Pontiac Vibe Insurance Rates
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UPDATED: Jun 4, 2023
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The average auto insurance rates for a Pontiac Vibe are $850 annually for full coverage. Comprehensive insurance costs an estimated $146, collision costs $178, and liability costs $390. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing $1,818 or more. 16-year-old drivers cost the most to insure at $3,398 a year or more.
Average premium for full coverage: $850
Policy rates broken down by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Vibe trim levels.
Price Range Variability
For an average driver, Pontiac Vibe insurance rates go from as cheap as $438 for liability-only coverage to a much higher rate of $1,818 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.
The price range example below illustrates the effect of geographic area on insurance prices.
The examples above show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, 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 Charts and Tables
The chart below shows estimated Pontiac Vibe insurance rates for other coverage scenarios.
- The best full coverage rate is $519
- Drivers who choose higher $1,000 deductibles will pay approximately $76 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $850
- Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $138 annually
- Drivers with multiple tickets or accidents could pay up to $1,818 or more
- Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $3,398 a year
Insurance rates for a Pontiac Vibe also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $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 could be paying $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance can cost from 41% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $220 annually, while increasing your policy's liability limits will increase premiums. Going 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 makes a big difference in Pontiac Vibe insurance prices. A 40-year-old driver could pay as low as $560 a year in states like Iowa, Maine, and Idaho, or at least $1,210 on average in New York, Louisiana, and Michigan.
| 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 only way to know which auto insurance is cheapest is to compare rates from multiple companies. Every company utilizes a different rate formula, 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 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.
| 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 Buy Affordable Pontiac Vibe Insurance
Finding cheaper rates on insurance for a Pontiac Vibe not only requires having a decent driving record, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a brief review of the information covered in the above illustrations.
- Drivers can save approximately $90 per year simply by shopping early and online
- 16 to 18-year-old drivers are charged the highest rates, costing up to $283 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles could save up to $225 each year
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $970 more annually than a driver with a clean driving record
- Insureds who want additional liability coverage will pay around $430 each year to go from a 30/60 limit to higher 250/500 limits
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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