Pontiac G3 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
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Average insurance prices for a Pontiac G3 are $1,222 every 12 months including full coverage. Comprehensive costs approximately $254 each year, collision costs $438, and liability coverage is $372. A policy with just liability insurance costs around $438 a year, with coverage for high-risk drivers costing around $2,634. Teenage drivers receive the highest rates at $4,604 a year or more.
Average premium for full coverage: $1,222
Rate estimates by individual coverage type:
These estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and G3 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $438 for minimum levels of liability insurance to a high rate of $2,634 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates how your location can change auto insurance prices.
These examples highlight why all drivers should compare rates quotes using their specific location and their own driving history, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down estimated Pontiac G3 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $714
- Raising to $1,000 deductibles will save $158 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,222
- Using low deductibles increases the price to $1,524
- Unlucky drivers who are prone to accidents and violations could pay around $2,634 or more
- The cost to insure a teenage driver can cost $4,604
Insurance rates for a Pontiac G3 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your G3.
Using high physical damage deductibles can reduce rates by up to $460 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 128% more than a normal policy. View High Risk Driver Rates
Where you live also has a big influence on Pontiac G3 insurance rates. A middle-age driver might find rates as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,740 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,104 | -$118 | -9.7% |
| Alaska | $938 | -$284 | -23.2% |
| Arizona | $1,014 | -$208 | -17.0% |
| Arkansas | $1,222 | -$0 | 0.0% |
| California | $1,392 | $170 | 13.9% |
| Colorado | $1,168 | -$54 | -4.4% |
| Connecticut | $1,256 | $34 | 2.8% |
| Delaware | $1,384 | $162 | 13.3% |
| Florida | $1,530 | $308 | 25.2% |
| Georgia | $1,128 | -$94 | -7.7% |
| Hawaii | $878 | -$344 | -28.2% |
| Idaho | $826 | -$396 | -32.4% |
| Illinois | $910 | -$312 | -25.5% |
| Indiana | $918 | -$304 | -24.9% |
| Iowa | $824 | -$398 | -32.6% |
| Kansas | $1,162 | -$60 | -4.9% |
| Kentucky | $1,668 | $446 | 36.5% |
| Louisiana | $1,808 | $586 | 48.0% |
| Maine | $754 | -$468 | -38.3% |
| Maryland | $1,008 | -$214 | -17.5% |
| Massachusetts | $978 | -$244 | -20.0% |
| Michigan | $2,124 | $902 | 73.8% |
| Minnesota | $1,022 | -$200 | -16.4% |
| Mississippi | $1,464 | $242 | 19.8% |
| Missouri | $1,082 | -$140 | -11.5% |
| Montana | $1,312 | $90 | 7.4% |
| Nebraska | $966 | -$256 | -20.9% |
| Nevada | $1,466 | $244 | 20.0% |
| New Hampshire | $880 | -$342 | -28.0% |
| New Jersey | $1,366 | $144 | 11.8% |
| New Mexico | $1,082 | -$140 | -11.5% |
| New York | $1,288 | $66 | 5.4% |
| North Carolina | $704 | -$518 | -42.4% |
| North Dakota | $1,000 | -$222 | -18.2% |
| Ohio | $842 | -$380 | -31.1% |
| Oklahoma | $1,256 | $34 | 2.8% |
| Oregon | $1,120 | -$102 | -8.3% |
| Pennsylvania | $1,168 | -$54 | -4.4% |
| Rhode Island | $1,630 | $408 | 33.4% |
| South Carolina | $1,108 | -$114 | -9.3% |
| South Dakota | $1,032 | -$190 | -15.5% |
| Tennessee | $1,072 | -$150 | -12.3% |
| Texas | $1,472 | $250 | 20.5% |
| Utah | $906 | -$316 | -25.9% |
| Vermont | $836 | -$386 | -31.6% |
| Virginia | $732 | -$490 | -40.1% |
| Washington | $946 | -$276 | -22.6% |
| West Virginia | $1,120 | -$102 | -8.3% |
| Wisconsin | $848 | -$374 | -30.6% |
| Wyoming | $1,090 | -$132 | -10.8% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2009 Pontiac G3 | $120 | $146 | $460 | $884 |
Rates are averaged for all Pontiac G3 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheap Pontiac G3 Insurance
Saving money on auto insurance consists of having a good driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The next list is a brief summary of the data that was illustrated above.
- You may be able to save around $140 per year simply by quoting online in advance
- Consumers who purchase increased levels of liability coverage will pay an extra $410 per year to raise from a minimum limit to a 250/500 level
- Drivers age 20 and younger are the costliest to insure, as much as $384 per month if full coverage is included
- Drivers that tend to have accidents or serious violations could be charged and average of $1,410 more per year to buy Pontiac G3 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,604 |
| 20 | $2,814 |
| 30 | $1,270 |
| 40 | $1,222 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,524 |
| $250 | $1,386 |
| $500 | $1,222 |
| $1,000 | $1,064 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,222 |
| 50/100 | $1,296 |
| 100/300 | $1,389 |
| 250/500 | $1,631 |
| 100 CSL | $1,334 |
| 300 CSL | $1,538 |
| 500 CSL | $1,687 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,544 |
| 20 | $4,468 |
| 30 | $2,686 |
| 40 | $2,634 |
| 50 | $2,514 |
| 60 | $2,490 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $54 |
| Advance Quote | $59 |
| Online Quote | $85 |
| Total Discounts | $508 |
Discounts are estimated and may not be available from every company or in every state.
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