How much does Pontiac car insurance cost?

Pontiac was a staple for reliable and affordable cars, and they weren’t shy about creating vehicles with that something extra, whether it was a GTO muscle car or a supersized ride like the Grand Prix. While Pontiac was discontinued about a decade ago, that doesn’t mean its popularity died out.

When it comes to car insurance, Pontiac drivers pay an average of $1,044 per year for state minimum coverage, though how much you end up paying depends on your situation. The only way to truly understand how much your car insurance will cost is to compare car insurance quotes.

How to find the cheapest Pontiac car insurance quote?

Car insurance companies add up a lot of factors before handing over that bill, such as how old the car is, the model you own, your location, and your driving history, so your car insurance quote depends on a lot of details. Thankfully, you can skip comparison shopping and take advantage of the fact that Jerry has the insurance quotes you need. Jerry helps 4204 Pontiac owners save an average of $2,126 on their car insurance premiums!

Let’s see examples from Pontiac owners Jerry found based on all that research.

Date	Car	Insurance Company	Premium (monthly)	Customer Details	Insurance coverage	Has Full Coverage
December 29, 2024	Pontiac Grand Prix Gt	Bristol West	$96	Emilie, 32, Mineola, TX	State Minimum	No
December 29, 2024	Pontiac G6	Dairyland	$181	Lewis, 35, Imperial, MO	State Minimum	No
December 29, 2024	Pontiac Torrent	Bristol West	$104	Bill, 80, Joplin, MO	State Minimum	No
December 29, 2024	Pontiac G6	Progressive	$195	Francisco, 22, Palatka, FL	State Minimum	No
December 29, 2024	Pontiac Montana	Assurance America	$129	Ronald, 23, Interlachen, FL	No Coverage	No

Last Updated Dec 31, 2024

The best car insurance companies for Pontiac drivers

When shopping for car insurance, look for insurance quotes that fit your needs and your vehicle.

One specific auto insurance company does not work for everyone since your insurance premium is calculated based on your location, what Pontiac you drive, your driving behavior, and what kind of coverage you want. This is when you can use Jerry’s research to help you find great options.

Want to know how much other Pontiac drivers pay for their insurance? Let’s look at actual examples with different companies in the chart below:

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.6	4.4	4	4.5
Travelers	4.5	4.2	4.4	4.5
Progressive	4.3	3.9	3.9	4.3
AAA	4.2	4	3.8	4.4
Allstate	4.2	3.6	3.8	4.2
USAA	4	3.5	4.5	4.2
State Farm	4	3.4	3.8	4.2
Farmers	4	3.4	4.1	3.9
Geico	3.9	3.3	3.9	4
Liberty Mutual	3.7	3.2	3.5	3.7

Insurance costs for popular Pontiac models

Which Pontiac you drive affects your insurance rate. Let’s look at how the vehicle model changes your insurance premium:

• Safety features: Since Pontiac was discontinued, the features reflect older options available 10+ years ago. You won’t have high-tech options like Lane Assist or parking features that could lower insurance premiums, though you might have a backup camera and airbag.
• Vehicle value: This is where it gets complicated. Pontiacs will automatically be older cars, but they are popular with collectors, which can drive up the value of much older cars. An average sedan like the G3 is about what you expect for a used car, but the ever-popular GTO is considered a vintage collectible and can rack up those bids at an auction, so you might want extra insurance to protect that collectible!
• Vehicle class: A smaller class, like a sedan G6, will generally be cheaper to insure than a Solstice sports car. More than one vehicle in Pontiac’s lineup is now considered classic, such as the Firebird, so that also makes a difference.
• Engine size: One of the things Pontiac became known for was their muscle cars, which are all about power. A muscle car, like a GTO, is considered riskier due to the more powerful engine, while a sedan or hatchback has a more down-to-earth, everyday engine and will be cheaper to insure.
• Availability of replacement parts: Because Pontiac is no longer manufactured, the parts can be harder to find, especially if you’re talking about a collectible like the Firebird. And if it’s a genuine vintage car, like a GTO from the 60s, that adds to the difficulty. Since this makes repairs harder, it adds to the expense, so an insurance company might charge you more to offset their potential cost.
• Cost of repairs: Fortunately, maintenance costs tend to be lower for Pontiacs thanks to their reliability, and you’ll find plenty of mechanics familiar with the vehicles, so you won’t struggle to find affordable options. The biggest exception will be the collectible vehicles.

