Pontiac Firebird Car Insurance: How Much Should You Expect to Pay?

The average car insurance premium for a Pontiac Firebird tends to be around $89 a month. Our complete guide will help you see how much insurance carriers might charge you to insure your Pontiac Firebird.

Quick Facts

  • A Pontiac Firebird is cheaper to insure than the average car.
  • Liability auto insurance for a Firebird averages around $69 per month, while full coverage typically comes in at about $146.
  • ACG is the cheapest insurance carrier for a Firebird.

Firebird Overview

The Pontiac Firebird is a great budget-friendly car for drivers of all types, with base prices starting at just $20,050 for 2002 models. It's not just on the affordable end of the spectrum when it comes to overall price point, it's also a great option for your budget when thinking about your car insurance premiums.

We combed through thousands of auto insurance quotes on Compare.com, and we've determined that, on average, Pontiac Firebird car insurance rates run around $89 monthly. But where does that fall compared to the rest of the market?

Current Base Price$20,050
Body Style(s)Car
Trim LevelsFORMULA/TRANS AM, FIREBIRD, TRANS AM
Average Insurance Premium$89/mo.
Cheapest Insurance CompanyACG

How Much is Car Insurance for a Pontiac Firebird?

Vehicle Liability Only Full Coverage
Pontiac Firebird$69$146
All Pontiac Models$77$150
All Cars$83$177
Average Insurance Premium$81$169

If you look at the table above, you'll see that Pontiac Firebird insurance prices are lower than average. On average, Firebird owners will pay about $146 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $69 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When you compare it to other models, the Firebird is matches Pontiac's vehicle offerings. Compared to offerings from other brands, insurance for a Firebird is also more affordable, with liability only insurance rates coming in around 17% less and 18% less for full coverage.

Overall, they're just more affordable to insure than the average vehicle, no matter what body style, model, or make they are.

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Who has the Cheapest Car Insurance for a Pontiac Firebird?

Insurance Company Average Monthly Premium
Clearcover$17
Oasis$20
Commonwealth Casualty$25
AssuranceAmerica$32
Coverhound$33

Are you searching for a car insurance policy for your Pontiac Firebird? You might want to know which company offers the cheapest prices. Even though there will never be one carrier that offers the most affordable premiums for everyone, the lowest average rates for liability only insurance are as low as just $17 monthly from Clearcover. The runner up for most affordable rates is Oasis, with car insurance policies starting sometimes as low as $20 per month.

Completing the top 5 companies are Commonwealth Casualty, AssuranceAmerica, and Coverhound. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Pontiac Firebird.

Car insurance companies take multiple factors into consideration when calculating monthly rates. By checking quotes from quite a few auto insurance carriers at once, you can guarantee you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Pontiac Firebird?

There are a variety of things that insurance companies take a look at to determine how much to charge you for car insurance -- and every company weighs different attributes more heavily than others, so there's not one carrier that's the lowest for each driver.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 YearNo Recent Models
2-3 YearsNo Recent Models
4-5 YearsNo Recent Models
6-7 YearsNo Recent Models
8-10 YearsNo Recent Models
11-14 Years$59
15 Years or Older$70

The Pontiac Firebird has been around for a while -- that means vehicle age will likely make a difference in what you end up paying for insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually get lower.

A new Pontiac Firebird model hasn't been added to the market for over 5 years, so the Firebird won't really fit this trend. However, as you can see in the table above, the most expensive Pontiac Firebirds to insure are those that are 15 years old or more, while the cheapest models are Firebirds that are 11 to 14 years old, on average.

Your Age

Age Average Monthly Premium

Age is another variable that makes a big difference in how much you pay for auto insurance. Based on the information in the table above, older Firebird drivers pay less than the youngest drivers. Pontiac Firebird drivers under 18 actually pay over three times as much as those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group being 65 years and older for Firebird drivers.

