Pontiac Vibe Insurance Rates

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Kristen Gryglik

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Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

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UPDATED: Jun 4, 2023

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The average insurance prices for a Pontiac Vibe are $864 every 12 months for full coverage. Comprehensive insurance costs approximately $148 each year, collision costs $182, and liability coverage is $398. Liability-only insurance costs around $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 by type of insurance:

Comprehensive $148
Collision $182
Liability $398

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Vibe models.

Price Range Variability

For a driver in their 40's, Pontiac Vibe insurance rates go from the cheapest price of $444 for just liability insurance to a high rate of $1,850 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities.

The graphic below illustrates how location helps determine auto insurance prices.

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

The examples above show why all drivers should compare rates quotes using their specific location and their own driving history, rather than using 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.

More Rate Details

The chart below shows estimated Pontiac Vibe insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $527
  • Raising to $1,000 deductibles will save $76 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $864
  • Buying low deductibles costs an extra $140 each year
  • Unlucky drivers with multiple tickets or accidents could pay around $1,850 or more
  • Policy cost to insure a teenage driver can cost $3,454

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 liability limits and deductibles, your driver profile, and the model of your Vibe.

Opting for high physical damage deductibles can reduce rates by up to $220 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $3,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,000 to $1,500 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 129% more than the average rate. View High Risk Driver Rates

Your home state 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 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

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Every auto 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 Shop for More Affordable Pontiac Vibe Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates every other policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a summary of the ideas that were covered in the charts and tables above.

  • Youthful drivers have the highest car insurance rates, costing up to $288 each month if comprehensive and collision insurance is included
  • Drivers who have multiple accidents or major violations may pay on average $990 more per year than a low-risk driver
  • Increasing comprehensive and collision deductibles could save as much as $225 each year
  • Drivers can save around $100 per year simply by quoting online in advance

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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