Pontiac Vibe Insurance Rates

The average insurance rates for a Pontiac Vibe are $850 a year including full coverage. Comprehensive insurance costs approximately $146 each year, collision costs $178, and liability is estimated at $390. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing $1,818 or more. Teens cost the most to insure at $3,398 a year or more.

Average premium for full coverage: $850

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Vibe models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance prices.

The examples above highlight why all drivers should get quotes using their specific location and risk profile, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down estimated Pontiac Vibe insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $519
• Choosing higher $1,000 deductibles can save $76 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $850
• Selecting low deductibles for comp and collision coverage will cost an extra $138 annually
• Higher-risk drivers with serious driving violations could pay around $1,818 or more
• Policy cost for full coverage for a 16-year-old driver can cost $3,398 each year

View Chart as Image

Insurance rates for a Pontiac Vibe also range considerably based on your risk profile, the model of your Vibe, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $3,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Pontiac Vibe insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,210 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $220 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers ranges from 41% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Pontiac Vibe Insurance

Finding cheaper rates on insurance for a Pontiac Vibe takes avoiding accidents and violations, maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a brief recap of the information covered in the charts and tables above.

• You may be able to save around $90 per year simply by quoting online in advance
• Teenagers are expensive to insure, with premiums being up to $283 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $225 each year
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $970 more per year for car insurance
• Insureds who purchase higher liability limits will pay approximately $430 per year to raise limits from a 30/60 limit to 250/500 limits