Pontiac Vibe Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance rates for a Pontiac Vibe are $892 a year for full coverage insurance. Comprehensive costs an estimated $152 a year, collision insurance costs $202, and liability is $402. A liability-only policy costs around $446 a year, and high-risk insurance costs around $1,918. 16-year-old drivers cost the most to insure at up to $3,558 a year.
Average premium for full coverage: $892
Policy rates broken down by type of insurance:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Vibe trim levels.
Price Range Variability
For a driver around age 40, Pontiac Vibe insurance rates range from the low end price of $446 for your basic liability-only policy to a high of $1,918 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.
The examples above illustrate why it is important to compare rates quotes for a targeted area, instead of using 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.
More Rate Information
The chart below illustrates average Pontiac Vibe insurance rates for other coverage scenarios.
- The best full coverage rate is $540
- Raising to $1,000 deductibles will save approximately $812 each year
- The estimated price for a good driver age 40 who has $500 deductibles is $892
- Buying low $100 deductibles bumps up the cost to $1,046
- At-risk drivers with multiple tickets or accidents could pay up to $1,918
- Policy cost that insures a teen driver can cost as much as $3,558
Car insurance rates for a Pontiac Vibe also range considerably based on the trim level of your Vibe, your age and driving record, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are probably paying $1,100 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 137% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $3,500 a year. View Rates by Age
Your home state also has a big influence on Pontiac Vibe insurance prices. A middle-age driver might find rates as low as $580 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,200 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $806 | -$86 | -9.6% |
| Alaska | $684 | -$208 | -23.3% |
| Arizona | $740 | -$152 | -17.0% |
| Arkansas | $892 | -$0 | 0.0% |
| California | $1,016 | $124 | 13.9% |
| Colorado | $850 | -$42 | -4.7% |
| Connecticut | $916 | $24 | 2.7% |
| Delaware | $1,006 | $114 | 12.8% |
| Florida | $1,112 | $220 | 24.7% |
| Georgia | $826 | -$66 | -7.4% |
| Hawaii | $642 | -$250 | -28.0% |
| Idaho | $604 | -$288 | -32.3% |
| Illinois | $664 | -$228 | -25.6% |
| Indiana | $674 | -$218 | -24.4% |
| Iowa | $602 | -$290 | -32.5% |
| Kansas | $848 | -$44 | -4.9% |
| Kentucky | $1,216 | $324 | 36.3% |
| Louisiana | $1,322 | $430 | 48.2% |
| Maine | $550 | -$342 | -38.3% |
| Maryland | $736 | -$156 | -17.5% |
| Massachusetts | $712 | -$180 | -20.2% |
| Michigan | $1,548 | $656 | 73.5% |
| Minnesota | $748 | -$144 | -16.1% |
| Mississippi | $1,068 | $176 | 19.7% |
| Missouri | $792 | -$100 | -11.2% |
| Montana | $958 | $66 | 7.4% |
| Nebraska | $702 | -$190 | -21.3% |
| Nevada | $1,070 | $178 | 20.0% |
| New Hampshire | $644 | -$248 | -27.8% |
| New Jersey | $998 | $106 | 11.9% |
| New Mexico | $788 | -$104 | -11.7% |
| New York | $938 | $46 | 5.2% |
| North Carolina | $514 | -$378 | -42.4% |
| North Dakota | $734 | -$158 | -17.7% |
| Ohio | $616 | -$276 | -30.9% |
| Oklahoma | $914 | $22 | 2.5% |
| Oregon | $818 | -$74 | -8.3% |
| Pennsylvania | $850 | -$42 | -4.7% |
| Rhode Island | $1,190 | $298 | 33.4% |
| South Carolina | $808 | -$84 | -9.4% |
| South Dakota | $752 | -$140 | -15.7% |
| Tennessee | $780 | -$112 | -12.6% |
| Texas | $1,076 | $184 | 20.6% |
| Utah | $662 | -$230 | -25.8% |
| Vermont | $608 | -$284 | -31.8% |
| Virginia | $536 | -$356 | -39.9% |
| Washington | $688 | -$204 | -22.9% |
| West Virginia | $818 | -$74 | -8.3% |
| Wisconsin | $616 | -$276 | -30.9% |
| Wyoming | $794 | -$98 | -11.0% |
Opting for high physical damage deductibles can reduce rates by up to $240 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. 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 | $856 | $71 |
| Pontiac Vibe 2.4 | $856 | $71 |
| Pontiac Vibe AWD | $912 | $76 |
| Pontiac Vibe GT | $912 | $76 |
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 | $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 Find the Best Cheap Pontiac Vibe Insurance
Finding cheaper rates on car insurance consists of being a low-risk driver, having a positive credit history, being claim-free, and possibly higher deductibles. Comparison shop every year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The items below are a quick review of the coverage data covered above.
- It is possible to save approximately $100 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $225 each year
- Teen drivers have the highest car insurance rates, possibly costing $297 each month if full coverage is purchased
- Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,030 more annually to insure their Vibe
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,558 |
| 20 | $2,036 |
| 30 | $910 |
| 40 | $892 |
| 50 | $818 |
| 60 | $802 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,046 |
| $250 | $976 |
| $500 | $892 |
| $1,000 | $812 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $892 |
| 50/100 | $992 |
| 100/300 | $1,093 |
| 250/500 | $1,354 |
| 100 CSL | $1,033 |
| 300 CSL | $1,254 |
| 500 CSL | $1,415 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,018 |
| 20 | $3,242 |
| 30 | $1,936 |
| 40 | $1,918 |
| 50 | $1,830 |
| 60 | $1,812 |
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 | $45 |
| Multi-vehicle | $48 |
| Homeowner | $16 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $33 |
| Advance Quote | $39 |
| Online Quote | $60 |
| Total Discounts | $352 |
Discounts are estimated and may not be available from every company or in every state.
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