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 including full coverage. Comprehensive insurance costs an estimated $254, collision costs $438, and liability insurance costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance costing $2,634 or more. Teen drivers receive the highest rates at $4,604 a year or more.
Average premium for full coverage: $1,222
Rate estimates broken down by individual coverage type:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different G3 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $438 for just liability coverage to a much higher rate of $2,634 for a driver who requires high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than relying on price 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.
Detailed Rate Analysis
The chart below breaks down estimated Pontiac G3 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $714
- Drivers who choose higher $1,000 deductibles will pay approximately $158 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,222
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $302 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,634 or more
- The cost to insure a teen driver with full coverage can cost as much as $4,604 a year
Insurance rates for a Pontiac G3 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Choosing high deductibles could save up to $460 each year, while increasing your policy's liability limits will increase premiums. Changing 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
An older driver with a clean driving record and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 128% more than average. View High Risk Driver Rates
Where you live makes a big difference in Pontiac G3 insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,740 on average in Louisiana, New York, and Michigan.
| 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 figure out which company is cheapest is to compare rates from as many companies as possible. Every company uses a different rate calculation, 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 Affordable Pontiac G3 Insurance
Saving money on Pontiac G3 insurance not only requires being a good driver, but also having good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following list is a brief review of the concepts that were raised in the charts and tables above.
- High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,410 more annually than a safer driver
- Drivers age 16 to 20 are charged the highest rates, as much as $384 per month if they have full coverage
- You may be able to save approximately $140 per year simply by shopping early and online
- Increasing deductibles could save as much as $450 each year
- You may be able to save approximately $140 per year simply by shopping early and online
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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