Pontiac Vibe Insurance Rates

U.S. average insurance rates for a Pontiac Vibe are $850 a year with full coverage. Comprehensive costs approximately $146, collision costs $178, and liability coverage costs $390. A policy with just liability insurance costs as little as $438 a year, with coverage for high-risk drivers costing around $1,818. Teenage drivers pay the highest rates at $3,398 a year or more.

Average premium for full coverage: $850

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all Vibe models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why everyone should compare rates using their specific location and risk profile, rather than using average rates.

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

Additional Rate Details

The chart below details estimated Pontiac Vibe insurance rates for additional coverage and risk scenarios.

• The best discount rate is $519
• Drivers who choose higher $1,000 deductibles will pay $76 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $850
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $988
• High-risk insureds who are prone to accidents and violations could pay around $1,818 or more
• The price for full coverage for a teenage driver for full coverage can cost $3,398 a year

View Chart as Image

Insurance prices for a Pontiac Vibe are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may only pay around $800 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $3,300 a year. View Rates by Age

The state you live in makes a big difference in Pontiac Vibe insurance rates. A 40-year-old driver could pay as low as $610 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,150 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles could save up to $220 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,400 extra each year, depending on your age. Pontiac Vibe insurance for high-risk drivers can cost around 41% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find More Affordable Pontiac Vibe Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a summary of the car insurance concepts covered above.

• Drivers who have multiple accidents or major violations pay on average $970 more per year than a safer driver
• You may be able to save around $90 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $225 each year
• Consumers who purchase an increased level of liability coverage will pay an extra $430 every year to go from a low limit to 250/500 limits