Pontiac G3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $126
Collision $166
Liability $474

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.

Liability Only $522
Full Coverage $924
High Risk $1,994

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.

Rural Areas $693
Small Cities $970
Large Cities $1,247

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

View Chart as Image

Pontiac G3 insurance cost comparison chart
Column chart showing full coverage Pontiac G3 insurance prices range from $566 to $3,826

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.

Pontiac G3 Insurance Rates by State
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%

View Chart as Image

Pontiac G3 insurance rates by U.S. city

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.

Pontiac G3 Insurance Rates by Model Year
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

Rates by Driver Age

Pontiac G3 Insurance 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

Pontiac G3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,050
$250 $992
$500 $924
$1,000 $858

Full coverage, driver age 40

Rates by Liability Limit

Pontiac G3 Insurance Rates with Different Liability Limits
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

Pontiac G3 Insurance 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.

SR-22 Surcharge $124

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
Rate after discounts $566

Discounts are estimated and may not be available from every company or in every state.

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