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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The average insurance prices for a Pontiac G3 are $1,222 every 12 months for full coverage. Comprehensive insurance costs approximately $254, collision costs $438, and liability costs $372. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing $2,634 or more. Teenage drivers cost the most to insure at $4,604 a year or more.
Average premium for full coverage: $1,222
Policy rates by type of insurance:
Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different G3 trim levels.
Price Range Variability
For the average driver, Pontiac G3 insurance rates go from the cheapest price of $438 for a discount liability-only rate to a much higher rate of $2,634 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities.
The price range example below illustrates how location impacts auto insurance prices.
The examples above show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below shows estimated Pontiac G3 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $714
- Drivers who choose higher $1,000 deductibles will pay $158 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,222
- Using more expensive low deductibles for comprehensive and collision insurance costs an extra $302 annually
- Drivers who are prone to accidents and violations could pay around $2,634 or more
- Policy cost to insure a 16-year-old driver with full coverage can cost $4,604 a year
Insurance rates for a Pontiac G3 also range considerably based on liability limits and deductibles, your driver profile, and the model of your G3.
Using high physical damage deductibles could save up to $460 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Pontiac G3 insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,740 on average in New York, Louisiana, 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% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Every company uses a different method to calculate rates, so the rates will be varied.
| 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 Low Cost Pontiac G3 Insurance
Finding cheaper rates on insurance for a Pontiac G3 not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The list below is a review of the data that was touched on above.
- Drivers can save around $140 per year simply by shopping early and online
- Insureds who purchase higher liability limits will pay an extra $410 each year to go from a 30/60 limit to a 250/500 level
- Teenagers are expensive to insure, costing up to $384 each month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,410 more per year for car 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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