Pontiac Vibe Insurance Rates

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UPDATED: Jun 4, 2023

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U.S. average auto insurance rates for a Pontiac Vibe are $864 annually with full coverage. Comprehensive costs an estimated $148 a year, collision costs $182, and liability costs around $398. Liability-only insurance costs as low as $444 a year, with high-risk driver insurance costing around $1,850. Teens pay the highest rates at $3,454 a year or more.

Average premium for full coverage: $864

Price estimates broken down by individual coverage:

Comprehensive $148
Collision $182
Liability $398

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Vibe trim levels.

Price Range from Low to High

For an average driver, Pontiac Vibe insurance prices go from as cheap as $444 for just the minimum liability insurance to a high of $1,850 for coverage for higher-risk drivers.

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

Geographic Price Range

Where you live can have significant affects on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on insurance prices.

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

The ranges above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of using 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 details estimated Pontiac Vibe insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $527
  • Using higher $1,000 deductibles will save approximately $788 annually
  • The estimated rate for the average middle-age driver who has $500 deductibles is $864
  • Selecting low $100 deductibles for physical damage coverage will cost $1,004
  • Drivers with serious driving violations could pay up to $1,850 or more
  • The price with full coverage for 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 rates range from $527 to $3,454

Car insurance prices for a Pontiac Vibe are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $800 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $3,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,000 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $220 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Pontiac Vibe insurance prices. A driver around age 40 might see prices as low as $620 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,170 on average in New York, Michigan, and Florida.

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

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see which company has the best price. Each insurance company calculates prices differently, so rate quotes may be quite different between companies.

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 Buy the Right Pontiac Vibe Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a quick rundown of the primary concepts that were covered in the above illustrations.

  • You may be able to save approximately $100 per year simply by quoting early and online
  • Higher risk drivers with reckless driving or DUI convictions pay on average $990 more annually for auto insurance
  • Increasing physical damage deductibles could save up to $225 each year
  • Teenage drivers have the highest car insurance prices, costing up to $288 a month if comprehensive and collision insurance is included

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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