Pontiac G3 Insurance Rates

The average insurance rates for a Pontiac G3 are $1,222 a year with full coverage. Comprehensive costs approximately $254 a year, collision insurance costs $438, and liability coverage costs $372. A liability-only policy costs as little as $438 a year, and high-risk insurance costs around $2,634. 16-year-old drivers cost the most to insure at up to $4,604 a year.

Average premium for full coverage: $1,222

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and G3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location, rather than using rate averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details average Pontiac G3 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $714
• Drivers who choose higher $1,000 deductibles will pay $1,064 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,222
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,524
• High-risk insureds with multiple tickets or accidents could pay around $2,634
• Policy cost that insures a teenage driver can cost $4,604 a year

View Chart as Image

Car insurance rates for a Pontiac G3 also range considerably based on the trim level of your G3, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 128% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

Your home state makes a big difference in Pontiac G3 insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or at least $1,650 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $460 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Right Pontiac G3 Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a positive credit history, not filing small claims, and attention to physical damage deductibles. Comparison shop every other policy renewal by requesting quotes from direct companies, and also from local insurance agencies.

The items below are a quick rundown of the ideas that were covered in the above illustrations.

• Teen drivers pay the highest auto insurance rates, as much as $384 each month if full coverage is purchased
• Drivers with reckless driving or DUI convictions may have to pay on average $1,410 more per year to insure their G3
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• You may be able to save around $140 per year just by quoting early and online