Pontiac Vibe Insurance Rates

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UPDATED: Jun 4, 2023

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Average insurance rates for a Pontiac Vibe are $850 a year for full coverage insurance. Comprehensive insurance costs around $146 each year, collision costs $178, and liability is $390. A policy with just liability insurance costs around $438 a year, with coverage for high-risk drivers costing $1,818 or more. 16-year-old drivers receive the highest rates at $3,398 a year or more.

Average premium for full coverage: $850

Rate estimates for individual coverage type:

Comprehensive $146
Collision $178
Liability $390

Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Vibe models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the low end price of $438 for just liability coverage to a high rate of $1,818 for a high-risk insurance policy.

Liability Only $438
Full Coverage $850
High Risk $1,818

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $638
Small Cities $893
Large Cities $1,148

These examples illustrate why all drivers should compare rates quotes for a specific zip code, 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.

Detailed Rate Analysis

The chart below illustrates estimated Pontiac Vibe insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $519
  • Raising to $1,000 deductibles will save about $76 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $850
  • Buying low deductibles will cost an additional $138 annually
  • Drivers with multiple tickets or accidents could pay at least $1,818 or more
  • The cost that insures a 16-year-old driver can be $3,398

View Chart as Image

Pontiac Vibe insurance cost comparison chart
Column chart showing full coverage Pontiac Vibe insurance prices range from $519 to $3,398

Insurance rates for a Pontiac Vibe can also vary considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,000 to $1,400 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $800 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $3,300 a year. View Rates by Age

Where you live also has a big influence on Pontiac Vibe insurance prices. A middle-age driver might find rates as low as $560 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,150 on average in Michigan, New York, and Florida.

Pontiac Vibe Insurance Rates by State
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%

View Chart as Image

Pontiac Vibe insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $220 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Pontiac Vibe Insurance Rates by Model and Trim Level
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.

Pontiac Vibe Insurance Rates by Model Year
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 Find Cheaper Pontiac Vibe Insurance

Saving money on insurance for a Pontiac Vibe consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a condensed summary of the car insurance concepts illustrated above.

  • Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $970 more every year to buy Pontiac Vibe insurance
  • It is possible to save up to $90 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $225 each year
  • Insureds who may need increased levels of liability coverage will pay around $430 annually to raise from a minimum limit to the 250/500 level

Rates by Driver Age

Pontiac Vibe Insurance 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

Pontiac Vibe Insurance Rates with Different Deductibles
Deductible Premium
$100 $988
$250 $926
$500 $850
$1,000 $774

Full coverage, driver age 40

Rates by Liability Limit

Pontiac Vibe Insurance Rates with Different Liability Limits
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

Pontiac Vibe Insurance 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.

SR-22 Surcharge $112

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
Rate after discounts $519

Discounts are estimated and may not be available from every company or in every state.

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