Pontiac Vibe Insurance Rates

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Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

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 approximately $146, collision costs $178, and liability costs around $390. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing $1,818 or more. Teen drivers pay the most at $3,398 a year or more.

Average premium for full coverage: $850

Premium estimates by type of coverage:

Comprehensive $146
Collision $178
Liability $390

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all Vibe models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Pontiac Vibe go from the cheapest price of $438 for minimum levels of liability insurance to the much higher price of $1,818 for a driver that may need high-risk insurance.

Liability Only $438
Full Coverage $850
High Risk $1,818

Insurance Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.

The example below illustrates how location impacts auto insurance prices.

Rural Areas $638
Small Cities $893
Large Cities $1,148

These rate differences illustrate why everyone should compare prices using their specific location and their own driving history, instead of using 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.

Additional Rate Details

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

  • The lowest rate with discounts is $519
  • Using higher $1,000 deductibles will save $76 each year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $850
  • Choosing pricier low deductibles for physical damage coverage costs an extra $138 every year
  • Drivers with multiple violations and an at-fault accident could pay around $1,818 or more
  • An auto insurance policy to insure a teen driver for full coverage can cost $3,398 or more

View Chart as Image

Pontiac Vibe insurance cost comparison chart
Column chart showing full coverage Pontiac Vibe insurance prices range from $519 to $3,398

Insurance prices for a Pontiac Vibe also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Vibe.

Choosing high deductibles could cut prices by as much as $220 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record 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 can expect to pay in the ballpark of $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 anywhere from $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 average. 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 North Carolina, Wisconsin, and Vermont, or as much as $1,150 on average in Florida, New York, and Michigan.

Pontiac Vibe Insurance Rates by State
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%

View Chart as Image

Pontiac Vibe insurance rates by U.S. city

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Pontiac Vibe Insurance Rates by Model and Trim Level
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 2007 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.

Pontiac Vibe Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Pontiac Vibe $162 $222 $402 $922
2009 Pontiac Vibe $152 $202 $402 $892
2008 Pontiac Vibe $148 $182 $398 $864
2007 Pontiac Vibe $146 $178 $390 $850
2006 Pontiac Vibe $144 $168 $384 $832
2005 Pontiac Vibe $132 $160 $380 $808
2004 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 Affordable Pontiac Vibe Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The list below is a brief review of the data that was touched on above.

  • It is possible to save around $90 per year simply by quoting online well ahead of the renewal date
  • Policyholders who purchase higher liability limits will pay about $430 annually to increase from 30/60 bodily injury limits to a 250/500 level
  • Teenagers are expensive to insure, with premiums being up to $283 per month if they have full coverage
  • Higher risk drivers with DUI or reckless driving convictions may have to pay on average $970 more per year for car insurance

Rates by Driver Age

Pontiac Vibe Insurance 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

Pontiac Vibe Insurance Rates with Different Deductibles
Deductible Premium
$100 $988
$250 $926
$500 $850
$1,000 $774

Full coverage, driver age 40

Rates by Liability Limit

Pontiac Vibe Insurance Rates with Different Liability Limits
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

Pontiac Vibe Insurance 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.

SR-22 Surcharge $112

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
Rate after discounts $519

Discounts are estimated and may not be available from every company or in every state.

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