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 for full coverage. Comprehensive insurance costs around $254 each year, collision costs $438, and liability is estimated at $372. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing $2,634 or more. Teen drivers receive the highest rates at $4,604 a year or more.
Average premium for full coverage: $1,222
Rate estimates for individual coverage type:
Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and G3 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $438 for minimum levels of liability insurance to a high rate of $2,634 for high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples show why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.
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 shows estimated Pontiac G3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $714
- Choosing higher $1,000 deductibles can save about $158 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,222
- Choosing low deductibles for comp and collision coverage costs an extra $302 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,634 or more
- The cost to insure a 16-year-old driver can be $4,604 each year
Car insurance rates for a Pontiac G3 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing high deductibles can save as much as $460 annually, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers ranges from 43% to 128% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Pontiac G3 insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,740 on average in Michigan, Louisiana, and New York.
| 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 only way to know your exact price is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes 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 the Right Pontiac G3 Insurance
Saving money on insurance for a Pontiac G3 takes being a low-risk driver, maintaining a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Set aside time to shop around every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a quick rundown of the material that was raised in the charts and tables above.
- Insureds who may need more liability coverage will pay about $410 each year to raise limits from a minimum limit to a 250/500 level
- Teen drivers are the costliest to insure, costing as high as $384 per month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,410 more every year to insure their G3
- Increasing deductibles could save as much as $450 each year
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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