Let’s look at the average cost for insurance on Pontiac models:

Car	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Pontiac Grand Prix	$68	$136
Pontiac G6	$94	$158
Pontiac Vibe	$83	$125
Pontiac Torrent	$81	$116
Pontiac G5	$93	$168
Pontiac Sunfire	$82	$126
Pontiac Bonneville	$73	$142

Where you live makes a difference in how much insurance you need since each state has different requirements for minimum coverage insurance, the amount of auto coverage you must legally carry. Often, this focuses on basic liability insurance, which includes bodily injury and property damage liability coverage, but some states include more in their state minimum.

Depending on the Pontiac you own, you might want to go with full-coverage insurance since that includes collision coverage and comprehensive coverage. State minimum insurance coverage medical payments and repair costs for the other person involved in the accident, but full coverage helps you with your own medical and repair bills. And if you own a vintage or collectible Pontiac, look at getting classic car insurance!

Pontiac Firebird insurance costs

The Firebird was manufactured for decades by Pontiac, so which trim and year you have makes a big difference. The last year for the sports car was 2002, but you can go all the way back to the 60s if you want a vintage collectible. You’ll be looking at an average of $96 per month for full coverage and $85 per month if you go with the state minimum.

You can still find several versions of the Firebird when it comes to trim levels. A trim refers to a set of features the car manufacturer put together as a package deal to give you an easier way to personalize your vehicle. Let’s look at the standard trims for the 2002 Firebird during the last year of its manufacture:

Hatchback Base: (KBB Fair value $8,200) You get a 3.8-liter, V6 engine with 200 horsepower. Forget cargo space, this two-door sports car combines looks and power, and it’s easy to see why it’s still a popular option.

• Hatchback Base: (KBB Fair value $8,200) You get a 3.8-liter, V6 engine with 200 horsepower. Forget cargo space, this two-door sports car combines looks and power, and it’s easy to see why it’s still a popular option.
• Formula: (KBB Fair value $12,750) You get an upgrade on the engine, with a 5.7-liter V8 engine that comes in at 310 horsepower. The biggest difference is that extra oomph you get while behind the wheel.
• Trans Am: (KBB Fair value $12,600) This trim is similar to the Formula as far as the engine specs, but it upgrades you to an all-leather version. This gives you a chance to combine a more powerful motor with luxury.
• Convertible Base: (KBB Fair value $9,600) This is similar to the hatchback base, with the same 3.8-liter, V6 engine and 200 horsepower. The most significant difference is that convertible part–you can drive with the top down for that vintage Hollywood vibe.
• Trans Am: (KBB Fair value $11,000) This is just like the other Trans Am, complete with the 5.7 liter, V8 engine with 310 horsepower and the leather seating, you just get to decide whether you want to bother with the roof while driving.

Some Firebirds now fall under the vintage category, with estimates running from $20,000 to over $100,000 at auction, with the average value coming in at just under $36,000. As you can see, there’s a big variation! If you have a vintage or collectible Pontiac Firebird, take a closer look at classic car insurance to protect it.

In the table below, you’ll find real quotes for Pontiac Firebird drivers from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Pontiac Firebird Form	Progressive	$415	Sue, 50, Monroe, NC	State Minimum	No
Pontiac Firebird	Bristol West	$88	Nora, 30, Mount Vernon, MO	State Minimum	No
Pontiac Firebird	Progressive	$37	Gertrude, 62, Fallon, NV	State Minimum	No
Pontiac Firebird	Progressive	$36	Chad, 39, Las Cruces, NM	State Minimum	No
Pontiac Firebird	Gainsco	$79	Dennis, 29, Marysville, WA	State Minimum	No

Last Updated Dec 31, 2024

Pontiac G6 insurance costs

The G6 was manufactured through 2010 as part of Pontiac’s sedan options, and you can still find them on the road today. Since they are considered reliable overall and an older model, you don’t have to worry about paying for extras like a sports model or a classic car.

The average rate for a Pontiac G6 when it comes to insurance is $158 per month for full coverage, though as always, your specific costs will depend on all those variables insurance companies take into consideration when calculating your bill. Still, this particular model is about average for its class and age.

