Pontiac G3 Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average auto insurance rates for a Pontiac G3 are $1,222 annually including full coverage. Comprehensive insurance costs on average $254, collision insurance costs $438, and liability coverage costs around $372. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs $2,634 or more. Teenage drivers pay the highest rates at up to $4,604 a year.
Average premium for full coverage: $1,222
Price estimates by individual coverage:
Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different G3 trim levels.
Price Range from Low to High
For a driver around age 40, Pontiac G3 insurance prices range from as cheap as $438 for a discount liability-only rate to a much higher rate of $2,634 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using average rates.
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.
Rates by State, City, and Model
The chart below breaks down average Pontiac G3 insurance rates for different risk profiles and scenarios.
- The best discount rate is $714
- Using higher $1,000 deductibles will save around $158 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,222
- Using more expensive low deductibles for physical damage coverage costs an additional $302 each year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,634
- The price with full coverage for a teenage driver with full coverage may cost $4,604 or more
Car insurance prices for a Pontiac G3 are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can be around 43% to 128% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $460 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Pontiac G3 insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,740 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,104 | -$118 | -9.7% |
| Alaska | $938 | -$284 | -23.2% |
| Arizona | $1,014 | -$208 | -17.0% |
| Arkansas | $1,222 | -$0 | 0.0% |
| California | $1,392 | $170 | 13.9% |
| Colorado | $1,168 | -$54 | -4.4% |
| Connecticut | $1,256 | $34 | 2.8% |
| Delaware | $1,384 | $162 | 13.3% |
| Florida | $1,530 | $308 | 25.2% |
| Georgia | $1,128 | -$94 | -7.7% |
| Hawaii | $878 | -$344 | -28.2% |
| Idaho | $826 | -$396 | -32.4% |
| Illinois | $910 | -$312 | -25.5% |
| Indiana | $918 | -$304 | -24.9% |
| Iowa | $824 | -$398 | -32.6% |
| Kansas | $1,162 | -$60 | -4.9% |
| Kentucky | $1,668 | $446 | 36.5% |
| Louisiana | $1,808 | $586 | 48.0% |
| Maine | $754 | -$468 | -38.3% |
| Maryland | $1,008 | -$214 | -17.5% |
| Massachusetts | $978 | -$244 | -20.0% |
| Michigan | $2,124 | $902 | 73.8% |
| Minnesota | $1,022 | -$200 | -16.4% |
| Mississippi | $1,464 | $242 | 19.8% |
| Missouri | $1,082 | -$140 | -11.5% |
| Montana | $1,312 | $90 | 7.4% |
| Nebraska | $966 | -$256 | -20.9% |
| Nevada | $1,466 | $244 | 20.0% |
| New Hampshire | $880 | -$342 | -28.0% |
| New Jersey | $1,366 | $144 | 11.8% |
| New Mexico | $1,082 | -$140 | -11.5% |
| New York | $1,288 | $66 | 5.4% |
| North Carolina | $704 | -$518 | -42.4% |
| North Dakota | $1,000 | -$222 | -18.2% |
| Ohio | $842 | -$380 | -31.1% |
| Oklahoma | $1,256 | $34 | 2.8% |
| Oregon | $1,120 | -$102 | -8.3% |
| Pennsylvania | $1,168 | -$54 | -4.4% |
| Rhode Island | $1,630 | $408 | 33.4% |
| South Carolina | $1,108 | -$114 | -9.3% |
| South Dakota | $1,032 | -$190 | -15.5% |
| Tennessee | $1,072 | -$150 | -12.3% |
| Texas | $1,472 | $250 | 20.5% |
| Utah | $906 | -$316 | -25.9% |
| Vermont | $836 | -$386 | -31.6% |
| Virginia | $732 | -$490 | -40.1% |
| Washington | $946 | -$276 | -22.6% |
| West Virginia | $1,120 | -$102 | -8.3% |
| Wisconsin | $848 | -$374 | -30.6% |
| Wyoming | $1,090 | -$132 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2009 Pontiac G3 | $122 | $150 | $468 | $898 |
Rates are averaged for all Pontiac G3 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 the Best Pontiac G3 Insurance
Getting lower rates on auto insurance requires being a safe and courteous driver, having a good credit score, being claim-free, and possibly raising deductibles. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a brief recap of the data covered above.
- Consumers who require higher levels of liability will pay an extra $410 per year to increase from a low limit to higher 250/500 limits
- You may be able to save as much as $140 per year just by shopping early and online
- Increasing physical damage deductibles could save up to $450 each year
- Teenage drivers are expensive to insure, possibly costing $384 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,604 |
| 20 | $2,814 |
| 30 | $1,270 |
| 40 | $1,222 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,524 |
| $250 | $1,386 |
| $500 | $1,222 |
| $1,000 | $1,064 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,222 |
| 50/100 | $1,296 |
| 100/300 | $1,389 |
| 250/500 | $1,631 |
| 100 CSL | $1,334 |
| 300 CSL | $1,538 |
| 500 CSL | $1,687 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,544 |
| 20 | $4,468 |
| 30 | $2,686 |
| 40 | $2,634 |
| 50 | $2,514 |
| 60 | $2,490 |
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 | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $54 |
| Advance Quote | $59 |
| Online Quote | $85 |
| Total Discounts | $508 |
Discounts are estimated and may not be available from every company or in every state.
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