Pontiac Vibe Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance prices for a Pontiac Vibe are $864 every 12 months for full coverage insurance. Comprehensive costs an estimated $148, collision costs $182, and liability costs $398. Buying just liability costs as little as $444 a year, with insurance for high-risk drivers costing around $1,850. 16-year-old drivers receive the highest rates at $3,454 a year or more.
Average premium for full coverage: $864
Rate estimates broken down by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different Vibe trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $444 for just liability coverage to a much higher rate of $1,850 for a policy for a high-risk driver.
Price Range by Location
Your location can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities.
The price range example below illustrates how where you live affects insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, 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.
Detailed Rate Analysis
The chart below illustrates estimated Pontiac Vibe insurance rates for other coverage scenarios.
- The best full coverage rate is $527
- Drivers who choose higher $1,000 deductibles will pay approximately $76 each year
- The average price for a 40-year-old driver who has $500 deductibles is $864
- Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,004
- Drivers with multiple tickets or accidents could pay up to $1,850 or more
- The cost to insure a 16-year-old driver with full coverage can cost as much as $3,454 a year
Auto insurance rates for a Pontiac Vibe can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles could save up to $220 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $800 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $3,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,000 to $1,500 in extra premium per year, depending on your age. High-risk driver insurance can cost from 43% to 129% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Pontiac Vibe insurance prices. A 40-year-old driver could pay as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,170 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $780 | -$84 | -9.7% |
| Alaska | $664 | -$200 | -23.1% |
| Arizona | $714 | -$150 | -17.4% |
| Arkansas | $864 | -$0 | 0.0% |
| California | $982 | $118 | 13.7% |
| Colorado | $824 | -$40 | -4.6% |
| Connecticut | $886 | $22 | 2.5% |
| Delaware | $976 | $112 | 13.0% |
| Florida | $1,076 | $212 | 24.5% |
| Georgia | $798 | -$66 | -7.6% |
| Hawaii | $620 | -$244 | -28.2% |
| Idaho | $584 | -$280 | -32.4% |
| Illinois | $642 | -$222 | -25.7% |
| Indiana | $650 | -$214 | -24.8% |
| Iowa | $582 | -$282 | -32.6% |
| Kansas | $818 | -$46 | -5.3% |
| Kentucky | $1,178 | $314 | 36.3% |
| Louisiana | $1,278 | $414 | 47.9% |
| Maine | $534 | -$330 | -38.2% |
| Maryland | $712 | -$152 | -17.6% |
| Massachusetts | $686 | -$178 | -20.6% |
| Michigan | $1,498 | $634 | 73.4% |
| Minnesota | $724 | -$140 | -16.2% |
| Mississippi | $1,036 | $172 | 19.9% |
| Missouri | $766 | -$98 | -11.3% |
| Montana | $926 | $62 | 7.2% |
| Nebraska | $678 | -$186 | -21.5% |
| Nevada | $1,036 | $172 | 19.9% |
| New Hampshire | $622 | -$242 | -28.0% |
| New Jersey | $966 | $102 | 11.8% |
| New Mexico | $762 | -$102 | -11.8% |
| New York | $908 | $44 | 5.1% |
| North Carolina | $498 | -$366 | -42.4% |
| North Dakota | $708 | -$156 | -18.1% |
| Ohio | $594 | -$270 | -31.3% |
| Oklahoma | $884 | $20 | 2.3% |
| Oregon | $792 | -$72 | -8.3% |
| Pennsylvania | $822 | -$42 | -4.9% |
| Rhode Island | $1,152 | $288 | 33.3% |
| South Carolina | $782 | -$82 | -9.5% |
| South Dakota | $728 | -$136 | -15.7% |
| Tennessee | $754 | -$110 | -12.7% |
| Texas | $1,040 | $176 | 20.4% |
| Utah | $638 | -$226 | -26.2% |
| Vermont | $590 | -$274 | -31.7% |
| Virginia | $514 | -$350 | -40.5% |
| Washington | $666 | -$198 | -22.9% |
| West Virginia | $792 | -$72 | -8.3% |
| Wisconsin | $596 | -$268 | -31.0% |
| Wyoming | $768 | -$96 | -11.1% |
With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from multiple companies. Every company utilizes a different rate formula, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Pontiac Vibe 1.8 | $828 | $69 |
| Pontiac Vibe 2.4 | $828 | $69 |
| Pontiac Vibe AWD | $880 | $73 |
| Pontiac Vibe GT | $880 | $73 |
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 | $152 | $202 | $402 | $892 |
| 2009 Pontiac Vibe | $148 | $182 | $398 | $864 |
| 2008 Pontiac Vibe | $146 | $178 | $390 | $850 |
| 2007 Pontiac Vibe | $144 | $168 | $384 | $832 |
| 2006 Pontiac Vibe | $132 | $160 | $380 | $808 |
| 2005 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 Cheaper Pontiac Vibe Insurance
Saving money on insurance for a Pontiac Vibe not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a condensed summary of the coverage data touched on in the above illustrations.
- It is possible to save approximately $100 per year simply by shopping early and online
- Increasing deductibles could save as much as $225 each year
- Teenagers are the costliest to insure, costing up to $288 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $990 more annually for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,454 |
| 20 | $1,962 |
| 30 | $878 |
| 40 | $864 |
| 50 | $794 |
| 60 | $778 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,004 |
| $250 | $940 |
| $500 | $864 |
| $1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $864 |
| 50/100 | $960 |
| 100/300 | $1,059 |
| 250/500 | $1,318 |
| 100 CSL | $999 |
| 300 CSL | $1,218 |
| 500 CSL | $1,378 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,864 |
| 20 | $3,126 |
| 30 | $1,866 |
| 40 | $1,850 |
| 50 | $1,766 |
| 60 | $1,750 |
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 | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $58 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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