The trim and year of your Pontiac make a difference in how much you pay for insurance. Here are some of the last trims Pontiac made for the G6:

• 2010 Fleet: (KBB Fair market value $6,220) This modest sedan gives you a 2.4 liter, four-cylinder in-line engine that puts out 164 horsepower. You may even find examples that include satellite radio, which was an available upgrade at the time. This car was made for everyday use, nothing fancy, but reliable.
• 2005-2009 Sedan: (KBB Fair market value $3,800-6,220) The G6 started with a 3.5 liter, pushrod V6 engine with 200 horsepower, and you could choose manual or automatic transmission options. Later versions offered a 3.9 liter, V6 engine for 227 horsepower, a slight upgrade. The sedan had pretty standard options, like a CD player and six speakers.
• 2006-2009 Coupe: (KBB Fair market value $3,840-5,870) The coupe kept things modest with a 2.4 liter, four-cylinder engine with 169 horsepower, and an optional 3.5 liter V6 engine. Automatic transmission was the standard, though owners could opt for a manual transmission.
• 2006-2009 Convertible: (KBB Fair market value $4,190-6,340) The convertible followed in the coupe’s tracks as far as the engine specs and other details, but it offers owners the option to retract the roof.

In the table below, you’ll find real quotes for Pontiac G6 drivers from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Pontiac G6	Dairyland	$181	Lewis, 35, Imperial, MO	State Minimum	No
Pontiac G6	Progressive	$195	Francisco, 22, Palatka, FL	State Minimum	No
Pontiac G6	Progressive	$124	Harvey, 35, Seguin, TX	State Minimum	No
Pontiac G6 Value Leader	Electric	$95	Stanley, 42, Hampton, VA	30/60	No
Pontiac G6	National General	$117	Duane, 29, Bryan, OH	State Minimum	Yes

Last Updated Dec 31, 2024

Pontiac Grand Prix insurance cost

Pontiac canceled the Grand Prix model in 2008, but it was a popular sedan when it was around. You can still find models on the road and for sale, though they’re less common than the G6. The Grand Prix offered a more robust version of their sedans, with a souped-up engine and bigger size.

For the Grand Prix, you’ll pay an average rate of $136 per month for full coverage and $68 per month for state minimum coverage, but it also depends on how old your car is, whether it is one of the classic models, and other factors.

The Grand Prix finished out with two trims:

• Base: (KBB Fair market value $5,425) The base gave you 200 horsepower thanks to a 3.8 liter, V6 engine. You got some pretty standard basics, like a CD player, and extras like cruise control, while you could opt in for satellite radio and leather seats.
• GXP: (KBB Fair market value $6,775) The engine is the most significant difference between the two trims—a 5.3 liter, V8 engine with 303 horsepower. You also get some extras like standard leather seats and fog lights.

Most model years will keep that insurance premium at a standard rate, but the older models are considered classics and can be vintage collectibles. For example, one 1962 Pontiac Grand Prix Super Duty in excellent condition was recently valued at $257,000! If you have one of those rare collectibles, look into extra insurance, but for most owners, the chart below will give you a better estimate.

In the table below, you’ll find real quotes for Pontiac Grand Prix drivers from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Pontiac Grand Prix Gt	Bristol West	$96	Emilie, 32, Mineola, TX	State Minimum	No
Pontiac Grand Prix Gt	The General	$68	Chris, 45, Towner, ND	State Minimum	No
Pontiac Grand Prix Gtp	Dairyland	$46	Gregory, 64, Yucca Valley, CA	State Minimum	No
Pontiac Grand Prix Gtp	Mendota	$53	Lester, 43, Limon, CO	State Minimum	No
Pontiac Grand Prix Se	Dairyland	$87	Willie, 33, Canyonville, OR	State Minimum	No

Last Updated Dec 31, 2024

Pontiac Vibe insurance costs

The Pontiac Vibe was a compact car made through 2010 and is a more middle-of-the-road offering. This car was built for errands and running around town, with a focus on practicality and affordability. It was one of the smaller and least expensive options in Pontiac’s lineup, great as a starter car or if you want a low-fuss ride.

If you have a Pontiac Vibe, you can expect an average rate of $125 per month if you want full coverage car insurance versus $83 per month for state minimum coverage.

The Pontiac Vibe finished out its run with three trim options:

• Hatchback Base: (KBB Fair market value $8,000) You started with a basic 1.8 liter, four-cylinder inline engine, and 132 horsepower. The base trim was a manual transmission, front-wheel drive (FWD) model with cloth bucket seats and a basic sound system. Thanks to several packages, like a sound package, you could add some extras, but the base was about practicality and saving money, just the basics.
• 2.4-liter engine: You can go in for a better engine with 158 horsepower. You can choose the Front Wheel Drive (FWD) or All Wheel Drive (AWD) version, but you’re still driving a stick shift. One major bonus–air conditioning is standard on this version!
• Vibe GT: (KBB Fair market value $8,300) This trim also uses the 2.4-liter, four-cylinder engine and gets 158 horsepower, so you get more power behind you when using that gas pedal. The focus is on improving the motor for higher speeds, so if you put in a lot of miles on the highway, this is a better option.

