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

Quick Facts

• A Pontiac Grand Am costs less than most other cars to insure.
• Full coverage for a Grand Am typically averages about $127 monthly, while liability only car insurance premiums run around $74 a month.
• At sometimes as cheap as $36 monthly for liability only coverage, CaliforniaCasualty is the cheapest auto insurance company for a Grand Am.

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Grand Am Overview

With 2005 models starting at $20,090, the Pontiac Grand Am is a great car for drivers on a budget. There's a Grand Am for every driver, with three different trim options offered.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've determined that, on average, Pontiac Grand Am car insurance prices run about $89 per month. How do insurance rates for the Grand Am compare to prices of other similar cars?

How Much is Car Insurance for a Pontiac Grand Am?

Looking at the table above, you can see that Pontiac Grand Am insurance premiums are lower than average. Grand Am drivers can expect to pay around $74 a month for liability insurance, and about $127 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Compared to other Pontiac models, the Grand Am is less expensive, with rates more than 10% lower than the rest of the manufacturer's vehicle offerings. Compared to offerings from other brands, auto insurance for a Grand Am is also more affordable, with liability only insurance prices coming in around $9 less and $50 less for full coverage.

They're also more affordable to insure than the average vehicle overall, regardless of model, body style, or make.

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Who has the Cheapest Car Insurance for a Pontiac Grand Am?

If you're looking for a car insurance policy for a Pontiac Grand Am, you probably want to know which carrier offers the cheapest prices. While premiums can differ pretty dramatically from person to person, ACG offers the most affordable average rates for liability only coverage, with rates as low as $27 per month. The runner up for lowest rates is Safeway, with car insurance policies starting as cheap as $32 a month.

CaliforniaCasualty, Hugo, and MetroMile round out the end of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, your results might be different, since auto insurance carriers look at a wide array of factors when calculating rates. By checking quotes from several insurance companies at once, you can rest easy knowing that you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Pontiac Grand Am?

There are a range of pieces that car insurance carriers consider to decide how much they charge for a policy -- and each company uses a different formula, so there's not a singular carrier that's the cheapest for every 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 Grand Am has been around for a while, so vehicle age may make a big difference in what you end up paying for insurance. Usually, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually get lower.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the Grand Am. However, as you can see in the table above, the cheapest Pontiac Grand Ams to insure are those that are 8 to 10 years old, while the most expensive models are Grand Ams that are 11 to 14 years old, on average.

Your Age

How old you are makes a significant difference in how much you pay for auto insurance. Based on the information in the table above, drivers under 18 have more expensive rates than those who have more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Grand Am.

Your Gender

Did you know women tend to pay less for car insurance than men? This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim. The Pontiac Grand Am is no different, and women pay about $7 less than men monthly for insurance.

Where You Live

It may be obvious 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 is just as important? Car insurance is regulated at the state level, so rates can change quite a bit from state to state.

For example, the average Pontiac Grand Am driver in New York pays around $117 a month for liability coverage, while on average, the same owner from California will pay less than half of that price. The chart above shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change between states.

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Pontiac Grand Am Car Insurance Discounts

Whatever what car you drive, what state you live in, or how old you are, using as many discounts as possible when it comes to your insurance policy is always a smart move.

Even though all car insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• 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
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than by monthly payments

While these are just a few of the discounts auto insurance carriers offer, there are countless other ways to save money on you monthly insurance bill. And often, the best way to save isn't through a "discount" at all, but rather by having a profile that looks good to insurance companies.

Even though you may not have control of every factor insurance carriers take into account to calculate premiums (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the factors you can use in your favor in order to save money on car insurance:

Your Driving Record

You've almost certainly observed ads from auto insurance companies offering hefty savings for good drivers. And you're probably not surprised to hear that if you get speeding tickets or get into an accident, insurance prices will go up. But how much will they cost you?

You can tell from the table above that accidents will usually cost Grand Am drivers more than tickets, but both will cause a significant increase in rates. Pontiac Grand Am drivers with a single accident on their record pay about $90 each month (up $16 from the $74/mo. overall average), while drivers with one ticket will pay an average of $83 per month. Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another variable that plays a role in your auto insurance premiums is the total distance you drive. Those who are on the roads less are less likely to get speeding tickets, so they'll normally get less expensive rates. In the above table, you can see that Pontiac Grand Am owners who drive 10,000 miles or more pay $78 for car insurance, while those who drive fewer than 2,500 miles per year pay an average of $69 a month.

If you don't use your Pontiac Grand Am that often, 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.

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How Do Pontiac Grand Ams Compare to Other Vehicles?

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

Take a look at the table below to see how the Pontiac Grand Am stacks up:

Overall, the Pontiac Grand Am is a great value for any budget, with an MSRP that's a third less than the going rate for a new vehicle. While the average vehicle MSRP in the U.S. is $30,630, the Grand Am starts at just $20,090. A used Grand Am will be even lower, since there hasn't been a new model added to the market in the last few years.

Likewise, car insurance prices run below average when compared to the rest of the vehicle market. Liability insurance for a Pontiac Grand Am is about $10 per month less than average, while full coverage is over $20 less per month.

When it comes to usage, Pontiac Grand Am drivers are pretty close to the national average in annual miles driven, with 11,244 miles every year compared to 11,617 for all vehicles.

Pontiac Grand Am Car Insurance Costs by Model Year

We've walked through many of the variables that can have an impact on what you'll pay for insurance. If you're considering buying a new vehicle and the Grand Am is one you're thinking about, knowing what you'll likely pay for the specific car you're looking at can be helpful as you consider your choices.

