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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U.S. average insurance prices for a Pontiac G3 are $950 every 12 months including full coverage. Comprehensive costs on average $134 a year, collision insurance costs $184, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,046. Teens pay the highest rates at up to $3,904 a year.

Average premium for full coverage: $950

Price estimates by individual coverage:

Comprehensive $134
Collision $184
Liability $474

Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and G3 trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Pontiac G3 insurance prices range from the cheapest price of $522 for the bare minimum liability coverage to a high of $2,046 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $950
High Risk $2,046

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects car insurance rates.

Rural Areas $713
Small Cities $998
Large Cities $1,283

The ranges above highlight why it is important to get quotes based on a specific location and their own driving history, rather than using averaged prices.

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 Information

The chart below breaks down average Pontiac G3 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $581
  • Choosing higher $1,000 deductibles can save around $878 every year
  • The average price for the average middle-age driver with $500 deductibles is $950
  • Selecting low $100 deductibles for comp and collision coverage increases the price to $1,086
  • Drivers with serious driving violations could pay upwards of $2,046
  • The price to insure a teenage driver may cost $3,904 each year

View Chart as Image

Pontiac G3 insurance cost comparison chart
Column chart showing Pontiac G3 insurance rates range from $581 to $3,904 for full coverage

Car insurance prices for a Pontiac G3 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your G3.

Choosing higher comprehensive and collision insurance deductibles can save as much as $210 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy ranges around 41% to 129% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Pontiac G3 insurance rates. A good driver about age 40 could pay as low as $730 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,360 on average in Michigan, New York, and Louisiana.

Pontiac G3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $858 -$92 -9.7%
Alaska $726 -$224 -23.6%
Arizona $786 -$164 -17.3%
Arkansas $950 -$0 0.0%
California $1,082 $132 13.9%
Colorado $908 -$42 -4.4%
Connecticut $976 $26 2.7%
Delaware $1,074 $124 13.1%
Florida $1,188 $238 25.1%
Georgia $876 -$74 -7.8%
Hawaii $682 -$268 -28.2%
Idaho $640 -$310 -32.6%
Illinois $706 -$244 -25.7%
Indiana $712 -$238 -25.1%
Iowa $640 -$310 -32.6%
Kansas $902 -$48 -5.1%
Kentucky $1,294 $344 36.2%
Louisiana $1,404 $454 47.8%
Maine $586 -$364 -38.3%
Maryland $782 -$168 -17.7%
Massachusetts $758 -$192 -20.2%
Michigan $1,648 $698 73.5%
Minnesota $794 -$156 -16.4%
Mississippi $1,136 $186 19.6%
Missouri $840 -$110 -11.6%
Montana $1,020 $70 7.4%
Nebraska $748 -$202 -21.3%
Nevada $1,138 $188 19.8%
New Hampshire $682 -$268 -28.2%
New Jersey $1,060 $110 11.6%
New Mexico $840 -$110 -11.6%
New York $1,000 $50 5.3%
North Carolina $546 -$404 -42.5%
North Dakota $778 -$172 -18.1%
Ohio $654 -$296 -31.2%
Oklahoma $974 $24 2.5%
Oregon $868 -$82 -8.6%
Pennsylvania $906 -$44 -4.6%
Rhode Island $1,264 $314 33.1%
South Carolina $858 -$92 -9.7%
South Dakota $800 -$150 -15.8%
Tennessee $830 -$120 -12.6%
Texas $1,142 $192 20.2%
Utah $702 -$248 -26.1%
Vermont $652 -$298 -31.4%
Virginia $568 -$382 -40.2%
Washington $734 -$216 -22.7%
West Virginia $868 -$82 -8.6%
Wisconsin $656 -$294 -30.9%
Wyoming $846 -$104 -10.9%

View Chart as Image

Pontiac G3 insurance rates by U.S. city
Pontiac G3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2009 Pontiac G3 $134 $184 $474 $950

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 Low Cost Pontiac G3 Insurance

Getting lower rates on auto insurance takes being a good driver, maintaining a good credit score, being claim-free, and possibly raising deductibles. Set aside time to shop around at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a review of the data raised in the charts and tables above.

  • Consumers who require an increased level of liability coverage will pay approximately $520 per year to raise limits from a low limit to a 250/500 level
  • You may be able to save as much as $100 per year just by quoting early and online
  • Increasing physical damage deductibles could save as much as $200 each year
  • Drivers age 16 to 20 are expensive to insure, possibly costing $325 a month if the policy includes full coverage

Rates by Driver Age

Pontiac G3 Insurance Rates by Driver Age
Driver Age Premium
16 $3,904
20 $2,180
30 $960
40 $950
50 $872
60 $854

Full coverage, $500 deductibles

Rates by Deductible

Pontiac G3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,086
$250 $1,024
$500 $950
$1,000 $878

Full coverage, driver age 40

Rates by Liability Limit

Pontiac G3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $950
50/100 $1,045
100/300 $1,163
250/500 $1,471
100 CSL $1,092
300 CSL $1,353
500 CSL $1,543

Full coverage, driver age 40

Rates for High Risk Drivers

Pontiac G3 Insurance Rates for High Risk Drivers
Age Premium
16 $5,490
20 $3,480
30 $2,058
40 $2,046
50 $1,960
60 $1,938

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 $128

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $56
5-yr Claim Free $59
Paid in Full/EFT $33
Advance Quote $41
Online Quote $63
Total Discounts $369
Rate after discounts $581

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

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