Pontiac G3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Average auto insurance rates for a Pontiac G3 are $1,222 annually for full coverage insurance. Comprehensive costs on average $254, collision insurance costs $438, and liability costs around $372. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs around $2,634. Teen drivers receive the highest rates at up to $4,604 a year.

Average premium for full coverage: $1,222

Rate estimates by individual coverage type:

Comprehensive $254
Collision $438
Liability $372

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different G3 trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as cheap as $438 for minimum levels of liability insurance to a much higher rate of $2,634 for a driver who has had serious violations or accidents.

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

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.

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

These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, 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 illustrates average Pontiac G3 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $714
  • Using higher $1,000 deductibles will save around $158 each year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,222
  • Choosing more expensive low deductibles for physical damage coverage will cost $1,524
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,634
  • The cost with full coverage for a 16-year-old driver with full coverage may cost $4,604 or more

View Chart as Image

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

Car insurance rates for a Pontiac G3 can also vary considerably based on the trim level of your G3, your risk profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can be from 43% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $460 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Pontiac G3 insurance prices. A driver around age 40 might see rates as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,650 on average in Michigan, New York, and Florida.

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
Pontiac G3 Insurance Rates by Model Year
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 Buy Cheap Pontiac G3 Insurance

Saving money on insurance for a Pontiac G3 requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a brief summary of the ideas that were touched on in the above illustrations.

  • Drivers under the age of 20 are expensive to insure, costing up to $384 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,410 more each year to insure a Pontiac G3
  • Increasing deductibles could save up to $450 each year
  • It is possible to save as much as $140 per year just by shopping early and online

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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