Pontiac G3 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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Average insurance prices for a Pontiac G3 are $1,222 every 12 months with full coverage. Comprehensive insurance costs around $254 a year, collision costs $438, and liability costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance costing $2,634 or more. Teenage drivers receive the highest rates at $4,604 a year or more.
Average premium for full coverage: $1,222
Rate estimates for individual coverage type:
These estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and G3 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $438 for just the minimum liability insurance to a high of $2,634 for high-risk insurance.
Price Range by Location
Your location can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities.
The diagram below illustrates how geographic area affects auto insurance rates.
These examples demonstrate why it is important to compare rates for a specific zip code and their own driving history, instead of using average rates.
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 G3 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $714
- Drivers who choose higher $1,000 deductibles will pay about $1,064 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,222
- Using low $100 deductibles for comprehensive and collision insurance costs an extra $302 every year
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,634 or more
- The cost to insure a teen driver can be $4,604 a year
Insurance rates for a Pontiac G3 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Using high physical damage deductibles could save up to $460 every year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 128% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Pontiac G3 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,650 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,104 | -$118 | -9.7% |
| Alaska | $938 | -$284 | -23.2% |
| Arizona | $1,014 | -$208 | -17.0% |
| Arkansas | $1,222 | -$0 | 0.0% |
| California | $1,392 | $170 | 13.9% |
| Colorado | $1,168 | -$54 | -4.4% |
| Connecticut | $1,256 | $34 | 2.8% |
| Delaware | $1,384 | $162 | 13.3% |
| Florida | $1,530 | $308 | 25.2% |
| Georgia | $1,128 | -$94 | -7.7% |
| Hawaii | $878 | -$344 | -28.2% |
| Idaho | $826 | -$396 | -32.4% |
| Illinois | $910 | -$312 | -25.5% |
| Indiana | $918 | -$304 | -24.9% |
| Iowa | $824 | -$398 | -32.6% |
| Kansas | $1,162 | -$60 | -4.9% |
| Kentucky | $1,668 | $446 | 36.5% |
| Louisiana | $1,808 | $586 | 48.0% |
| Maine | $754 | -$468 | -38.3% |
| Maryland | $1,008 | -$214 | -17.5% |
| Massachusetts | $978 | -$244 | -20.0% |
| Michigan | $2,124 | $902 | 73.8% |
| Minnesota | $1,022 | -$200 | -16.4% |
| Mississippi | $1,464 | $242 | 19.8% |
| Missouri | $1,082 | -$140 | -11.5% |
| Montana | $1,312 | $90 | 7.4% |
| Nebraska | $966 | -$256 | -20.9% |
| Nevada | $1,466 | $244 | 20.0% |
| New Hampshire | $880 | -$342 | -28.0% |
| New Jersey | $1,366 | $144 | 11.8% |
| New Mexico | $1,082 | -$140 | -11.5% |
| New York | $1,288 | $66 | 5.4% |
| North Carolina | $704 | -$518 | -42.4% |
| North Dakota | $1,000 | -$222 | -18.2% |
| Ohio | $842 | -$380 | -31.1% |
| Oklahoma | $1,256 | $34 | 2.8% |
| Oregon | $1,120 | -$102 | -8.3% |
| Pennsylvania | $1,168 | -$54 | -4.4% |
| Rhode Island | $1,630 | $408 | 33.4% |
| South Carolina | $1,108 | -$114 | -9.3% |
| South Dakota | $1,032 | -$190 | -15.5% |
| Tennessee | $1,072 | -$150 | -12.3% |
| Texas | $1,472 | $250 | 20.5% |
| Utah | $906 | -$316 | -25.9% |
| Vermont | $836 | -$386 | -31.6% |
| Virginia | $732 | -$490 | -40.1% |
| Washington | $946 | -$276 | -22.6% |
| West Virginia | $1,120 | -$102 | -8.3% |
| Wisconsin | $848 | -$374 | -30.6% |
| Wyoming | $1,090 | -$132 | -10.8% |
With so much variability in rates, the best way to find out your exact price is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, so the rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2009 Pontiac G3 | $120 | $146 | $460 | $884 |
Rates are averaged for all Pontiac G3 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 Cheap Pontiac G3 Insurance
Saving money on car insurance not only requires being a safe and courteous driver, but also having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a brief summary of the material that was presented in the illustrations above.
- Policyholders who may need higher levels of liability will pay an extra $410 every year to go from a minimum limit to a 250/500 level
- Teenage drivers pay higher rates, with premiums as much as $384 per month if they have full coverage
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,410 more every year for auto insurance
- Increasing deductibles could save as much as $450 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,604 |
| 20 | $2,814 |
| 30 | $1,270 |
| 40 | $1,222 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,524 |
| $250 | $1,386 |
| $500 | $1,222 |
| $1,000 | $1,064 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,222 |
| 50/100 | $1,296 |
| 100/300 | $1,389 |
| 250/500 | $1,631 |
| 100 CSL | $1,334 |
| 300 CSL | $1,538 |
| 500 CSL | $1,687 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,544 |
| 20 | $4,468 |
| 30 | $2,686 |
| 40 | $2,634 |
| 50 | $2,514 |
| 60 | $2,490 |
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 | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $54 |
| Advance Quote | $59 |
| Online Quote | $85 |
| Total Discounts | $508 |
Discounts are estimated and may not be available from every company or in every state.
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