In the table below, you’ll find real quotes for Pontiac Vibe drivers from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Pontiac Vibe	National General	$176	Walter, 63, Tampa, FL	No Coverage	No
Pontiac Vibe	Bristol West	$533	Lulu, 60, Atlanta, GA	State Minimum	No
Pontiac Vibe	Dairyland	$276	Roy, 34, Alamo, TX	State Minimum	Yes
Pontiac Vibe	Progressive	$82	Inez, 27, Indianapolis, IN	100/300	Yes
Pontiac Vibe	Progressive	$264	Katie, 26, Mount Holly, NJ	25/50	No

Last Updated Dec 31, 2024

Are Pontiacs more expensive to insure?

Compared to the average cost of other cars, Pontiac vehicles cost 25% less to insure.

Car Make	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Buick	$86	$172
Pontiac	$87	$142
Mini	$90	$166
Honda	$95	$169
KIA	$99	$182

Cheapest Pontiacs to insure

Fortunately, some models don’t cost as much when it comes to insurance. The cheapest Pontiac to insure is the 2010 Vibe, with an average monthly premium of $76 for state minimum coverage and an average of $163 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2010 Pontiac Vibe	$76	$163
2010 Pontiac G6	$90	$170

Most expensive Pontiacs to insure

Like any car brand, some models will have higher rates when it comes to insurance. The most expensive Pontiac model to insure is 2004 Grand Prix GT2, with an average monthly premium of $506 for state minimum coverage and an average of $524 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2010 Pontiac G6	$90	$170
2010 Pontiac Vibe	$76	$163

Of course, what you pay for auto insurance depends on where you live, your driving history, if you need classic car coverage, and more. You’ll want to get multiple insurance quotes to find the lowest rates based on different companies and what extras they might offer so you get the right combo for your needs.

What factors affect Pontiac car insurance rates?

Multiple factors change how car insurance is calculated, such as:

• Vehicle cost: Collision and comprehensive coverage are usually lower for older vehicles like a Pontiac, but it depends on whether you have a classic car.
• Vehicle age: Since Pontiacs are used, that will save you some money, but the old cars from the 60s and 70s are often considered collectible, which drives up both vehicle value and insurance costs.
• Cost of parts: Because Pontiacs are no longer produced, you might have a harder time finding the right replacement parts, but you could also find some good deals with refurbished items.
• Your age: If you are under 25, you can expect to pay more since you have less driving experience, but senior drivers will also see higher insurance rates once they turn 70.
• Your driving record and claims history: If you have a clean driving record, expect to see a break on your cost versus a driver with a history of accidents or other violations.
• Where you live: Big cities often mean higher costs than rural locations.

Here are a few specific factors that impact auto insurance rates for Pontiac:

• Materials: Pontiacs have almost no high-tech parts, unlike recent vehicles, so you don’t need to worry about expensive repairs.
• Safety: Pontiacs are generally considered safe and have high safety ratings, while the lower horsepower behind those engines means insurance companies consider them less risky.
• Reliability: Pontiacs get higher than average reliability ratings, while they have an average lower maintenance cost because they don’t break down as much.
• Brand: Since GM owned Pontiac, it was easier to access parts and repair services. The age of the vehicles now makes this a bit harder since Pontiacs are no longer made, but most cars also don’t require rare materials either.

Pontiac insurance cost for young drivers

Teen drivers between 16 and 19 years pay more for their insurance rates compared to other age groups. If you are a teen driver and own a Pontiac, consider getting full coverage to offset the higher accident rate.

Pontiac insurance cost for senior drivers

Car insurance rates increase when you get to 70 years old. Car insurance rates for seniors are often higher because older drivers tend to have higher accident rates. They can sustain more serious injuries in an accident, which leads to higher medical expenses and increased costs for insurance companies. And this means higher insurance premiums.

Pontiac insurance cost for drivers with driving violations

Your driving record affects how much your Pontiac insurance will cost. Pontiac drivers who don’t have any moving violations or accidents where they were at fault pay the most affordable rates, but if you’ve had any of the examples below on your record within the last three to five years, your coverage will go up:

• Speeding tickets
• DUIs
• At fault accidents
• Reckless driving
• Driving on a suspended license

Cheapest car insurance for Pontiac drivers with a speeding ticket

It’s unlikely that a one-time speeding ticket will hurt your Pontiac insurance rates. However, getting a lot of tickets or being cited for serious infractions, like reckless speeding, will raise your rate. But Jerry can still help Pontiac drivers find decent insurance options if they’ve gotten a couple of tickets for speeding.

