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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Estimated insurance prices for a Pontiac Vibe are $850 every 12 months for full coverage insurance. Comprehensive insurance costs around $146, collision costs $178, and liability costs around $390. A policy with only liability insurance costs as low as $438 a year, with a high-risk policy costing $1,818 or more. 16-year-old drivers pay the most at $3,398 a year or more.
Average premium for full coverage: $850
Premium estimates for type of coverage:
These estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Vibe models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Pontiac Vibe go from the cheapest price of $438 for just the minimum liability insurance to the much higher price of $1,818 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than congested cities.
The example below illustrates the effect of geographic area on auto insurance rates.
These rate differences illustrate why everyone should compare prices for a specific zip code and their own driving history, instead of using rate 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.
Additional Rate Analysis
The chart below illustrates estimated Pontiac Vibe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $519
- Using higher $1,000 deductibles will save about $76 each year
- The average price for a 40-year-old good driver using $500 deductibles is $850
- Buying pricier low deductibles for physical damage coverage costs an extra $138 every year
- Drivers with multiple tickets or accidents could pay at least $1,818 or more
- An auto insurance policy to insure a teen driver for full coverage can be $3,398 or more
Car insurance prices for a Pontiac Vibe also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles could cut prices by as much as $220 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $3,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,000 to $1,400 extra annually, depending on your age. Pontiac Vibe insurance for high-risk drivers can be as much as 41% to 131% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Pontiac Vibe insurance prices. A driver around age 40 might see prices as low as $560 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,150 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different.
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 Shop for Cheap Pontiac Vibe Insurance
Finding better rates on car insurance requires avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates every year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a brief summary of the coverage data covered in the above illustrations.
- It is possible to save up to $90 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $225 each year
- Drivers under the age of 20 are the costliest to insure, with premiums being up to $283 per month if the policy includes full coverage
- Higher risk drivers that tend to have accidents or serious violations may pay on average $970 more every year to insure a Pontiac Vibe
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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