Pontiac G5 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Pontiac G5 costs less than most other cars to insure.
• Liability only auto insurance premiums for a G5 come in at about $86 monthly, while full coverage normally tends to be around $164 per month.
• The most affordable insurance company for a G5 is CaliforniaCasualty, who offers liability only coverage for as low as just $24 monthly, on average.

G5 Overview

The Pontiac G5 is a great car for all budgets, with a base price of just $16,980 for 2009 models. There are two different trim levels currently offered, so you'll drive off the dealership lot in style.

After analyzing thousands of auto insurance quotes through Compare.com, we've found that Pontiac G5 car insurance prices run about $126 per month, on average. But how does that fare against its competitors?

How Much is Car Insurance for a Pontiac G5?

If you look at the table above, you'll see that compared to other vehicles on the road, Pontiac G5 insurance rates are around average. On average, G5 drivers will pay about $86 a month for liability insurance, and around $164 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Comparing it to other Pontiac models, the G5 is slightly more expensive, with premiums about 9% higher than the rest of the manufacturer's vehicle lineup. Compared to offerings from other brands, auto insurance for a G5 runs close to average, with full coverage insurance prices $13 cheaper than other cars and liability insurance rates coming in at $3 higher.

The same applies when comparing the Pontiac G5 to vehicles of any body type, no matter what make, model, or body style they are.

Who has the Cheapest Car Insurance for a Pontiac G5?

If you're looking for a new auto insurance policy for your Pontiac G5, you most likely want to know which carrier offers the lowest prices. Although costs will generally be pretty different from policyholder to policyholder, CaliforniaCasualty has the cheapest average rates for liability only coverage, with rates as little as just $24 a month. The next lowest company is Hugo, who offers insurance as little as $25 per month.

Completing the top 5 carriers are CSAA, USAA, and ACG. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance carriers take a wide array of different factors into consideration when calculating how much to charge you. There's only one way to make sure you find the most affordable possible rates, and that's by checking quotes from a whole range of car insurance companies.

What Factors Affect Car Insurance Rates for a Pontiac G5?

As we mentioned above, there are a multitude of variables that insurance carriers reference to calculate how much they charge you for car insurance -- and each carrier weighs certain attributes more than others, so there's not a single company that's the lowest for every G5 driver.

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

Vehicle Age

The Pontiac G5 has been around for a while, so vehicle age will likely play a big role in what you end up paying for auto insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as time goes on and G5s continue to depreciate, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the G5 won't really fit this trend. However, as you can see in the table above, the cheapest Pontiac G5s to insure are those that are 4 to 5 years old, while the most expensive models are G5s that are 15 years old or more, on average.

Your Age

Age is another factor that plays a role in how much insurance companies will charge. Based on the information above, younger drivers pay more for auto insurance than drivers who have more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for G5 drivers.

Your Gender

Men tend to pay more for car insurance than women. This is because women are less likely to get speeding tickets and get into collisions, which lowers the chances of an insurance claim. The Pontiac G5 is no different, and men pay around 23% more than women monthly for insurance.

Where You Live

You were probably already aware that variables such as how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live can be just as important? Since car insurance is regulated on the state level and not nationally, rates can change quite a bit from state to state.

For example, the average Pontiac G5 owner in New York pays about $128 a month for liability coverage, while the same Californian driver will pay less than half of that price, on average. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change across states.

Pontiac G5 Car Insurance Discounts

No matter which car you drive, how old you are, or where you live, it's always important to take advantage of as many insurance discounts as possible when shopping around for a new policy.

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

• Pay-in-full discounts for agreeing to pay your entire policy premium up front, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same company
• Multi-car discounts for having more than one vehicle on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution

There are lots of other discounts out there for saving money on your auto insurance. Often, it's actually having a good driving record and positive insurance profile that get you the most affordable rates.

