Pontiac G6 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Pontiac G6 than the average car.
• Full coverage car insurance for a G6 averages about $166 per month, on average, while liability only insurance normally runs around $86 monthly.
• The cheapest auto insurance company for a G6 is Hugo.

G6 Overview

With 2010 models starting at $21,275, the Pontiac G6 is a great budget-friendly car for drivers of all types. There are two different trim levels currently available, so every driver can find an option to match their style.

We ran through thousands of insurance quotes on Compare.com, and we've found that average Pontiac G6 auto insurance rates run about $124 per month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Pontiac G6?

You can see in the table above that compared to other vehicles on the road, Pontiac G6 insurance prices are around average. G6 owners typically pay about $86 monthly for liability insurance, and around $166 a month 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 these different types of insurance).

Comparing it to other Pontiac models, the G6 is more expensive, with premiums about 11% higher than the rest of the manufacturer's vehicle offerings. Compared to offerings from other brands, insurance for a G6 runs close to average, with liability insurance rates coming in at 4% higher than other cars and full coverage insurance premiums at 6% cheaper.

Compared to all vehicles, no matter which body style, make, or model they are, the G6 follows a similar pattern of having average insurance prices.

Who has the Cheapest Car Insurance for a Pontiac G6?

If you're in the market for an auto insurance policy for a Pontiac G6, you might want to know which carrier offers the cheapest premiums. While costs will generally be pretty different from person to person, MainStreet and and ACG offer the lowest average rates for liability only coverage, with rates sometimes as little as $24 per month.

CaliforniaCasualty, Safeway, and Fiesta round out the rest of the top 5 list. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Pontiac G6.

Insurance companies use a lot of different variables and complex formulas to calculate rates. The only way to guarantee you find the most affordable rates is to compare quotes from several car insurance carriers.

What Factors Affect Car Insurance Rates for a Pontiac G6?

There are a multitude of variables that auto insurance companies use to determine how much they charge -- and each company uses a different algorithm, so there's not one single carrier that's the lowest for every driver.

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

Vehicle Age

The Pontiac G6 has been around for a while -- that means vehicle age will likely play a big role in what you end up paying for car insurance. Usually, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the G6. However, as you can see in the table above, the cheapest Pontiac G6s to insure are those that are 4 to 5 years old, while the most expensive models are G6s that are 11 to 14 years old, on average.

Your Age

How old you are plays a role in how much insurance carriers will charge you for a policy. Based on the information in the table above, teenage G6 drivers have more expensive rates than older G6 drivers. In this case, drivers under 18 pay over three times as much as those 25 or older.

Car insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the G6.

Your Gender

Did you know men tend to pay more for auto insurance than women? This is because men are more likely to get into accidents and get tickets, which increases the chances of an insurance claim. When it comes to G6 drivers specifically, women pay around $6 less than men monthly for car insurance.

Where You Live

You might think it's common sense that things such as how old you are and what vehicle you drive play a role in your insurance premiums, but you may not realize that where you live can be equally important. Auto insurance is regulated on the state level and not nationally, so prices can change quite a bit depending on which state you call home.

For example, the average Pontiac G6 driver in New York pays about $128 a month for liability coverage. Meanwhile, on average, the same Californian owner will pay less than half of that price. The table above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change across states.

Pontiac G6 Car Insurance Discounts

Whatever your age, your home state, or your car, using as many discounts as possible when it comes to your car insurance is always important when shopping around for a new policy.

While no two insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Pay-in-full discounts for agreeing to pay your entire policy price up front, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Multi-car discounts for insuring more than one of your vehicles with the same carrier
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution

But these aren't the only discounts auto insurance companies offer to their customers. Often, it's actually your insurance profile and driving history that get you the best rates.

Even though you can't control every factor car insurance carriers take a look at to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the factors you can use in your favor in order to save money on insurance:

Your Driving Record

You've most likely observed ads from auto insurance companies posting big savings for responsible drivers. It should be no surprise that your insurance premiums will go higher if you get tickets for speeding or get into an accident. But you still might be left wondering exactly how much these infractions will cost you.

According to the table above, accidents will usually cost G6 drivers more than tickets, but both will result in higher than average rates. Pontiac G6 drivers with a single accident on their record pay an average of $100 a month (up $14 from the $86/mo. overall average), while drivers with one ticket will pay about $93 monthly. Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

The amount of miles you drive impacts your auto insurance prices. Those who are on the roads less are more likely to go accident-free, so they'll usually end up spending less on car insurance. Based on the table above, you can see that Pontiac G6 owners who drive fewer than 2,500 miles per year pay about $82 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $86.

