Cheapest Pontiac Car Insurance (Nov 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

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
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 4403 Pontiac owners save an average of $2,139 on their car insurance premiums!
Let’s see examples from Pontiac owners Jerry found based on all that research.

The best car insurance companies for Pontiac drivers

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 CompanyOverall RatingPriceClaims ExperienceCustomer Service
State Farm
Liberty Mutual

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Cheap good insurance.
Great services, cheapest and best value policies.
National General
Amazing affordable insurance
Bristol West
They've been great so far

Are Pontiacs more expensive to insure?

Compared to the average cost of other cars, Pontiac vehicles cost 24% less to insure. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost

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 MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost

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 MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
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
    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.

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.

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. 

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.


Compared to other brands, they are about average. Pontiacs are used and older cars, so that helps bring the price down. They also don’t use a lot of fancy technology, so you don’t need to worry about computer parts repairs or things like that. However, if you have a vintage or collectible Pontiac, then you should protect it with extra insurance since it is worth a lot more.
As long as you take good care of your Pontiac, like keeping up with regular maintenance, you can generally get between 200,000 to 250,000 miles. Models like the Grand Prix are considered the most reliable and can get close to 300,000 miles with extra care. And some of those vintage cars have been around since the 1960s!
Current Pontiac owners give the vehicles a higher than average rating when it comes to reliability, like the 4.4/5 score on, and many Pontiac drivers are very satisfied with their rides. In fact, Pontiac has a solid fan base, even though the line was discontinued in 2010! 
Considering the last new cars were made over a decade ago and people still seek out Pontiacs, it’s safe to say that they do pretty well. Being used doesn’t stop higher than average sales prices, and you can find many options still on the market. Some of that comes from Pontiac being started by GM, but Pontiac also worked to make a name for the company and created a lot of well-known classics.


The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.