Your Gender

Gender Average Monthly Premium
Male$74
Female$58

Because women are less likely to get into accidents and get speeding tickets, they run a lower risk of filing a claim with insurance. The Pontiac Firebird follows this convention, and women pay about 28% less than men monthly for insurance.

Where You Live

State Average Monthly Premium
California$51
Florida$96
Georgia$82
Illinois$46
New York$360
North Carolina$38
Ohio$57
Pennsylvania$35
Texas$58
Virginia$52

You're probably already aware that factors like what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live matters, too? Insurance is regulated on a state-by-state basis, so rates can shift quite a bit depending on what state you live in.

For example, the average Pontiac Firebird owner from New York pays around $360 a month for liability coverage. Meanwhile, the same driver in California will pay only 20% of that price, on average. The chart shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Pontiac Firebird Car Insurance Discounts

No matter what state you live in, how old you are, or what vehicle you drive, it's always in your best interest to take advantage of as many auto insurance discounts as possible.

Not every car insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

  • Multi-policy discounts for getting both your home and auto policies from the same carrier
  • Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
  • Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than by monthly payments
  • Multi-car discounts for having several vehicles on your auto policy

While taking advantage of discounts is always a smart way to save money on your auto insurance, sometimes the best way to save is just by having a profile that looks good to insurance carriers.

While you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), there is quite bit in your control. Below are just a few of the ones you can use to your favor in order to save on auto insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$87
Multiple Accidents$97
1 Ticket$77
Multiple Tickets$110

You've probably noticed ads from insurance companies promoting large discounts for responsible drivers. It follows that if you get into a collision or get cited for speeding, auto insurance rates will go up. But you're probably wondering exactly how much these infractions can cost you.

As you can see from the table above, accidents will usually cost Firebird drivers more than tickets, but both will cause a significant increase in rates. Pontiac Firebird drivers with one ticket will pay an average of $77 monthly, while drivers with a single accident on their record pay about $87 a month (up $18 from the $69/mo. overall average). The rates only increase the more tickets you get or accidents you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$46
2,501-5,000 Miles$56
5,001-7,500 Miles$66
7,501-10,000 Miles$81
10,000+ Miles$70

The amount of miles you drive each year plays a role in your car insurance prices. Drivers who are on the roads less are less likely to get into accidents, so they'll usually be offered cheaper premiums. Above, you can see that Pontiac Firebird owners who drive 10,000 miles or more pay $70 for insurance, while those who drive fewer than 2,500 miles per year pay an average of $46 per month.

But if you're one of those drivers who don't put very many miles on your Pontiac Firebird each year, you might consider a usage-based or pay-per-mile auto insurance policy. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Pontiac Firebirds Compare to Other Vehicles?

If you're considering purchasing a new car and a Pontiac Firebird is on your shortlist, it can pay off to do your research. Auto insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth taking into consideration.

Review the table below to see how the Pontiac Firebird stacks up:

Pontiac Firebird National Average
Liability Insurance$73$81
Full Coverage Insurance$154$169
Base MSRP$20,050$28,031
Average Annual Mileage10,19111,617

Overall, the Pontiac Firebird has an MSRP that's in line with the going rate for a new vehicle. The average vehicle price in the U.S. is $28,031, and the Firebird comes in close to that at $20,050. And since it's been a few years since a new Firebird model has been on the market, used prices are going to be even less expensive.

But while the purchase price runs about average, car insurance rates run slightly below average when compared to the rest of the vehicle market. Full coverage insurance for a Pontiac Firebird is about $15 a month cheaper than average, while liability only coverage is $8 cheaper a month.

When it comes to usage, Pontiac Firebird drivers are much lower than the national average in annual miles driven, with 11,617 miles for all vehicles each year compared to the Firebird's 10,191 every year.

Pontiac Firebird Car Insurance Costs by Model Year

We've gone over many of the things that can affect how much you might pay for insurance. If you're in thinking about buying a new car, truck, or SUV and the Firebird is on your wishlist, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options.

