Pontiac G3 Insurance Rates

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UPDATED: Jun 4, 2023

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U.S. average auto insurance rates for a Pontiac G3 are $1,222 annually including full coverage. Comprehensive costs on average $254, collision costs $438, and liability is estimated at $372. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing around $2,634. Teens pay the highest rates at $4,604 a year or more.

Average premium for full coverage: $1,222

Price estimates by individual coverage:

Comprehensive $254
Collision $438
Liability $372

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different G3 trim levels.

Price Range from Low to High

For the average driver, Pontiac G3 insurance prices go from as cheap as $438 for just the minimum liability insurance to a much higher rate of $2,634 for a high-risk insurance policy.

Liability Only $438
Full Coverage $1,222
High Risk $2,634

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts car insurance rates.

Rural Areas $917
Small Cities $1,283
Large Cities $1,650

The ranges above highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of using 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 Analysis

The chart below breaks down estimated Pontiac G3 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $714
  • Choosing higher $1,000 deductibles can save around $158 every year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,222
  • Selecting more expensive low deductibles for comp and collision coverage will cost $1,524
  • Unlucky drivers with serious driving violations could pay upwards of $2,634 or more
  • The price with full coverage for a teen driver with full coverage may cost $4,604 each year

View Chart as Image

Pontiac G3 insurance cost comparison chart
Column chart showing full coverage Pontiac G3 insurance rates range from $714 to $4,604

Auto insurance prices for a Pontiac G3 are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance ranges as much as 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $460 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Pontiac G3 insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,740 on average in Michigan, New York, and Louisiana.

Pontiac G3 Insurance Rates by State
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%

View Chart as Image

Pontiac G3 insurance rates by U.S. city

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, and quoted prices may be quite different between companies.

Pontiac G3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2009 Pontiac G3 $122 $150 $468 $898

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 Buy the Best Pontiac G3 Insurance

Getting lower rates on car insurance takes being safe and accident-free, having above-average credit, being claim-free, and taking advantage of discounts. Spend time shopping around at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief recap of the car insurance concepts touched on above.

  • Higher risk drivers who tend to receive serious violations pay on average $1,410 more each year than a low-risk driver
  • You may be able to save as much as $140 per year simply by shopping early and online
  • Increasing physical damage deductibles could save up to $450 each year
  • Policyholders who require more liability protection will pay approximately $410 per year to raise limits from a low limit to higher 250/500 limits

Rates by Driver Age

Pontiac G3 Insurance 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

Pontiac G3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,524
$250 $1,386
$500 $1,222
$1,000 $1,064

Full coverage, driver age 40

Rates by Liability Limit

Pontiac G3 Insurance Rates with Different Liability Limits
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

Pontiac G3 Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $714

Discounts are estimated and may not be available from every company or in every state.

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