Pontiac G3 Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance prices for a Pontiac G3 are $924 every 12 months for full coverage. Comprehensive insurance costs around $126, collision costs $166, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $1,994 or more. 16-year-old drivers receive the highest rates at $3,826 a year or more.
Average premium for full coverage: $924
Rate estimates for individual coverage type:
Includes $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different G3 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $522 for just liability coverage to a much higher rate of $1,994 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than congested cities.
The price range example below illustrates the difference location can make on auto insurance rates.
These examples show why anyone shopping for car insurance should compare prices for a specific zip code 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.
Detailed Rate Analysis
The chart below shows estimated Pontiac G3 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $566
- Using higher $1,000 deductibles will save about $66 a year
- The average price for a 40-year-old driver using $500 deductibles is $924
- Buying more expensive low deductibles for physical damage coverage costs an extra $126 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $1,994 or more
- The cost to insure a teenage driver with full coverage can be $3,826 or more
Car insurance rates for a Pontiac G3 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles could cut rates by as much as $200 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $900 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $3,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance can be around 42% to 132% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on Pontiac G3 insurance rates. A driver around age 40 might see rates as low as $610 a year in states like Idaho, Maine, and Iowa, or at least $1,320 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $836 | -$88 | -9.5% |
| Alaska | $708 | -$216 | -23.4% |
| Arizona | $766 | -$158 | -17.1% |
| Arkansas | $924 | -$0 | 0.0% |
| California | $1,054 | $130 | 14.1% |
| Colorado | $882 | -$42 | -4.5% |
| Connecticut | $952 | $28 | 3.0% |
| Delaware | $1,046 | $122 | 13.2% |
| Florida | $1,156 | $232 | 25.1% |
| Georgia | $852 | -$72 | -7.8% |
| Hawaii | $664 | -$260 | -28.1% |
| Idaho | $624 | -$300 | -32.5% |
| Illinois | $688 | -$236 | -25.5% |
| Indiana | $694 | -$230 | -24.9% |
| Iowa | $622 | -$302 | -32.7% |
| Kansas | $880 | -$44 | -4.8% |
| Kentucky | $1,262 | $338 | 36.6% |
| Louisiana | $1,366 | $442 | 47.8% |
| Maine | $570 | -$354 | -38.3% |
| Maryland | $762 | -$162 | -17.5% |
| Massachusetts | $740 | -$184 | -19.9% |
| Michigan | $1,606 | $682 | 73.8% |
| Minnesota | $774 | -$150 | -16.2% |
| Mississippi | $1,106 | $182 | 19.7% |
| Missouri | $820 | -$104 | -11.3% |
| Montana | $990 | $66 | 7.1% |
| Nebraska | $728 | -$196 | -21.2% |
| Nevada | $1,108 | $184 | 19.9% |
| New Hampshire | $664 | -$260 | -28.1% |
| New Jersey | $1,032 | $108 | 11.7% |
| New Mexico | $820 | -$104 | -11.3% |
| New York | $974 | $50 | 5.4% |
| North Carolina | $532 | -$392 | -42.4% |
| North Dakota | $756 | -$168 | -18.2% |
| Ohio | $636 | -$288 | -31.2% |
| Oklahoma | $948 | $24 | 2.6% |
| Oregon | $846 | -$78 | -8.4% |
| Pennsylvania | $882 | -$42 | -4.5% |
| Rhode Island | $1,232 | $308 | 33.3% |
| South Carolina | $836 | -$88 | -9.5% |
| South Dakota | $780 | -$144 | -15.6% |
| Tennessee | $810 | -$114 | -12.3% |
| Texas | $1,114 | $190 | 20.6% |
| Utah | $684 | -$240 | -26.0% |
| Vermont | $634 | -$290 | -31.4% |
| Virginia | $554 | -$370 | -40.0% |
| Washington | $714 | -$210 | -22.7% |
| West Virginia | $846 | -$78 | -8.4% |
| Wisconsin | $640 | -$284 | -30.7% |
| Wyoming | $824 | -$100 | -10.8% |
With so much variability in rates, the only way to know your exact price is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2009 Pontiac G3 | $126 | $166 | $474 | $924 |
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 the Cheapest Pontiac G3 Insurance
Saving money on auto insurance requires being safe and accident-free, maintaining a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Make time to compare rates once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a recap of the data that was touched on in this article.
- Drivers can save up to $100 per year simply by shopping early and online
- Consumers who may need more liability protection will pay around $520 each year to increase from a minimum limit to a 250/500 level
- Youthful drivers are the costliest to insure, costing as high as $319 per month if the policy includes full coverage
- Drivers that have major violations or accidents may pay on average $1,070 more every year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,826 |
| 20 | $2,122 |
| 30 | $932 |
| 40 | $924 |
| 50 | $850 |
| 60 | $832 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,050 |
| $250 | $992 |
| $500 | $924 |
| $1,000 | $858 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $924 |
| 50/100 | $1,019 |
| 100/300 | $1,137 |
| 250/500 | $1,445 |
| 100 CSL | $1,066 |
| 300 CSL | $1,327 |
| 500 CSL | $1,517 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,374 |
| 20 | $3,386 |
| 30 | $2,000 |
| 40 | $1,994 |
| 50 | $1,908 |
| 60 | $1,888 |
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 | $46 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $54 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $31 |
| Advance Quote | $40 |
| Online Quote | $61 |
| Total Discounts | $358 |
Discounts are estimated and may not be available from every company or in every state.
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