But if you happen to be one of those drivers who put very few miles on your Pontiac G6 each year, it may be worth considering usage-based or pay-per-mile insurance. 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.

How Do Pontiac G6s Compare to Other Vehicles?

If you're thinking about making a Pontiac G6 your next vehicle, it can pay off to do your homework. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering carefully.

Review the table below to see how the Pontiac G6 stacks up:

As you can see, the Pontiac G6 is pretty much in line with the average vehicle price here in the U.S. The average vehicle MSRP in the U.S. is $29,720, and the G6 comes in close to that at $21,275. A used G6 will be even cheaper, since there hasn't been a new model on the market recently.

Likewise, car insurance rates run right about average when compared to the rest of the vehicle market. Liability insurance for a Pontiac G6 is around $4 per month more than average, while full coverage is $4 less per month.

When it comes to usage, Pontiac G6 drivers are near the national average in annual miles driven, with 11,617 miles every year for all vehicles compared to the G6's 11,777 each year.

Pontiac G6 Car Insurance Costs by Model Year

We've gone over many of the variables that can affect how much the average driver pays to insure a Pontiac G6. But if you're in thinking about buying a new car, truck, or SUV and the G6 is on your wishlist, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your choices.

2010 Pontiac G6 Car Insurance

2010 Pontiac G6 drivers can expect to pay an average of $85 a month for liability or $165 for full coverage.

StateAuto has rates as little as $18 monthly for the 2010 Pontiac G6.

If you want to find the best premiums for car insurance for a 2010 Pontiac G6, enter your ZIP code below and compare a whole bunch of personalized quotes in just a few minutes.

2009 Pontiac G6 Car Insurance

You can expect full coverage for a 2009 G6 to run about $167 per month, while liability only coverage will average around $86 monthly.

With rates sometimes as cheap as $18 per month, MetLife offered the cheapest policy we found for the 2009 Pontiac G6.

Interested in what your auto insurance rate will be? Enter your ZIP code below to get multiple free personalized quotes.

2008 Pontiac G6 Car Insurance

On average, drivers who own a 2008 Pontiac G6 can expect to pay $87 to $168 a month for liability only and full coverage car insurance, respectively.

If you're looking for the lowest possible 2008 Pontiac G6 insurance policy, Clearcover offered the lowest policy we found, with rates as low as $18 per month.

If you want to know exactly how much you can expect to pay for your G6, just enter your ZIP code below and get free quotes in minutes.

2007 Pontiac G6 Car Insurance

The average cost to insure a 2007 G6 with liability only coverage is $90 monthly, while full coverage runs about $169 a month.

We found Elephant offered the cheapest policy, with rates as cheap as $14 per month.

Want something more accurate than national averages? Get lots of free customized quotes by just entering your ZIP code below.

2006 Pontiac G6 Car Insurance

It costs around $86 a month for liability or $161 for a full coverage policy for the 2006 Pontiac G6.

With prices as low as just $17 monthly, ACG offered the most affordable policy we found.

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

2005 Pontiac G6 Car Insurance

2005 G6 drivers can expect to pay an average of $77 a month for liability or $158 for full coverage.

Mile Auto offered the lowest policy we found, with rates as cheap as just $17 monthly.

If you want to find the best premiums for insurance for a 2005 Pontiac G6, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

Pontiac G6 Insurance FAQs

Is a Pontiac G6 expensive to insure?

Compared to the national average of all cars, prices come in on the lower end of the spectrum. Liability insurance runs an average of $86 per month, while full coverage will cost you around $166.

How can I get the best price on car insurance for my Pontiac G6?

There's only one way to make sure you're getting the cheapest rates -- checking prices regularly and comparing quotes from a whole range of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a wide array of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Pontiac G6 affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not the case. There are several things auto insurance carriers examine when they calculate how much you'll pay, but your car's color isn't one of them.

Do I need to have insurance before I buy a Pontiac G6?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships may offer you an insurance policy, but your best bet is letting your auto insurance company know before you buy.

What car insurance discounts can I get for my Pontiac G6?

You will find a wide array of discounts out there for insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the Pontiac G6 you drive, but if your G6 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The best way to find out is to get in touch with your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.