Pontiac Vibe Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance prices for a Pontiac Vibe are $864 every 12 months for full coverage insurance. Comprehensive costs an estimated $148 each year, collision costs $182, and liability insurance is $398. Liability-only coverage costs around $444 a year, with high-risk coverage costing around $1,850. Teen drivers receive the highest rates at $3,454 a year or more.
Average premium for full coverage: $864
Rate estimates broken down by individual coverage type:
Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Vibe models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $444 for just liability insurance to a high rate of $1,850 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas.
The graphic below illustrates how where you live affects insurance prices.
These examples illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, rather than relying 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.
More Rate Details
The chart below illustrates estimated Pontiac Vibe insurance rates for other coverage scenarios.
- The lowest rate with discounts is $527
- Raising to $1,000 deductibles will save approximately $76 each year
- The average price for a 40-year-old driver who has $500 deductibles is $864
- Choosing low deductibles increases the price to $1,004
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,850 or more
- The cost to insure a teen driver can cost as much as $3,454
Car insurance rates for a Pontiac Vibe can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing high deductibles can reduce rates by up to $220 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost 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 could pay as little as $800 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $3,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,000 to $1,500 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates
Where you live also has a big influence on Pontiac Vibe insurance rates. A middle-age driver might find rates as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,170 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different.
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 the Cheapest Pontiac Vibe Insurance
Saving money on Pontiac Vibe insurance consists of being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The items below are a recap of the car insurance concepts touched on in the above illustrations.
- High-risk drivers that have major violations or accidents could be forced to pay on average $990 more annually to insure their Vibe
- It is possible to save approximately $100 per year simply by quoting online in advance
- Increasing deductibles could save as much as $225 each year
- Drivers who want more liability coverage will pay about $440 annually to raise from a minimum 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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