Pontiac Vibe Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Pontiac Vibe are $864 a year for full coverage. Comprehensive costs on average $148, collision insurance costs $182, and liability costs $398. Liability-only coverage costs as little as $444 a year, and high-risk coverage costs around $1,850. 16-year-old drivers pay the highest rates at up to $3,454 a year.
Average premium for full coverage: $864
Price estimates by individual coverage:
Prices include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Vibe trim levels.
Price Range from Low to High
For a 40-year-old driver, Pontiac Vibe insurance prices range from the low end price of $444 for minimum levels of liability insurance to a much higher rate of $1,850 for high-risk insurance.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than congested cities. The price range example below illustrates how your location can change car insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates based on a specific location, instead of making a decision based on 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 Details
The chart below shows average Pontiac Vibe insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $527
- Drivers who choose higher $1,000 deductibles will pay around $76 a year
- The estimated price for the average middle-age driver with $500 deductibles is $864
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,004
- Drivers with multiple tickets or accidents could pay upwards of $1,850
- The price that insures a 16-year-old driver with full coverage may cost $3,454 a year
Auto insurance prices for a Pontiac Vibe are also quite variable based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,000 to $1,500 in extra premium each year, depending on your age. High-risk driver insurance can cost from 43% to 129% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $800 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $3,400 a year. View Rates by Age
The state you live in makes a big difference in Pontiac Vibe insurance prices. A 40-year-old driver could pay as low as $570 a year in states like Idaho, Maine, and Iowa, or at least $1,230 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $780 | -$84 | -9.7% |
| Alaska | $664 | -$200 | -23.1% |
| Arizona | $714 | -$150 | -17.4% |
| Arkansas | $864 | -$0 | 0.0% |
| California | $982 | $118 | 13.7% |
| Colorado | $824 | -$40 | -4.6% |
| Connecticut | $886 | $22 | 2.5% |
| Delaware | $976 | $112 | 13.0% |
| Florida | $1,076 | $212 | 24.5% |
| Georgia | $798 | -$66 | -7.6% |
| Hawaii | $620 | -$244 | -28.2% |
| Idaho | $584 | -$280 | -32.4% |
| Illinois | $642 | -$222 | -25.7% |
| Indiana | $650 | -$214 | -24.8% |
| Iowa | $582 | -$282 | -32.6% |
| Kansas | $818 | -$46 | -5.3% |
| Kentucky | $1,178 | $314 | 36.3% |
| Louisiana | $1,278 | $414 | 47.9% |
| Maine | $534 | -$330 | -38.2% |
| Maryland | $712 | -$152 | -17.6% |
| Massachusetts | $686 | -$178 | -20.6% |
| Michigan | $1,498 | $634 | 73.4% |
| Minnesota | $724 | -$140 | -16.2% |
| Mississippi | $1,036 | $172 | 19.9% |
| Missouri | $766 | -$98 | -11.3% |
| Montana | $926 | $62 | 7.2% |
| Nebraska | $678 | -$186 | -21.5% |
| Nevada | $1,036 | $172 | 19.9% |
| New Hampshire | $622 | -$242 | -28.0% |
| New Jersey | $966 | $102 | 11.8% |
| New Mexico | $762 | -$102 | -11.8% |
| New York | $908 | $44 | 5.1% |
| North Carolina | $498 | -$366 | -42.4% |
| North Dakota | $708 | -$156 | -18.1% |
| Ohio | $594 | -$270 | -31.3% |
| Oklahoma | $884 | $20 | 2.3% |
| Oregon | $792 | -$72 | -8.3% |
| Pennsylvania | $822 | -$42 | -4.9% |
| Rhode Island | $1,152 | $288 | 33.3% |
| South Carolina | $782 | -$82 | -9.5% |
| South Dakota | $728 | -$136 | -15.7% |
| Tennessee | $754 | -$110 | -12.7% |
| Texas | $1,040 | $176 | 20.4% |
| Utah | $638 | -$226 | -26.2% |
| Vermont | $590 | -$274 | -31.7% |
| Virginia | $514 | -$350 | -40.5% |
| Washington | $666 | -$198 | -22.9% |
| West Virginia | $792 | -$72 | -8.3% |
| Wisconsin | $596 | -$268 | -31.0% |
| Wyoming | $768 | -$96 | -11.1% |
Opting for high physical damage deductibles could save up to $220 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Pontiac Vibe 1.8 | $828 | $69 |
| Pontiac Vibe 2.4 | $828 | $69 |
| Pontiac Vibe AWD | $880 | $73 |
| Pontiac Vibe GT | $880 | $73 |
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 | $152 | $202 | $402 | $892 |
| 2009 Pontiac Vibe | $148 | $182 | $398 | $864 |
| 2008 Pontiac Vibe | $146 | $178 | $390 | $850 |
| 2007 Pontiac Vibe | $144 | $168 | $384 | $832 |
| 2006 Pontiac Vibe | $132 | $160 | $380 | $808 |
| 2005 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 Find the Right Pontiac Vibe Insurance
Getting lower rates on insurance for a Pontiac Vibe not only requires avoiding accidents and claims, but also maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every couple of years by getting quotes from direct carriers, and also from local exclusive and independent agents.
The points below are a quick rundown of the material that was illustrated above.
- Insureds who require increased liability limits will pay around $440 each year to go from a low limit to the 250/500 level
- Drivers under the age of 20 are charged the highest prices, with premiums as much as $288 a month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $990 more each year to insure a Pontiac Vibe
- Increasing physical damage deductibles can save approximately $225 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,454 |
| 20 | $1,962 |
| 30 | $878 |
| 40 | $864 |
| 50 | $794 |
| 60 | $778 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,004 |
| $250 | $940 |
| $500 | $864 |
| $1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $864 |
| 50/100 | $960 |
| 100/300 | $1,059 |
| 250/500 | $1,318 |
| 100 CSL | $999 |
| 300 CSL | $1,218 |
| 500 CSL | $1,378 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,864 |
| 20 | $3,126 |
| 30 | $1,866 |
| 40 | $1,850 |
| 50 | $1,766 |
| 60 | $1,750 |
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 | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $58 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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