Pontiac Vibe Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
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U.S. average insurance prices for a Pontiac Vibe are $850 every 12 months for full coverage insurance. Comprehensive insurance costs on average $146, collision costs $178, and liability costs $390. A policy with just liability insurance costs as little as $438 a year, with coverage for high-risk drivers costing $1,818 or more. Teenage drivers pay the highest rates at $3,398 a year or more.
Average premium for full coverage: $850
Price estimates by individual coverage:
Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all Vibe models.
Price Range from Low to High
For a 40-year-old driver, Pontiac Vibe insurance prices go from the cheapest price of $438 for just the minimum liability insurance to the much higher price of $1,818 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can have significant affects on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.
The example below illustrates how your location can change car insurance rates.
The ranges above illustrate why everyone should compare rates based on a specific location and their own driving history, instead of using average rates.
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 illustrates estimated Pontiac Vibe insurance rates for different risk profiles and scenarios.
- The best discount rate is $519
- Drivers who choose higher $1,000 deductibles will pay around $76 each year
- The average price for the average middle-age driver with $500 deductibles is $850
- Using pricier low deductibles for comprehensive and collision insurance costs an extra $138 every year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,818 or more
- The price to insure a teen driver for full coverage may cost $3,398 a year
Insurance prices for a Pontiac Vibe are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Vibe.
Using high physical damage deductibles could save up to $220 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $800 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $3,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,000 to $1,400 extra each year, depending on your age. Pontiac Vibe insurance for high-risk drivers can cost as much as 41% to 131% more than a normal policy. View High Risk Driver Rates
The state you live in makes a big difference in Pontiac Vibe insurance prices. A 40-year-old driver could pay as low as $560 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,150 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $768 | -$82 | -9.6% |
| Alaska | $652 | -$198 | -23.3% |
| Arizona | $704 | -$146 | -17.2% |
| Arkansas | $850 | -$0 | 0.0% |
| California | $968 | $118 | 13.9% |
| Colorado | $812 | -$38 | -4.5% |
| Connecticut | $872 | $22 | 2.6% |
| Delaware | $958 | $108 | 12.7% |
| Florida | $1,060 | $210 | 24.7% |
| Georgia | $786 | -$64 | -7.5% |
| Hawaii | $610 | -$240 | -28.2% |
| Idaho | $574 | -$276 | -32.5% |
| Illinois | $632 | -$218 | -25.6% |
| Indiana | $640 | -$210 | -24.7% |
| Iowa | $572 | -$278 | -32.7% |
| Kansas | $806 | -$44 | -5.2% |
| Kentucky | $1,158 | $308 | 36.2% |
| Louisiana | $1,256 | $406 | 47.8% |
| Maine | $526 | -$324 | -38.1% |
| Maryland | $700 | -$150 | -17.6% |
| Massachusetts | $676 | -$174 | -20.5% |
| Michigan | $1,472 | $622 | 73.2% |
| Minnesota | $712 | -$138 | -16.2% |
| Mississippi | $1,016 | $166 | 19.5% |
| Missouri | $756 | -$94 | -11.1% |
| Montana | $910 | $60 | 7.1% |
| Nebraska | $668 | -$182 | -21.4% |
| Nevada | $1,016 | $166 | 19.5% |
| New Hampshire | $612 | -$238 | -28.0% |
| New Jersey | $948 | $98 | 11.5% |
| New Mexico | $748 | -$102 | -12.0% |
| New York | $894 | $44 | 5.2% |
| North Carolina | $490 | -$360 | -42.4% |
| North Dakota | $698 | -$152 | -17.9% |
| Ohio | $584 | -$266 | -31.3% |
| Oklahoma | $872 | $22 | 2.6% |
| Oregon | $778 | -$72 | -8.5% |
| Pennsylvania | $806 | -$44 | -5.2% |
| Rhode Island | $1,132 | $282 | 33.2% |
| South Carolina | $770 | -$80 | -9.4% |
| South Dakota | $716 | -$134 | -15.8% |
| Tennessee | $744 | -$106 | -12.5% |
| Texas | $1,024 | $174 | 20.5% |
| Utah | $630 | -$220 | -25.9% |
| Vermont | $582 | -$268 | -31.5% |
| Virginia | $508 | -$342 | -40.2% |
| Washington | $654 | -$196 | -23.1% |
| West Virginia | $778 | -$72 | -8.5% |
| Wisconsin | $584 | -$266 | -31.3% |
| Wyoming | $756 | -$94 | -11.1% |
Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Pontiac Vibe 1.8 | $814 | $68 |
| Pontiac Vibe 2.4 | $814 | $68 |
| Pontiac Vibe AWD | $866 | $72 |
| Pontiac Vibe GT | $866 | $72 |
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 | $148 | $182 | $398 | $864 |
| 2009 Pontiac Vibe | $146 | $178 | $390 | $850 |
| 2008 Pontiac Vibe | $144 | $168 | $384 | $832 |
| 2007 Pontiac Vibe | $132 | $160 | $380 | $808 |
| 2006 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 Low Cost Pontiac Vibe Insurance
Getting lower rates on car insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and bundling your home and auto policies. Invest the time to shop around at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a review of the concepts that were illustrated above.
- Higher risk drivers who have several accidents or serious violations pay on average $970 more each year to insure their Vibe
- Teen drivers pay the highest prices, as much as $283 a month if they have full coverage
- It is possible to save as much as $90 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $225 each year
- It is possible to save as much as $90 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,398 |
| 20 | $1,932 |
| 30 | $864 |
| 40 | $850 |
| 50 | $780 |
| 60 | $764 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $988 |
| $250 | $926 |
| $500 | $850 |
| $1,000 | $774 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $850 |
| 50/100 | $944 |
| 100/300 | $1,042 |
| 250/500 | $1,295 |
| 100 CSL | $983 |
| 300 CSL | $1,198 |
| 500 CSL | $1,354 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,786 |
| 20 | $3,074 |
| 30 | $1,836 |
| 40 | $1,818 |
| 50 | $1,738 |
| 60 | $1,718 |
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 | $43 |
| Multi-vehicle | $45 |
| Homeowner | $15 |
| 5-yr Accident Free | $51 |
| 5-yr Claim Free | $53 |
| Paid in Full/EFT | $30 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $331 |
Discounts are estimated and may not be available from every company or in every state.
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