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 rates for a Pontiac G3 are $1,222 a year for full coverage insurance. Comprehensive costs an estimated $254, collision costs $438, and liability insurance costs around $372. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing around $2,634. 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:
Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different G3 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $438 for your basic liability-only policy to a much higher rate of $2,634 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than larger metro areas.
The price range example below illustrates how geographic area affects insurance prices.
These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, 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.
More Rate Information
The chart below illustrates estimated Pontiac G3 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $714
- Using higher $1,000 deductibles will save approximately $158 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,222
- Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,524
- Drivers with multiple violations and an at-fault accident could pay up to $2,634 or more
- The cost for full coverage for a teen driver with full coverage can cost as much as $4,604 or more
Car insurance rates for a Pontiac G3 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
An older driver with no driving violations and high deductibles could pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $4,600 a year. View Rates by Age
Where you live has a huge impact on Pontiac G3 insurance rates. A driver around age 40 might see rates as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,650 on average in Florida, 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% |
Choosing high deductibles could cut rates by as much as $460 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 128% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2009 Pontiac G3 | $122 | $150 | $468 | $898 |
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 Find the Best Pontiac G3 Insurance
Saving money on Pontiac G3 insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates at least once a year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following items are a brief recap of the primary concepts that were presented in the illustrations above.
- It is possible to save approximately $140 per year simply by shopping early and online
- High-risk drivers who tend to receive serious violations pay on average $1,410 more annually than a driver with a clean driving record
- Increasing deductibles can save around $450 each year
- 16 to 18-year-old drivers have the highest car insurance rates, costing up to $384 per month if full coverage is included
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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