that the motor is \$12V, 100mA\$, and that the transistor is capable of handling \$100mA\$ Collector-to-Emitter current, we can deduce that:
$$I_C = I_{Motor} \approx 100mA$$
Given that we know (from motor's specs) that the motor will consume \$100 mA\$ at \$12V\$, the voltage on the motor:
$$V_{Motor} \approx 12V$$
Which leads to:
$$V_C \approx 0V$$
But this means that Collector-to-Base junction is forward biased which implies that the transistor in saturation.
The above analysis is quite general for this configuration (full voltage rated motor switched by matching BJT), therefore, in majority of circuits like this one, the transistor will be in saturation.
Experienced engineers perform the analysis above at a glance, knowing that the transistor in saturation a second after they see the schematics.
The voltage divider rule between your two resistors does not work like you think because the base emitter junction of the BJT tends to go up to about 0.7V and then not go much higher whilst the current into the base can increase more and more. In other words the BE junction clamps the voltage level between the two resistors to about 0.7V.
When the R1 value is increased to a certain level the voltage at the BJT base lowers down below the 0.6 to 0.7V level and the transistor starts to shut off. At some point the voltage divider will begin to act like normal as the current into the base approaches zero.
ADDITIONAL INFORMATION
Since the OP is not yet quite getting it let me be specific with the examples that were posted. It is correct that at a voltage in range of 0.6 to 0.7V the transistor will begin to turn on.
Let's look at the 20K//1K case in the left picture. Assume for a moment that the transistor base is not connected to the two resistors. By the voltage divider equations the divider voltage is:
Vb = (Vsupply * R6)/(R5 + R6) = (12V * 1K)/(20K + 1K) = 0.571V
This voltage is less than the voltage needed to turn on a transistor so if you would reconnect the transistor base to the divider there will be virtually no current flowing into the base of the transistor and the voltage divider will remain near this 0.571V value.
Next step is to visualize what happens in the above equation when the R5 value is decreased. The divider voltage will increase slowly as the R5 value is decreased.
As R5 decreases more and more the Vb divider voltage will rise up to to the point where the transistor wants to begin turning on. That will be in the 0.6 to 0.7 voltage range. At this point the transistor base begins allowing some of the current from R5 to flow into the base of the transistor.
Be aware that transistors are current mode devices and are actually turned on when the current into the base starts to flow. Below the Vbe threshold the current is nearly zero. As the divider gets past the Vbe threshold the current into the base increases and the transistor starts to turn on.
Ok lets go back and decrease the value of R5 a little more. The lower resistance of R5 allows more current from the 12V supply to flow to R6 and the base of the transistor. The voltage across R5//R6 divider will no longer follow the above equation because the base of the transistor is placing a load on R5 and stealing current so that R6 does not get as much. The nature of the transistor base-emitter junction is that the current into the base can increase more and more whilst the voltage of the base will change only a little.
As I said before the base of the transistor begins to act like a clamp on the voltage divider not allowing the Vb to increase much above the 0.7V level as R5 is made increasingly smaller and smaller. Instead the base current increases to the point that the collector current starts to flow and the transistor eventually turns full on.
The amount of base current needed to turn the transistor full ON will depend on how much collector current is allowed to flow which is limited by components in the collector circuit. The relationship between the base current and the collector current is called the transistor gain or Beta. If the collector current is limited then the transistor will saturate to a Vce of near zero volts when the base current has reached a sufficient level.
It is possible to keep lowering the value of R5 more and more causing the base current to increase more. But beyond the level that caused saturation (Vce near zero) the Vb will only increase slightly and no additional collector current will flow because it has reached the level limited by the components in the collector circuit.
Best Answer
Using the saturated state means the output voltage doesn't depend on small variations of the input voltage.
Using the saturation region (or triode region for MOSFETs) can result in very low power consumption when the gate is kept stable in the 1 or 0 state.
However, there are logic families that use forward active mode for the output transistors in both 1 and 0 states. For example, ECL (emitter-coupled logic). The benefit of this is that the logic can switch more quickly due to no having to move enough charge in and out of the base region to move between the off and saturated states. The drawback is that ECL is more power-hungry than CMOS when the switching frequency is low.