Pontiac G8 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Pontiac G8 costs more than most other cars to insure.
• Liability only car insurance rates for a G8 run about $96 per month, while full coverage usually comes in at around $187.
• Sun Coast provides the lowest average premiums for a G8 with liability only coverage offered for as cheap as just $33 monthly.

G8 Overview

The Pontiac G8 is a great mid-level car for drivers of all types, with 2009 models starting at $28,250. Drive off the dealership lot in style, with three different trim options available.

Based on analyzing thousands of auto insurance quotes from Compare.com, we've found that Pontiac G8 insurance prices are about $161 per month, on average. But how does that compare to other cars on the market?

How Much is Car Insurance for a Pontiac G8?

Looking at the table above, you'll find that when you compare the Pontiac G8 to other vehicles, insurance premiums are more expensive than average. On average, G8 drivers will pay around $187 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $96 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference).

When you compare it to other models, the G8 is more expensive, with rates more than 10% higher than the other vehicle types offered by Pontiac. Likewise, G8 coverage is above average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging more expensive premiums than other cars.

Generally, they're just more expensive to insure than the average vehicle, regardless of which make, body style, or model you compare it to.

Who has the Cheapest Car Insurance for a Pontiac G8?

Browsing for a car insurance policy for your Pontiac G8? You're likely wondering which carrier offers the cheapest rates. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $31 per month from FirstChicago. With car insurance sometimes as cheap as $33 per month, Sun Coast is the next cheapest car insurance company.

MetroMile, Hallmark, and StateAuto finish off the rest of the top 5. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Pontiac G8.

Car insurance carriers use a multitude of different things and complex formulas to calculate rates. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from many auto insurance companies.

What Factors Affect Car Insurance Rates for a Pontiac G8?

There are a whole range of variables that insurance carriers reference to decide how much to charge -- and every carrier weighs certain attributes more than others, so there's not one single company that's the cheapest for each driver.

The sections below show a bunch of factors auto insurance companies use to calculate rates:

Vehicle Age

The Pontiac G8 has been around for a while -- that means vehicle age will likely play a role in what you end up paying for insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and G8s continue to depreciate, insurance costs will gradually go down.

A new Pontiac G8 model hasn't been added to the market for over 5 years, so the G8 won't really fit this trend. However, as you can see in the table above, the most expensive Pontiac G8s to insure are those that are 11 to 14 years old, while the cheapest models are G8s that are 6 to 7 years old, on average.

Your Age

Age is another variable that plays a significant role in how much car insurance carriers will charge you for auto insurance. As you can see above, drivers who have more experience on the road pay less than teenage drivers. Pontiac G8 drivers under 18 actually pay $67 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with drivers aged 35-44 making up the cheapest age group for the G8.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, women tend to get cheaper rates than men. The Pontiac G8 follows this convention, and men pay about $31 more than women a month for car insurance.

Where You Live

You may already know that things like how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live can be just as important? Insurance is regulated on the state level rather than nationally, so rates can fluctuate quite a bit from state to state.

For example, the average Pontiac G8 owner from New York pays around $244 monthly for liability coverage. Meanwhile, the same driver in California will pay less than 50% of that price, on average.

Pontiac G8 Car Insurance Discounts

No matter your age, your home state, or your car, using as many discounts as possible when it comes to your auto insurance policy is always the smart move.

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 discounts like:

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

These are just a few of the discounts car insurance companies offer, and sometimes, it's actually having a good driving record and positive insurance history that get you the best rates.

Although you can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), there is quite a bit that you can control. Below are just a few of the ones you can use in your favor when it comes to saving money:

Your Driving Record

You've almost certainly heard ads from car insurance carriers promoting large savings for safe drivers. It makes sense that your insurance prices will increase if you get a ticket for speeding or get into a collision. But exactly how much can these infractions cost you?

According to the table above, accidents will usually cost G8 drivers more than tickets, but both will result in higher than average rates. Pontiac G8 drivers with one accident on their record pay an average of $147 a month (up $51 from the $96/mo. overall average), while drivers with a single ticket will pay about $98 a month. The rates only go higher the more accidents you have or tickets you get.

How Much You Drive

The amount of miles you drive affects your car insurance premiums. Drivers who are on the roads less often are less likely to get tickets, so they'll normally end up spending less on insurance. Based on the table above, you can see that Pontiac G8 owners who drive fewer than 2,500 miles each year pay an average of $47 monthly for auto insurance, while those who put 10,000 miles or more on their cars pay $94.

But if you don't use your Pontiac G8 to travel or commute regularly, you might consider a usage-based or pay-per-mile car insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Pontiac G8s Compare to Other Vehicles?

If you're considering buying a new vehicle and a Pontiac G8 is on your shortlist, you might be wondering how it compares to other vehicles. Auto insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth taking into consideration.

Take a look at the table below to see how the Pontiac G8 compares:

Overall, the Pontiac G8 has an average MSRP and is in line with the going rate for a new vehicle. The G8's $33,180 base MSRP is right on trend with the national average of $28,250. A used G8 will be even more affordable, since there hasn't been a new model added to the market in the last few years.

But while the purchase price runs about average, auto insurance rates run slightly above average when compared to the rest of the vehicle market. Full coverage insurance for a Pontiac G8 is about $13 per month more than average, while liability only coverage is $6 higher per month.

When it comes to usage, Pontiac G8 drivers are much higher than the national average in annual miles driven, with 12,815 miles per year compared to 11,617 for all vehicles.

Pontiac G8 Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on how much the average driver pays for insurance. If you're thinking about buying a new vehicle and the G8 is one you're considering, having a good idea of how much you'll likely pay is extremely valuable as you weigh your options.

2009 Pontiac G8 Car Insurance

2009 G8 drivers can expect to pay an average of $87 a month for liability or $182 for full coverage.

Looking for the lowest policy? Elephant offered liability only coverage for as low as just $20 per month.

If you want to know exactly how much you can expect to pay for your G8, get free quotes in minutes by just entering your ZIP code below.

2008 Pontiac G8 Car Insurance

The average cost to insure a 2008 Pontiac G8 with liability only coverage is $113 monthly, while full coverage runs around $197 a month.

If you're looking for the cheapest possible 2008 Pontiac G8 insurance policy, Liberty Mutual offered the cheapest policy we found, with rates as cheap as $19 monthly.

Interested in what your auto insurance premium could look like? Enter your ZIP code below to get a variety of free customized quotes.

Pontiac G8 Insurance FAQs

Is a Pontiac G8 expensive to insure?

Liability insurance runs an average of $96 per month, while full coverage will cost you around $187. The Pontiac G8 is more expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Pontiac G8?

The only way to be confident you're getting the lowest price on insurance is to check prices regularly and compare quotes from a variety of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a range of 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 G8 affect my insurance premiums?

You might have heard the old adage that it costs more to insure a red car than cars of other colors, but that's simply not true. Although there are many variables auto insurance companies think about when they calculate how much you'll pay, the color of your G8 isn't one of them.

Do I need to have insurance before I buy a Pontiac G8?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you a car insurance policy as part of the buying process, but your best bet is letting your insurance company know beforehand.

What car insurance discounts can I get for my Pontiac G8?

There are a wide array of discounts out there when it comes to car insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your Pontiac G8 and more on you, but if your G8 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, contact your insurance carrier and ask about their list of discounts, since they change quite a bit from company to company.