Pontiac G3 Insurance Rates

The average insurance rates for a Pontiac G3 are $1,222 a year including full coverage. Comprehensive insurance costs an estimated $254 a year, collision insurance costs $438, and liability costs $372. A liability-only policy costs as little as $438 a year, and high-risk insurance costs $2,634 or more. 16-year-old drivers cost the most to insure at up to $4,604 a year.

Average premium for full coverage: $1,222

Policy rates broken down by type of insurance:

Includes $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and G3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down average Pontiac G3 insurance rates for other coverage scenarios.

• The best full coverage rate is $714
• Drivers who choose higher $1,000 deductibles will pay approximately $1,064 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,222
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $302 annually
• Drivers with multiple tickets or accidents could pay up to $2,634
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,604 a year

View Chart as Image

Car insurance rates for a Pontiac G3 also range considerably based on your risk profile, the model of your G3, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Your home state makes a big difference in Pontiac G3 insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,740 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $460 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 128% more than the average rate. View High Risk Driver Rates

How to Find the Cheapest Pontiac G3 Insurance

Finding cheaper rates on insurance for a Pontiac G3 not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a recap of the material that was presented in the illustrations above.

• Insureds who want higher liability limits will pay around $410 per year to go from a 30/60 limit to 250/500 limits
• Teens have the highest car insurance rates, with premiums being up to $384 each month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may pay on average $1,410 more annually for G3 insurance
• Increasing comprehensive and collision deductibles can save around $450 each year