Choose Your Model

2005 Pontiac Grand Am Car Insurance 2004 Pontiac Grand Am Car Insurance 2003 Pontiac Grand Am Car Insurance 2002 Pontiac Grand Am Car Insurance 2001 Pontiac Grand Am Car Insurance 2000 Pontiac Grand Am Car Insurance 1999 Pontiac Grand Am Car Insurance 1998 Pontiac Grand Am Car Insurance 1997 Pontiac Grand Am Car Insurance 1996 Pontiac Grand Am Car Insurance 1995 Pontiac Grand Am Car Insurance 1994 Pontiac Grand Am Car Insurance 1993 Pontiac Grand Am Car Insurance

2005 Pontiac Grand Am Car Insurance

You can expect full coverage for a 2005 Pontiac Grand Am to run around $146 monthly, while liability only coverage will average about $71 per month.

Gainsco has prices as little as just $18 a month for the 2005 Pontiac Grand Am.

Want to find the most affordable rates? Enter your ZIP code below to get lots of free customized quotes.

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2004 Pontiac Grand Am Car Insurance

The average cost to insure a 2004 Grand Am with liability only coverage is $80 monthly, while full coverage runs around $135 per month.

With rates sometimes as low as $17 monthly, Elephant offered the cheapest policy we found.

If you want to find the best premiums for auto insurance for a 2004 Pontiac Grand Am, enter your ZIP code below and compare a whole bunch of personalized quotes in just a few minutes.

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2003 Pontiac Grand Am Car Insurance

It costs about $79 a month for liability or $134 for a full coverage policy for the 2003 Pontiac Grand Am.

If you're looking for the most affordable 2003 Pontiac Grand Am insurance policy, Gainsco offered the lowest policy we found, with rates as low as just $20 per month.

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

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2002 Pontiac Grand Am Car Insurance

On average, drivers who own a 2002 Grand Am can expect to pay $72 to $125 a month for liability only and full coverage insurance, respectively.

Looking for the most affordable policy? ACG offered liability only coverage for as little as $20 monthly.

What will your car insurance price be? Enter your ZIP code below to get several personalized quotes for free.

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2001 Pontiac Grand Am Car Insurance

2001 Pontiac Grand Am drivers can expect to pay an average of $69 per month for liability or $120 for full coverage.

ACG offered the lowest policy we found, with rates sometimes as little as $14 monthly.

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

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2000 Pontiac Grand Am Car Insurance

You can expect full coverage for a 2000 Grand Am to run around $118 a month, while liability only coverage will average about $74 per month.

We found Elephant offered the cheapest policy, with rates as cheap as just $16 monthly.

These average rates are a great starting point if you're in the market for a 2000 Pontiac Grand Am, but there are a multitude of different things 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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1999 Pontiac Grand Am Car Insurance

The average cost to insure a 1999 Pontiac Grand Am with liability only coverage is $71 a month, while full coverage runs around $106 monthly.

With prices sometimes as low as $20 per month, Commonwealth Casualty offered the lowest policy we found for the 1999 Pontiac Grand Am.

Want to know just how much you'll pay? Get a variety of free customized quotes by just entering your ZIP code below.

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1998 Pontiac Grand Am Car Insurance

It costs about $65 a month for liability or $102 for a full coverage policy for the 1998 Grand Am.

Gainsco has premiums as low as just $17 monthly for the 1998 Pontiac Grand Am.

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

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1997 Pontiac Grand Am Car Insurance

On average, drivers who own a 1997 Pontiac Grand Am can expect to pay $67 to $91 per month for liability only and full coverage insurance, respectively.

ACG offered the cheapest policy we found, with rates sometimes as little as $12 a month.

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

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1996 Pontiac Grand Am Car Insurance

1996 Grand Am drivers can expect to pay an average of $62 monthly for liability or $114 for full coverage.

With prices as little as just $18 a month, Elephant offered the most affordable policy we found.

If you're looking for a more exact figure on what you should pay for auto insurance for a 1996 Pontiac Grand Am, you can get free quotes in minutes by just entering your ZIP code below.

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1995 Pontiac Grand Am Car Insurance

You can expect full coverage for a 1995 Pontiac Grand Am to run around $88 per month, while liability only coverage will average about $65 a month.

We found Infinity offered the cheapest policy, with rates as little as $20 per month.

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

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1994 Pontiac Grand Am Car Insurance

The average cost to insure a 1994 Grand Am with liability only coverage is $56 monthly, while full coverage runs around $126 per month.

With rates sometimes as cheap as $17 a month, Gainsco offered the lowest policy we found for the 1994 Pontiac Grand Am.

While these are good estimates of what the average driver might pay to insure a 1994 Pontiac Grand Am, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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1993 Pontiac Grand Am Car Insurance

It costs about $77 monthly for liability or $44 for a full coverage policy for the 1993 Pontiac Grand Am.

If you're looking for the lowest possible 1993 Pontiac Grand Am insurance policy, Mercury offered the most affordable policy we found, with rates as cheap as just $25 per month.

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

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Pontiac Grand Am Insurance FAQs

Is a Pontiac Grand Am expensive to insure?

The Pontiac Grand Am is relatively cheap to insure compared to the average vehicle. Liability insurance runs an average of $74 monthly, while full coverage will cost you around $127.

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

There's only one way to be 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 prices from a variety 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 Grand Am affect my insurance rates?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually not the case. There are a lot of factors car insurance carriers use when they decide your auto insurance rate, but your car's color is not used to make that determination.

Do I need to have insurance before I buy a Pontiac Grand Am?

Before you can legally drive your new (or new to you) Pontiac Grand Am off the dealership lot, you'll need to have an insurance policy in place. Some dealerships will offer you a car insurance policy as part of the buying process, but it's best to let your insurance carrier know before you buy.

What car insurance discounts can I get for my Pontiac Grand Am?

There are a bunch of different discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the vehicle you drive, but if your Grand Am has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance company and ask about their list of discounts.