Pontiac G3 Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance prices for a Pontiac G3 are $924 every 12 months for full coverage insurance. Comprehensive costs approximately $126 each year, collision insurance costs $166, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $1,994. Teens cost the most to insure at up to $3,826 a year.
Average premium for full coverage: $924
Policy rates by type of insurance:
Rates are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and G3 models.
Price Range Variability
Using a middle-aged driver as an example, Pontiac G3 insurance rates range from the cheapest price of $522 for minimum levels of liability insurance to a high rate of $1,994 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.
The examples above illustrate why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based on averaged prices.
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 illustrates average Pontiac G3 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $566
- Choosing higher $1,000 deductibles can save $66 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $924
- Selecting low deductibles for comp and collision coverage increases the price to $1,050
- Higher-risk drivers with serious driving violations could pay around $1,994
- Policy cost to insure a 16-year-old driver can cost $3,826 each year
Auto insurance rates for a Pontiac G3 also range considerably based on liability limits and deductibles, your risk profile, and the model of your G3.
Choosing higher comprehensive and collision insurance deductibles can save as much as $200 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $3,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 42% to 132% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Pontiac G3 insurance prices. A good driver about age 40 could pay as low as $610 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,250 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $836 | -$88 | -9.5% |
| Alaska | $708 | -$216 | -23.4% |
| Arizona | $766 | -$158 | -17.1% |
| Arkansas | $924 | -$0 | 0.0% |
| California | $1,054 | $130 | 14.1% |
| Colorado | $882 | -$42 | -4.5% |
| Connecticut | $952 | $28 | 3.0% |
| Delaware | $1,046 | $122 | 13.2% |
| Florida | $1,156 | $232 | 25.1% |
| Georgia | $852 | -$72 | -7.8% |
| Hawaii | $664 | -$260 | -28.1% |
| Idaho | $624 | -$300 | -32.5% |
| Illinois | $688 | -$236 | -25.5% |
| Indiana | $694 | -$230 | -24.9% |
| Iowa | $622 | -$302 | -32.7% |
| Kansas | $880 | -$44 | -4.8% |
| Kentucky | $1,262 | $338 | 36.6% |
| Louisiana | $1,366 | $442 | 47.8% |
| Maine | $570 | -$354 | -38.3% |
| Maryland | $762 | -$162 | -17.5% |
| Massachusetts | $740 | -$184 | -19.9% |
| Michigan | $1,606 | $682 | 73.8% |
| Minnesota | $774 | -$150 | -16.2% |
| Mississippi | $1,106 | $182 | 19.7% |
| Missouri | $820 | -$104 | -11.3% |
| Montana | $990 | $66 | 7.1% |
| Nebraska | $728 | -$196 | -21.2% |
| Nevada | $1,108 | $184 | 19.9% |
| New Hampshire | $664 | -$260 | -28.1% |
| New Jersey | $1,032 | $108 | 11.7% |
| New Mexico | $820 | -$104 | -11.3% |
| New York | $974 | $50 | 5.4% |
| North Carolina | $532 | -$392 | -42.4% |
| North Dakota | $756 | -$168 | -18.2% |
| Ohio | $636 | -$288 | -31.2% |
| Oklahoma | $948 | $24 | 2.6% |
| Oregon | $846 | -$78 | -8.4% |
| Pennsylvania | $882 | -$42 | -4.5% |
| Rhode Island | $1,232 | $308 | 33.3% |
| South Carolina | $836 | -$88 | -9.5% |
| South Dakota | $780 | -$144 | -15.6% |
| Tennessee | $810 | -$114 | -12.3% |
| Texas | $1,114 | $190 | 20.6% |
| Utah | $684 | -$240 | -26.0% |
| Vermont | $634 | -$290 | -31.4% |
| Virginia | $554 | -$370 | -40.0% |
| Washington | $714 | -$210 | -22.7% |
| West Virginia | $846 | -$78 | -8.4% |
| Wisconsin | $640 | -$284 | -30.7% |
| Wyoming | $824 | -$100 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2009 Pontiac G3 | $126 | $166 | $474 | $924 |
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 Best Cheap Pontiac G3 Insurance
Finding cheaper rates on insurance for a Pontiac G3 takes not taking risks behind the wheel, having a good credit score, being claim-free, and possibly higher deductibles. Take the time to comparison shop every time your policy renews by requesting quotes from direct insurance companies, and also from local insurance agencies.
The following is a quick review of the information touched on in the above illustrations.
- It is possible to save around $100 per year just by quoting online in advance
- Teens have the highest car insurance rates, possibly costing $319 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save as much as $200 each year
- Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,070 more per year for G3 insurance
- Insureds who purchase higher liability limits will pay approximately $520 annually to raise limits from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,826 |
| 20 | $2,122 |
| 30 | $932 |
| 40 | $924 |
| 50 | $850 |
| 60 | $832 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,050 |
| $250 | $992 |
| $500 | $924 |
| $1,000 | $858 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $924 |
| 50/100 | $1,019 |
| 100/300 | $1,137 |
| 250/500 | $1,445 |
| 100 CSL | $1,066 |
| 300 CSL | $1,327 |
| 500 CSL | $1,517 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,374 |
| 20 | $3,386 |
| 30 | $2,000 |
| 40 | $1,994 |
| 50 | $1,908 |
| 60 | $1,888 |
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 | $46 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $54 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $31 |
| Advance Quote | $40 |
| Online Quote | $61 |
| Total Discounts | $358 |
Discounts are estimated and may not be available from every company or in every state.
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