Even though you don't have control over every variable car insurance carriers take a look at to calculate prices (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the ones you can use in your favor in order to save on insurance:

Your Driving Record

You've probably noticed ads from auto insurance companies posting hefty savings for good drivers. And you probably wouldn't be surprised that if you get into an accident or get speeding tickets, insurance premiums will go higher. But you're probably wondering exactly how much these infractions can cost you.

As you can tell, accidents will usually cost G5 drivers more than tickets, but both will result in above average rates. Pontiac G5 drivers with a single ticket will pay about $102 per month, while drivers with one accident on their record pay an average of $117 each month (up $31 from the $86/mo. overall average). Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor you have control over is the total amount of miles you drive each year. Those who are on the roads less often are more likely to go accident-free, so they'll usually get less expensive prices. In the above table, you can see that Pontiac G5 owners who drive between 5,000 and 7,500 miles a year pay an average of $76 monthly for car insurance, while those who put less than 2,500 miles on their cars pay $106.

If you don't use your Pontiac G5 to travel or commute regularly, it may be worth learning about pay-per-mile or usage-based auto insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Pontiac G5s Compare to Other Vehicles?

If you're thinking about making a Pontiac G5 your next purchase, it might be helpful to do your research. Insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Review the table below to see how the Pontiac G5 stacks up:

Overall, the Pontiac G5 is a great value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. The G5 comes in at $16,980, which is quite a bit lower than the national average vehicle MSRP of $33,180. And since there hasn't been a new G5 model on the market in the last few years, used prices will be even lower.

In the same fashion, insurance premiums are slightly lower when compared to other vehicles on the market. Liability insurance for a Pontiac G5 is around $3 per month more than average, while full coverage is $9 less per month.

When it comes to usage, Pontiac G5 drivers are pretty close to the national average in annual miles driven, with 10,772 miles per year compared to 11,617 for all vehicles.

Pontiac G5 Car Insurance Costs by Model Year

We've gone over many of the factors that can have an impact on what you'll pay for auto insurance. If you're in the market for a new car, truck, or SUV and the G5 is on your wishlist, knowing what you can expect to pay can be helpful as you consider your choices.

2009 Pontiac G5 Car Insurance

It costs about $84 a month for liability or $160 for a full coverage policy for the 2009 Pontiac G5.

With prices as cheap as just $21 per month, Clearcover offered the cheapest policy we found.

If you want to find the best rates for auto insurance for a 2009 Pontiac G5, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2008 Pontiac G5 Car Insurance

On average, drivers who own a 2008 G5 can expect to pay $95 to $159 monthly for liability only and full coverage car insurance, respectively.

With premiums as low as $16 a month, Clearcover offered the most affordable policy we found for the 2008 Pontiac G5.

What could your insurance rate look like? Get a variety of customized quotes for free by just entering your ZIP code below.

2007 Pontiac G5 Car Insurance

2007 Pontiac G5 drivers can expect to pay an average of $82 monthly for liability or $171 for full coverage.

CSAA offered the lowest policy we found, with rates sometimes as low as $17 per month.

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

Pontiac G5 Insurance FAQs

Is a Pontiac G5 expensive to insure?

Compared to the national average of all vehicles, prices come in on the more affordable end of the spectrum. Liability insurance runs an average of $86 a month, while full coverage will cost you around $164.

How can I get the best price on car insurance for my Pontiac G5?

There's only one way to ensure you're getting the cheapest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from several carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Pontiac G5 affect my insurance premiums?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not true. There are several things car insurance companies consider when they offer you a premium, but the color of your car is not on that list.

Do I need to have insurance before I buy a Pontiac G5?

You'll need to have valid insurance for your Pontiac G5 before you can legally drive your it off the dealership lot. Some dealerships might offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a an car is to talk with your auto insurance company beforehand.

What car insurance discounts can I get for my Pontiac G5?

There are a variety of discounts out there for car insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your G5 has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The best way to find out is to contact your insurance carrier and ask about their discounts.