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 auto insurance rates for a Pontiac Vibe are $850 annually for full coverage insurance. Comprehensive costs approximately $146 each year, collision insurance costs $178, and liability insurance is estimated at $390. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs around $1,818. Teens pay the highest rates at up to $3,398 a year.
Average premium for full coverage: $850
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Vibe models.
Price Range from Low to High
For a driver in their 40's, Pontiac Vibe insurance prices range from as cheap as $438 for just the minimum liability insurance to a high rate of $1,818 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.
The ranges above illustrate why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.
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 average Pontiac Vibe insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $519
- Choosing higher $1,000 deductibles can save $76 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $850
- Selecting low deductibles for comp and collision coverage will cost $988
- High-risk insureds with serious driving violations could pay around $1,818
- The price with full coverage for a teen driver can cost $3,398 each year
Auto insurance prices for a Pontiac Vibe are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $800 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,300 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,000 to $1,400 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $220 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Pontiac Vibe insurance rates. A good driver about age 40 could pay as low as $560 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,150 on average in Florida, New York, and Michigan.
| 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% |
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 Buy More Affordable Pontiac Vibe Insurance
Getting lower rates on Pontiac Vibe insurance takes having a decent driving record, having above-average credit, not filing small claims, and possibly higher deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a summary of the ideas that were covered in the charts and tables above.
- 16 to 18-year-old drivers have the highest car insurance prices, as much as $283 a month if full coverage is included
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $970 more per year than a driver with a clean driving record
- Increasing physical damage deductibles could save up to $225 each year
- It is possible to save around $90 per year just by quoting online in advance
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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