Pontiac Vibe Insurance Rates

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UPDATED: Jun 4, 2023

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The average insurance rates for a Pontiac Vibe are $864 a year for full coverage. Comprehensive insurance costs an estimated $148 a year, collision costs $182, and liability insurance costs around $398. Liability-only insurance costs as low as $444 a year, with high-risk driver insurance costing $1,850 or more. 16-year-old drivers cost the most to insure at $3,454 a year or more.

Average premium for full coverage: $864

Policy rates broken down by type of insurance:

Comprehensive $148
Collision $182
Liability $398

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Vibe trim levels.

Price Range Variability

For the normal driver, Pontiac Vibe insurance rates go from the low end price of $444 for basic liability insurance to a high of $1,850 for a policy for a high-risk driver.

Liability Only $444
Full Coverage $864
High Risk $1,850

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities.

The diagram below illustrates how geographic area affects insurance prices.

Rural Areas $648
Small Cities $907
Large Cities $1,166

The examples above show why it is important to compare prices for a targeted area, rather than relying 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.

Rate Comparisons

The chart below shows estimated Pontiac Vibe insurance rates for other coverage scenarios.

  • The best full coverage rate is $527
  • Using higher $1,000 deductibles will save approximately $788 a year
  • The estimated price for a good driver age 40 who has $500 deductibles is $864
  • Buying low $100 deductibles for physical damage coverage will cost an additional $140 a year
  • Drivers with multiple tickets or accidents could pay up to $1,850 or more
  • Policy cost that insures a teen driver can cost as much as $3,454 or more

View Chart as Image

Pontiac Vibe insurance cost comparison chart
Column chart showing full coverage Pontiac Vibe insurance prices range from $527 to $3,454

Auto insurance rates for a Pontiac Vibe also range considerably based on the trim level of your Vibe, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,000 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $3,400 a year. View Rates by Age

Your home state has a huge impact on Pontiac Vibe insurance rates. A driver around age 40 might see rates as low as $570 a year in states like Iowa, Maine, and Idaho, or at least $1,230 on average in New York, Louisiana, and Michigan.

Pontiac Vibe Insurance Rates by State
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%

View Chart as Image

Pontiac Vibe insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $220 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates will be varied.

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 $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.

Pontiac Vibe Insurance Rates by Model Year
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 cheaper rates on Pontiac Vibe insurance requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop every year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a brief summary of the coverage data presented in the illustrations above.

  • Drivers can save approximately $100 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles can save approximately $225 each year
  • Drivers under the age of 20 are the costliest to insure, costing up to $288 each month if the policy includes full coverage
  • High-risk drivers that tend to have accidents or serious violations may pay on average $990 more annually to insure a Pontiac Vibe

Rates by Driver Age

Pontiac Vibe Insurance 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

Pontiac Vibe Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,004
$250 $940
$500 $864
$1,000 $788

Full coverage, driver age 40

Rates by Liability Limit

Pontiac Vibe Insurance Rates with Different Liability Limits
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

Pontiac Vibe Insurance 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.

SR-22 Surcharge $114

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
Rate after discounts $527

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

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