Pontiac Vibe Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 4, 2023
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U.S. average insurance prices for a Pontiac Vibe are $864 every 12 months for full coverage insurance. Comprehensive insurance costs around $148 each year, collision insurance costs $182, and liability is $398. Liability-only insurance costs around $444 a year, and high-risk driver insurance costs $1,850 or more. 16-year-old drivers pay the highest rates at up to $3,454 a year.
Average premium for full coverage: $864
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Vibe models.
Price Range from Low to High
For the average driver, Pontiac Vibe insurance prices range from the cheapest price of $444 for minimum levels of liability insurance to a high rate of $1,850 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities. The graphic below illustrates how location impacts auto insurance rates.
The ranges above illustrate why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on rate 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 Vibe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $527
- Raising to $1,000 deductibles will save about $76 each year
- The average price for the average middle-age driver using $500 deductibles is $864
- Buying low deductibles costs an extra $140 annually
- Drivers with multiple tickets or accidents could pay at least $1,850
- The price to insure a 16-year-old driver can be $3,454
Car insurance prices for a Pontiac Vibe are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce prices by up to $220 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $800 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $3,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,000 to $1,500 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 129% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on Pontiac Vibe insurance prices. A middle-age driver might find prices as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,170 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $780 | -$84 | -9.7% |
| Alaska | $664 | -$200 | -23.1% |
| Arizona | $714 | -$150 | -17.4% |
| Arkansas | $864 | -$0 | 0.0% |
| California | $982 | $118 | 13.7% |
| Colorado | $824 | -$40 | -4.6% |
| Connecticut | $886 | $22 | 2.5% |
| Delaware | $976 | $112 | 13.0% |
| Florida | $1,076 | $212 | 24.5% |
| Georgia | $798 | -$66 | -7.6% |
| Hawaii | $620 | -$244 | -28.2% |
| Idaho | $584 | -$280 | -32.4% |
| Illinois | $642 | -$222 | -25.7% |
| Indiana | $650 | -$214 | -24.8% |
| Iowa | $582 | -$282 | -32.6% |
| Kansas | $818 | -$46 | -5.3% |
| Kentucky | $1,178 | $314 | 36.3% |
| Louisiana | $1,278 | $414 | 47.9% |
| Maine | $534 | -$330 | -38.2% |
| Maryland | $712 | -$152 | -17.6% |
| Massachusetts | $686 | -$178 | -20.6% |
| Michigan | $1,498 | $634 | 73.4% |
| Minnesota | $724 | -$140 | -16.2% |
| Mississippi | $1,036 | $172 | 19.9% |
| Missouri | $766 | -$98 | -11.3% |
| Montana | $926 | $62 | 7.2% |
| Nebraska | $678 | -$186 | -21.5% |
| Nevada | $1,036 | $172 | 19.9% |
| New Hampshire | $622 | -$242 | -28.0% |
| New Jersey | $966 | $102 | 11.8% |
| New Mexico | $762 | -$102 | -11.8% |
| New York | $908 | $44 | 5.1% |
| North Carolina | $498 | -$366 | -42.4% |
| North Dakota | $708 | -$156 | -18.1% |
| Ohio | $594 | -$270 | -31.3% |
| Oklahoma | $884 | $20 | 2.3% |
| Oregon | $792 | -$72 | -8.3% |
| Pennsylvania | $822 | -$42 | -4.9% |
| Rhode Island | $1,152 | $288 | 33.3% |
| South Carolina | $782 | -$82 | -9.5% |
| South Dakota | $728 | -$136 | -15.7% |
| Tennessee | $754 | -$110 | -12.7% |
| Texas | $1,040 | $176 | 20.4% |
| Utah | $638 | -$226 | -26.2% |
| Vermont | $590 | -$274 | -31.7% |
| Virginia | $514 | -$350 | -40.5% |
| Washington | $666 | -$198 | -22.9% |
| West Virginia | $792 | -$72 | -8.3% |
| Wisconsin | $596 | -$268 | -31.0% |
| Wyoming | $768 | -$96 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Pontiac Vibe 1.8 | $828 | $69 |
| Pontiac Vibe 2.4 | $828 | $69 |
| Pontiac Vibe AWD | $880 | $73 |
| Pontiac Vibe GT | $880 | $73 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Pontiac Vibe | $152 | $202 | $402 | $892 |
| 2009 Pontiac Vibe | $148 | $182 | $398 | $864 |
| 2008 Pontiac Vibe | $146 | $178 | $390 | $850 |
| 2007 Pontiac Vibe | $144 | $168 | $384 | $832 |
| 2006 Pontiac Vibe | $132 | $160 | $380 | $808 |
| 2005 Pontiac Vibe | $126 | $152 | $376 | $790 |
Rates are averaged for all Pontiac Vibe 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 Affordable Pontiac Vibe Insurance
Getting lower rates on insurance for a Pontiac Vibe consists of avoiding accidents and claims, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief review of the information touched on above.
- It is possible to save up to $100 per year just by quoting online in advance
- Drivers under the age of 20 are the costliest to insure, as much as $288 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $225 each year
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $990 more every year to insure a Pontiac Vibe
- Insureds who may need increased liability limits will pay around $440 annually to raise from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,454 |
| 20 | $1,962 |
| 30 | $878 |
| 40 | $864 |
| 50 | $794 |
| 60 | $778 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,004 |
| $250 | $940 |
| $500 | $864 |
| $1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $864 |
| 50/100 | $960 |
| 100/300 | $1,059 |
| 250/500 | $1,318 |
| 100 CSL | $999 |
| 300 CSL | $1,218 |
| 500 CSL | $1,378 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,864 |
| 20 | $3,126 |
| 30 | $1,866 |
| 40 | $1,850 |
| 50 | $1,766 |
| 60 | $1,750 |
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 | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $58 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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