2002 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$154
Base MSRP$20,050
Cheapest Insurance CompanyACG - $15/mo.
Available TrimsFIREBIRD, FORMULA/TRANS AM, TRANS AM

It costs around $73 per month for liability or $154 for a full coverage policy for the 2002 Firebird.

If you're looking for the lowest possible 2002 Pontiac Firebird insurance policy, ACG offered the cheapest policy we found, with rates as cheap as just $15 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2001 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$55
Full Coverage Avg. Premium$123
Base MSRP$18,855
Cheapest Insurance CompanyLiberty Mutual - $17/mo.
Available TrimsFIREBIRD, FORMULA/TRANS AM, TRANS AM

On average, drivers who own a 2001 Pontiac Firebird can expect to pay $55 to $123 monthly for liability only and full coverage insurance, respectively.

We found Liberty Mutual offered the lowest policy, with rates as little as $17 per month.

While these are good estimates of what the average driver might pay to insure a 2001 Pontiac Firebird, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2000 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$133
Base MSRP$18,690
Cheapest Insurance CompanyDirectGeneral - $20/mo.
Available TrimsFIREBIRD, FORMULA/TRANS AM, TRANS AM

2000 Firebird drivers can expect to pay an average of $70 a month for liability or $133 for full coverage.

DirectGeneral has premiums sometimes as cheap as $20 monthly for the 2000 Pontiac Firebird.

Want to figure out exactly what you'll be asked to pay? Get multiple personalized quotes for free by just entering your ZIP code below.

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1999 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$66
Full Coverage Avg. Premium$157
Base MSRP$18,165
Cheapest Insurance CompanyCommonwealth Casualty - $20/mo.
Available TrimsFIREBIRD, FORMULA/TRANS AM, TRANS AM

The average cost to insure a 1999 Pontiac Firebird with liability only coverage is $66 a month, while full coverage runs about $157 per month.

Commonwealth Casualty offered the most affordable policy we found, with rates as cheap as $20 monthly.

If you're looking for a more exact figure on what you should pay for car insurance for a 1999 Pontiac Firebird, you can get free quotes in minutes by just entering your ZIP code below.

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1998 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$133
Base MSRP$18,015
Cheapest Insurance CompanyCommonwealth Casualty - $18/mo.
Available TrimsFIREBIRD, FORMULA/TRANS AM, TRANS AM

You can expect full coverage for a 1998 Firebird to run around $133 a month, while liability only coverage will average about $71 per month.

Looking for the cheapest policy? Commonwealth Casualty offered liability only coverage for as low as $18 monthly.

Want something more accurate than national averages? Just enter your ZIP code below to get several customized quotes for free.

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1997 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$52
Full Coverage Avg. Premium$113
Base MSRP$17,124
Cheapest Insurance CompanyMercury - $18/mo.
Available TrimsFIREBIRD, FORMULA/TRANS AM

The average cost to insure a 1997 Pontiac Firebird with liability only coverage is $52 a month, while full coverage runs around $113 monthly.

With rates as little as just $18 per month, Mercury offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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1996 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$55
Full Coverage Avg. Premium$102
Base MSRP$15,614
Cheapest Insurance CompanyAnswerFinancial - $19/mo.
Available TrimsFIREBIRD, FORMULA/TRANS AM

You can expect full coverage for a 1996 Firebird to run about $102 a month, while liability only coverage will average around $55 per month.

With prices sometimes as little as $19 monthly, AnswerFinancial offered the most affordable policy we found for the 1996 Pontiac Firebird.

What will your auto insurance price be? Just enter your ZIP code below to get lots of free customized quotes.

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1995 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$106
Base MSRP$14,859
Cheapest Insurance CompanyArrowhead - $23/mo.
Available TrimsFIREBIRD, FORMULA/TRANS AM

On average, drivers who own a 1995 Pontiac Firebird can expect to pay $67 to $106 per month for liability only and full coverage car insurance, respectively.

Looking for the lowest policy? Arrowhead offered liability only coverage for sometimes as cheap as $23 a month.

