Pontiac Vibe Insurance Rates

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

Average premium for full coverage: $850

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Vibe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $519
• Choosing higher $1,000 deductibles can save $774 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $850
• Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $988
• High-risk insureds with multiple violations and an at-fault accident could pay around $1,818 or more
• Policy cost that insures a teen driver can cost $3,398 each year

View Chart as Image

Insurance rates for a Pontiac Vibe also range considerably based on the trim level of your Vibe, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,000 to $1,400 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 131% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared 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 rates. A good driver about age 40 could pay as low as $650 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,210 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $220 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and rates will be varied.

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 Cheap Pontiac Vibe Insurance

Finding cheaper rates on Pontiac Vibe insurance takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around at least every other year by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a brief summary of the car insurance concepts illustrated above.

• High-risk drivers that tend to have accidents or serious violations will likely pay on average $970 more per year than a safer driver
• You may be able to save around $90 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Drivers who purchase an increased level of liability coverage will pay about $430 per year to raise limits from a 30/60 limit to the 250/500 level