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...
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UPDATED: Jun 4, 2023
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Estimated insurance rates for a Pontiac Vibe are $864 a year for full coverage. Comprehensive costs around $148, collision costs $182, and liability insurance is $398. Liability-only insurance costs around $444 a year, with high-risk driver insurance costing around $1,850. Teen drivers pay the most at $3,454 a year or more.
Average premium for full coverage: $864
Premium estimates for type of coverage:
These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different Vibe trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Pontiac Vibe go from the low end price of $444 for minimum levels of liability insurance to a much higher rate of $1,850 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than larger metro areas.
The price range example below illustrates how your location can change auto insurance rates.
These rate differences show why anyone shopping for car insurance should compare rates quotes for a specific zip code, 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.
Additional Rate Details
The chart below shows estimated Pontiac Vibe insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $527
- Raising to $1,000 deductibles will save about $76 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $864
- Choosing more expensive low deductibles bumps up the cost to $1,004
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,850 or more
- An auto insurance policy that insures a teen driver with full coverage can be $3,454
Insurance prices for a Pontiac Vibe also have a wide range based on the model year and trim level, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $1,000 to $1,500 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $3,400 a year. View Rates by Age
Where you choose to live also has a big influence on Pontiac Vibe insurance rates. A middle-age driver might find prices as low as $570 a year in states like Idaho, Maine, and Iowa, or as much as $1,230 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles can reduce prices by up to $220 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know your exact price is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, and prices will be substantially 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 Find Cheap Pontiac Vibe Insurance
Finding better rates on Pontiac Vibe insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and taking advantage of discounts. Shop around at every other renewal by getting quotes from direct carriers, and also from several local insurance agents.
The following is a brief summary of the concepts that were illustrated above.
- High-risk drivers that tend to have accidents or serious violations pay on average $990 more every year for Vibe insurance
- Teens are charged the highest prices, as much as $288 per month if comprehensive and collision insurance is included
- Drivers can save up to $100 per year simply by shopping early and online
- Increasing policy deductibles can save approximately $225 each year
- Drivers can save up to $100 per year simply by shopping early and online
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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