Pontiac G3 Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated auto insurance rates for a Pontiac G3 are $1,222 annually for full coverage. Comprehensive insurance costs around $254, collision insurance costs $438, and liability insurance is estimated at $372. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs $2,634 or more. Teen drivers pay the most at up to $4,604 a year.
Average premium for full coverage: $1,222
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different G3 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Pontiac G3 range from as cheap as $438 for a discount liability-only rate to a much higher rate of $2,634 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences show why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than relying on 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.
Rates by State, City, and Model
The chart below shows average Pontiac G3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $714
- Choosing higher $1,000 deductibles can save about $158 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,222
- Choosing more expensive low deductibles for comp and collision coverage costs an additional $302 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,634
- An auto insurance policy with full coverage for a teen driver with full coverage can be $4,604 each year
Insurance prices for a Pontiac G3 also have a wide range based on the model of your G3, your driver profile, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $460 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Pontiac G3 insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,740 on average in Michigan, Louisiana, and New York.
| 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 Cheap Pontiac G3 Insurance
Finding better rates on Pontiac G3 insurance takes being a good driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around at least every other year by requesting rates from direct carriers, and also from local independent and exclusive agents.
The following list is a quick review of the car insurance concepts raised in the charts and tables above.
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,410 more every year than a safer driver
- Drivers can save up to $140 per year just by shopping early and online
- Increasing policy deductibles could save up to $450 each year
- Drivers who may need an increased level of liability coverage will pay about $410 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
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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