Pontiac Vibe 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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The average auto insurance rates for a Pontiac Vibe are $850 annually including full coverage. Comprehensive costs around $146, collision costs $178, and liability insurance is $390. Buying just liability costs around $438 a year, with insurance for high-risk drivers costing around $1,818. Teens cost the most to insure at $3,398 a year or more.
Average premium for full coverage: $850
Policy rates for type of insurance:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Vibe models.
Price Range Variability
For a 40-year-old driver, Pontiac Vibe insurance rates go from as cheap as $438 for just the minimum liability insurance to the much higher price of $1,818 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how your location can change auto insurance rates.
The examples above highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on 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 Analysis
The chart below breaks down estimated Pontiac Vibe insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $519
- Raising to $1,000 deductibles will save about $76 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $850
- Selecting pricier low deductibles will cost $988
- Higher-risk drivers with serious driving violations could pay at least $1,818 or more
- Policy cost with full coverage for a teen driver for full coverage can be $3,398
Insurance rates for a Pontiac Vibe also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $3,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,000 to $1,400 extra every year, depending on your age. Pontiac Vibe insurance for high-risk drivers is expensive and can cost anywhere from 41% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $220 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Pontiac Vibe insurance rates. A middle-age driver might find rates as low as $650 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,210 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $768 | -$82 | -9.6% |
| Alaska | $652 | -$198 | -23.3% |
| Arizona | $704 | -$146 | -17.2% |
| Arkansas | $850 | -$0 | 0.0% |
| California | $968 | $118 | 13.9% |
| Colorado | $812 | -$38 | -4.5% |
| Connecticut | $872 | $22 | 2.6% |
| Delaware | $958 | $108 | 12.7% |
| Florida | $1,060 | $210 | 24.7% |
| Georgia | $786 | -$64 | -7.5% |
| Hawaii | $610 | -$240 | -28.2% |
| Idaho | $574 | -$276 | -32.5% |
| Illinois | $632 | -$218 | -25.6% |
| Indiana | $640 | -$210 | -24.7% |
| Iowa | $572 | -$278 | -32.7% |
| Kansas | $806 | -$44 | -5.2% |
| Kentucky | $1,158 | $308 | 36.2% |
| Louisiana | $1,256 | $406 | 47.8% |
| Maine | $526 | -$324 | -38.1% |
| Maryland | $700 | -$150 | -17.6% |
| Massachusetts | $676 | -$174 | -20.5% |
| Michigan | $1,472 | $622 | 73.2% |
| Minnesota | $712 | -$138 | -16.2% |
| Mississippi | $1,016 | $166 | 19.5% |
| Missouri | $756 | -$94 | -11.1% |
| Montana | $910 | $60 | 7.1% |
| Nebraska | $668 | -$182 | -21.4% |
| Nevada | $1,016 | $166 | 19.5% |
| New Hampshire | $612 | -$238 | -28.0% |
| New Jersey | $948 | $98 | 11.5% |
| New Mexico | $748 | -$102 | -12.0% |
| New York | $894 | $44 | 5.2% |
| North Carolina | $490 | -$360 | -42.4% |
| North Dakota | $698 | -$152 | -17.9% |
| Ohio | $584 | -$266 | -31.3% |
| Oklahoma | $872 | $22 | 2.6% |
| Oregon | $778 | -$72 | -8.5% |
| Pennsylvania | $806 | -$44 | -5.2% |
| Rhode Island | $1,132 | $282 | 33.2% |
| South Carolina | $770 | -$80 | -9.4% |
| South Dakota | $716 | -$134 | -15.8% |
| Tennessee | $744 | -$106 | -12.5% |
| Texas | $1,024 | $174 | 20.5% |
| Utah | $630 | -$220 | -25.9% |
| Vermont | $582 | -$268 | -31.5% |
| Virginia | $508 | -$342 | -40.2% |
| Washington | $654 | -$196 | -23.1% |
| West Virginia | $778 | -$72 | -8.5% |
| Wisconsin | $584 | -$266 | -31.3% |
| Wyoming | $756 | -$94 | -11.1% |
Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, so the rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Pontiac Vibe 1.8 | $814 | $68 |
| Pontiac Vibe 2.4 | $814 | $68 |
| Pontiac Vibe AWD | $866 | $72 |
| Pontiac Vibe GT | $866 | $72 |
Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Pontiac Vibe | $148 | $182 | $398 | $864 |
| 2009 Pontiac Vibe | $146 | $178 | $390 | $850 |
| 2008 Pontiac Vibe | $144 | $168 | $384 | $832 |
| 2007 Pontiac Vibe | $132 | $160 | $380 | $808 |
| 2006 Pontiac Vibe | $126 | $152 | $376 | $790 |
Rates are averaged for all Pontiac Vibe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheap Pontiac Vibe Insurance
Finding cheaper rates on Pontiac Vibe insurance consists of avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief summary of the data illustrated above.
- Drivers who may need higher liability limits will pay approximately $430 per year to raise from a 30/60 limit to higher 250/500 limits
- You may be able to save up to $90 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $225 each year
- Teenagers pay higher rates, with premiums being up to $283 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,398 |
| 20 | $1,932 |
| 30 | $864 |
| 40 | $850 |
| 50 | $780 |
| 60 | $764 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $988 |
| $250 | $926 |
| $500 | $850 |
| $1,000 | $774 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $850 |
| 50/100 | $944 |
| 100/300 | $1,042 |
| 250/500 | $1,295 |
| 100 CSL | $983 |
| 300 CSL | $1,198 |
| 500 CSL | $1,354 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,786 |
| 20 | $3,074 |
| 30 | $1,836 |
| 40 | $1,818 |
| 50 | $1,738 |
| 60 | $1,718 |
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 | $43 |
| Multi-vehicle | $45 |
| Homeowner | $15 |
| 5-yr Accident Free | $51 |
| 5-yr Claim Free | $53 |
| Paid in Full/EFT | $30 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $331 |
Discounts are estimated and may not be available from every company or in every state.
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