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

Quick Facts

• It costs less to insure a Pontiac Vibe than the average car.
• Full coverage car insurance for a Vibe tends to be about $124 a month, on average, while liability only insurance generally averages around $65.
• The lowest auto insurance carrier for a Vibe is ACG, who offers liability only coverage for sometimes as cheap as $25 per month, on average.

Vibe Overview

The Pontiac Vibe is a great budget-friendly option for any driver, with 2010 models starting at $16,100. It's not just on the affordable end of the spectrum when it comes to overall price point, it's also a smart budget option when thinking about your future insurance premiums.

After analyzing thousands of auto insurance quotes through Compare.com, we've determined that average Pontiac Vibe insurance rates run about $90 a month. But how does that stack up to other similar cars out there on the market?

How Much is Car Insurance for a Pontiac Vibe?

If you look at the table above, you'll find that when you compare the Pontiac Vibe to other vehicles, insurance prices are cheaper than average. On average, Vibe drivers will pay around $124 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $65 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

When compared to other models, the Vibe is more affordable, with rates about 17% lower than other vehicles in Pontiac's lineup. Likewise, coverage for the Vibe is cheaper than average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive prices than other cars.

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

Who has the Cheapest Car Insurance for a Pontiac Vibe?

Looking for an auto insurance policy for your Pontiac Vibe? You might be most interested in which company offers the most affordable premiums. While costs will normally be pretty different from person to person, the cheapest average rates for liability only insurance are sometimes as low as $17 per month from Encompass. With car insurance as little as just $25 a month, ACG is the next most affordable car insurance carrier.

Rounding out the list are Horace Mann, Aspire, and USAA. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Auto insurance companies use a whole range of variables and complex formulas to calculate premiums. By analyzing quotes from multiple auto insurance carriers at once, you can guarantee you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Pontiac Vibe?

There are many things that car insurance companies use to calculate how much to charge -- and every company weighs different variables more heavily than others, so there's not a singular carrier that's the lowest for each driver.

The following sections show a range of factors insurance carriers use to calculate rates:

Vehicle Age

Pontiac has been making the Vibe for quite some time, so the car's age may make a difference in how much you'll pay for auto insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Vibes continue to depreciate, 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 Vibe. However, as you can see in the table above, the most expensive Pontiac Vibes to insure are those that are 11 to 14 and 15 or more years old, while the cheapest models are Vibes that are 6 to 7 years old, on average.

Your Age

Age is another variable that makes a significant difference in how much you pay for insurance. Based on the information in the table above, drivers with more experience pay less than drivers who are under 18. Pontiac Vibe drivers under 18 actually pay over three times as much as those 25 or older.

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

Your Gender

Because women are less likely to get tickets and get into collisions, they have a lower chance of filing a claim with insurance. So, women tend to pay less for car insurance than men. The Pontiac Vibe follows this convention, and women pay around $64 monthly for insurance and men pay about $67.

Where You Live

You're probably already aware that things like how old you are and what vehicle you drive play a role in your auto insurance premiums, but you may not realize that where you live is just as important. Since car insurance is regulated on a state-by-state basis, rates can shift quite a bit from state to state.

For example, the average Pontiac Vibe owner from New York pays around $98 a month for liability coverage. Meanwhile, on average, the same driver from California will pay less than 50% of that price. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

Pontiac Vibe Car Insurance Discounts

Regardless of your home state, your car, or your age, it's always a good idea to take advantage of as many auto insurance discounts as possible.

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

• Pay-in-full discounts for choosing to pay your entire policy price at once, rather than in monthly installments
• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Multi-vehicle discounts for adding more than one car to your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution

These discounts are great, but sometimes, the best way to get great rates is to work on your overall insurance profile.

Although you can't control every single aspect of your insurance profile (like some of the attributes we mentioned above), you can control some of it. Below are just a few of the ones you can use in your favor in order to save money on car insurance:

Your Driving Record

You've probably heard ads from auto insurance companies posting big discounts for safe drivers. It should be no surprise that if you get a speeding ticket or get into a collision, insurance rates will go up. But exactly how much can these infractions cost you?

Looking at the table above, you'll notice that accidents will usually cost Vibe drivers more than tickets, but both will result in higher than normal rates. Pontiac Vibe drivers with one accident on their record pay about $80 each month (up $15 from the $65/mo. overall average), while drivers with a single ticket will pay an average of $70 monthly. The rates only get higher the more tickets you get or collisions you have.

How Much You Drive

Another factor you have control over is how much you drive. Those who drive less often have fewer opportunities to get into an accident, so they'll typically be offered more affordable prices. In the above table, you can see that Pontiac Vibe owners who drive 10,000 miles or more pay $67 for auto insurance, while those who drive fewer than 2,500 miles a year pay an average of $59 per month.