Speeding Type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Speeding 1-5	Pontiac Torrent	Electric	$143	Mathilda, 32, Richmond, VA	30/60	No
Speeding 11-15	Pontiac G6 Gt	The General	$57	Esther, 62, Athens, AL	State Minimum	No
Speeding Violation-Minor	Pontiac Bonneville Se	National General	$53	Christian, 32, Clinton, NC	State Minimum	No
Speeding Violation-Minor	Pontiac G6 Gt	National General	$85	Leona, 41, Huntsville, AL	State Minimum	No
Speeding Violation-Major	Pontiac Grand Prix Gt	Bristol West	$341	Francis, 22, Phoenix, AZ	State Minimum	Yes

Last Updated Dec 31, 2024

Cheapest car insurance for Pontiac drivers with a DUI

Before choosing an auto insurance policy, ask for several estimates from different insurance carriers if you have a DUI conviction because you’ll find a lot of variation in what each insurer will charge. You can still get a reasonable rate, it will take some detective work. If you need auto insurance and have a DUI on your record, Jerry can help you out.

Cheapest car insurance for Pontiac drivers after an accident

One of the most significant factors that influence the cost of car insurance is your history of car accidents and insurance claims. Your rate may significantly rise if you cause an accident or have filed several claims. But don’t give up, let Jerry help you get affordable insurance regardless of your accident history.

Accident type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
At Fault With No Injury	Pontiac G6	Dairyland	$181	Lewis, 35, Imperial, MO	State Minimum	No
At Fault With No Injury	Pontiac Vibe	National General	$176	Walter, 63, Tampa, FL	No Coverage	No
Not At Fault	Pontiac Torrent	Electric	$143	Mathilda, 32, Richmond, VA	30/60	No
At Fault With No Injury	Pontiac G6	National General	$117	Duane, 29, Bryan, OH	State Minimum	Yes
At Fault With No Injury	Pontiac Vibe	Bristol West	$533	Lulu, 60, Atlanta, GA	State Minimum	No

Last Updated Dec 31, 2024

Cheapest car insurance for Pontiac drivers with other driving violations on their record

Things like DUIs and speeding aren’t the only things that affect your insurance premium–you can also see an increase in your bill if you have more serious violations like reckless driving and driving on a suspended license. We’ll go over some typical driving violations that can affect your rate and see how you can still find affordable options.

Violation	Car Make Model Trim	Insurance Company	Monthly Quote	Customer	Liability Limits	Has Full Coverage
Driving on Sus. License	Pontiac G6	National General	$117	Duane, 29, Bryan, OH	State Minimum	Yes
Improper Passing	Pontiac Vibe	Progressive	$82	Inez, 27, Indianapolis, IN	100/300	Yes
Failure to show documents	Pontiac G5	Progressive	$194	Scott, 46, Blythewood, SC	State Minimum	No
DUI	Pontiac G6 Gt	Progressive	$92	Lenora, 31, Elsinore, UT	State Minimum	No
Other Major	Pontiac G6 Gt	Progressive	$114	Myrtie, 36, Cocoa, FL	No Coverage	No

Last Updated Dec 31, 2024

How can I lower the cost of my Pontiac car insurance?

Okay, what are other ways to get the best rates when insuring a Pontiac vehicle?

• Shop around: Comparison shop before picking insurance coverage to get the best price and option for you. Jerry helps you out by gathering quotes from over 50 major insurance companies so that you can compare options. And if you see an offer you’re interested in, Jerry can help you sign up for that new policy and cancel the old one.
• Opt for a less expensive model: Pontiacs are already used, which helps, but some models are more in demand or considered vintage. You might want a classic GTO, but can you afford one? And remember, pricier models make your insurance rate go up.
• Bundle your insurance policies: Bundling home and auto insurance with the same company can mean a discount.
• Participate in a telematics program: Some insurance providers monitor your driving habits using technology. If you demonstrate you are a safe driver, you might be eligible for a cut on your auto insurance premium.
• Reduce your coverage: If you have an older Pontiac that isn’t considered vintage, think about cutting back on coverage to lower your bill. Save the extra insurance for a collectible or other valuables.
• Raise your deductible: Upping how much you pay out of pocket for a deductible can save you on insurance premiums–just be sure the deductible isn’t too high.