Pontiac G3 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 4, 2023
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Estimated insurance rates for a Pontiac G3 are $1,222 a year for full coverage insurance. Comprehensive insurance costs around $254 a year, collision costs $438, and liability is $372. Liability-only coverage costs around $438 a year, with high-risk coverage costing $2,634 or more. Teenage drivers pay the most at $4,604 a year or more.
Average premium for full coverage: $1,222
Premium estimates for type of coverage:
Rates are based on $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and G3 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Pontiac G3 go from as low as $438 for your basic liability-only policy to a high of $2,634 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than densely populated cities.
The diagram below illustrates how location helps determine auto insurance rates.
These rate differences illustrate why it is important to compare rates quotes for a specific zip code and risk profile, 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.
More Rate Information
The chart below illustrates estimated Pontiac G3 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $714
- Raising to $1,000 deductibles will save about $1,064 each year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,222
- Using low $100 deductibles will cost an extra $302 annually
- Drivers who are prone to accidents and violations could pay at least $2,634 or more
- An auto insurance policy for full coverage for a 16-year-old driver can be $4,604
Insurance prices for a Pontiac G3 also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age
Where you choose to live also has a big influence on Pontiac G3 insurance prices. A middle-age driver might find prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,650 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles can reduce prices by up to $460 annually, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at least $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different from one company to the next.
| 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 Find the Best Cheap Pontiac G3 Insurance
Finding better rates on insurance for a Pontiac G3 consists of not taking risks behind the wheel, maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a quick review of the material that was covered in the charts and tables above.
- Insureds who may need higher liability limits will pay an extra $410 annually to raise from 30/60 bodily injury limits to 250/500 limits
- Teens pay higher prices, with premiums being up to $384 per month for full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,410 more every year for G3 insurance
- Increasing policy deductibles can save around $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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