If you don't drive much because have a second vehicle or you work from home, you might consider choosing a usage-based or pay-per-mile insurance policy. With these kinds of 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 Vibes Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Pontiac Vibe is on your shortlist, it can pay off to do your due diligence. Insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth considering.

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

With an MSRP that's a third less than the going rate for a new vehicle, the Pontiac Vibe is a fantastic value when it comes to price. While the average vehicle price in the U.S. is $29,720, the Vibe starts at just $16,100. And since there hasn't been a new Vibe model on the market recently, used prices will be even less expensive.

Similarly, car insurance premiums are cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Pontiac Vibe is about $45 a month cheaper than average, while liability only coverage is more than $20 less a month.

When it comes to usage, Pontiac Vibe owners drive about the same amount annually as the national average, with 11,617 miles every year for all vehicles compared to the Vibe's 10,728 per year.

Pontiac Vibe Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on what you'll pay for auto insurance. But if you're considering buying a new vehicle and the Vibe is one you're thinking about, knowing what you'll likely pay for the specific car you're looking at can be extremely helpful as you weigh your options.

2010 Pontiac Vibe Car Insurance

You can expect full coverage for a 2010 Vibe to run around $124 per month, while liability only coverage will average about $58 monthly.

We found MetroMile offered the most affordable policy, with rates sometimes as little as $18 per month.

While these are good estimates of what the average driver might pay to insure a 2010 Pontiac Vibe, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2009 Pontiac Vibe Car Insurance

It costs around $63 monthly for liability or $135 for a full coverage policy for the 2009 Pontiac Vibe.

With premiums as low as just $18 a month, StateAuto offered the lowest policy we found.

Interested in what your insurance rate will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing an array of personalized quotes from the nation's top insurance carriers.

2008 Pontiac Vibe Car Insurance

2008 Vibe drivers can expect to pay an average of $74 monthly for liability or $121 for full coverage.

Looking for the most affordable policy? Elephant offered liability only coverage for as little as $22 per month.

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

2007 Pontiac Vibe Car Insurance

On average, drivers who own a 2007 Pontiac Vibe can expect to pay $58 to $115 a month for liability only and full coverage car insurance, respectively.

If you're looking for the lowest possible 2007 Pontiac Vibe insurance policy, Elephant offered the cheapest policy we found, with rates as low as $16 per month.

Want to find the lowest rates? Get a variety of personalized quotes for free by just entering your ZIP code below.

2006 Pontiac Vibe Car Insurance

The average cost to insure a 2006 Vibe with liability only coverage is $68 monthly, while full coverage runs about $127 a month.

Liberty Mutual offered the cheapest policy we found, with rates as cheap as $17 monthly.

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

2005 Pontiac Vibe Car Insurance

You can expect full coverage for a 2005 Pontiac Vibe to run around $119 per month, while liability only coverage will average about $65 a month.

MetLife has rates as cheap as just $16 per month for the 2005 Pontiac Vibe.

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

2004 Pontiac Vibe Car Insurance

2004 Vibe drivers can expect to pay an average of $65 a month for liability or $125 for full coverage.

With premiums sometimes as low as $19 monthly, Gainsco offered the most affordable policy we found for the 2004 Pontiac Vibe.

If you want to find the best prices for insurance for a 2004 Pontiac Vibe, enter your ZIP code below and compare several personalized quotes in just a few minutes.

2003 Pontiac Vibe Car Insurance

The average cost to insure a 2003 Pontiac Vibe with liability only coverage is $66 a month, while full coverage runs around $114 monthly.

If you're looking for the cheapest possible 2003 Pontiac Vibe insurance policy, Elephant offered the cheapest policy we found, with rates as low as $17 per month.

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

Pontiac Vibe Insurance FAQs

Is a Pontiac Vibe expensive to insure?

Liability insurance runs an average of $65 a month, while full coverage will cost you around $124. The Pontiac Vibe is relatively cheap to insure compared to the average car.

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

There's only one way to guarantee you're getting the most affordable rates -- regularly shopping around and comparing quotes from a lot of companies. 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 premiums from numerous carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

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

Have you heard the old adage that red cars cost more to insure before? Well, that's actually not the case. There are a multitude of variables auto insurance companies use when they offer you a premium, but the color of your car is not factored into that equation.

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

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid insurance for it. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your car insurance company know beforehand.

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

There are tons of discounts out there for auto insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are based less on your Pontiac Vibe and more on you, but if your Vibe has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to find out is to contact your insurance carrier and ask about their discounts, since they vary quite a bit from carrier to carrier.