If you want to know exactly how much you can expect to pay for your Firebird, just enter your ZIP code below and get several free quotes in minutes.

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1994 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$53
Full Coverage Avg. Premium$87
Base MSRP$13,995
Cheapest Insurance CompanyMile Auto - $18/mo.
Available TrimsFIREBIRD, FORMULA/TRANS AM GT, FORMULA/TRANS AM/GT

It costs about $53 monthly for liability or $87 for a full coverage policy for the 1994 Firebird.

If you're looking for the cheapest possible 1994 Pontiac Firebird insurance policy, Mile Auto offered the cheapest policy we found, with rates as cheap as $18 per month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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1993 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$56
Full Coverage Avg. Premium$65
Base MSRP$13,995
Cheapest Insurance CompanyLiberty Mutual - $23/mo.
Available TrimsFIREBIRD, FORMULA/TRANS AM/GT

1993 Pontiac Firebird drivers can expect to pay an average of $56 monthly for liability or $65 for full coverage.

Liberty Mutual has premiums as cheap as just $23 a month for the 1993 Pontiac Firebird.

Want to know exactly what your insurance price will be? Just enter your ZIP code below to get a variety of personalized quotes for free.

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1992 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$49
Full Coverage Avg. Premium$503
Base MSRP$12,505
Cheapest Insurance CompanyClearcover - $23/mo.
Available TrimsBASE/FORMULA, FIREBIRD, FORMULA, TRANS AM, TRANS AM/GTA

On average, drivers who own a 1992 Firebird can expect to pay $49 to $503 monthly for liability only and full coverage car insurance, respectively.

Clearcover offered the most affordable policy we found, with rates as little as just $23 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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1991 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$134
Full Coverage Avg. Premium$238
Base MSRP$12,690
Cheapest Insurance CompanySafeco - $17/mo.
Available TrimsBASE/FORMULA, FIREBIRD, FORMULA, TRANS AM, TRANS AM/GTA

1991 Pontiac Firebird drivers can expect to pay an average of $134 a month for liability or $238 for full coverage.

With prices sometimes as little as $17 per month, Safeco offered the lowest policy we found for the 1991 Pontiac Firebird.

These average rates are a great starting point if you're in the market for a 1991 Pontiac Firebird, but there are many different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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1990 Pontiac Firebird Car Insurance

   
Liability Only Avg. Premium$56
Full Coverage Avg. Premium$413
Base MSRP$11,320
Cheapest Insurance CompanyMetLife - $18/mo.
Available TrimsBASE/FORMULA, FIREBIRD, FORMULA, TRANS AM/GTA

It costs around $56 a month for liability or $413 for a full coverage policy for the 1990 Firebird.

We found MetLife offered the cheapest policy, with rates as low as $18 monthly.

While these are good estimates of what the average driver might pay to insure a 1990 Pontiac Firebird, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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Pontiac Firebird Insurance FAQs

Is a Pontiac Firebird expensive to insure?

Liability insurance runs an average of $69 per month, while full coverage will cost you around $146. Compared to the national average of all vehicles, premiums come in on the more affordable end of the spectrum.

How can I get the best price on car insurance for my Pontiac Firebird?

There's only one way to be confident you're getting the most affordable rates -- regularly shopping around and comparing quotes from an array of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from several companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Pontiac Firebird affect my insurance premiums?

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's actually not the case. There are numerous things auto insurance carriers examine when they offer you a premium, but the color of your vehicle is not factored into that equation.

Do I need to have insurance before I buy a Pontiac Firebird?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have an auto insurance policy in place. Some dealerships might offer you an insurance policy as part of the car-buying process, but the best thing to do when buying a an car is to let your insurance carrier know beforehand.

What car insurance discounts can I get for my Pontiac Firebird?

There are a variety of discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your Firebird and more on you, but if your Firebird has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, contact your insurance company and ask about which discounts they offer, since they vary quite a bit from company to company.

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