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

Quick Facts

• A Pontiac Bonneville is cheaper to insure than the average car.
• Liability only insurance premiums for a Bonneville average about $74 monthly, while full coverage typically runs around $125 a month.
• At as low as just $21 per month for liability only coverage, Ohio Mutual is the cheapest auto insurance company for a Bonneville.

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Bonneville Overview

With 2005 models coming in with a base MSRP of $27,965, the Pontiac Bonneville is a great mid-level car for drivers of all types. With three different trim levels currently offered, every driver can find an option to match their style.

We sifted through thousands of insurance quotes on Compare.com, and we've found that Pontiac Bonneville car insurance rates average out to about $93 a month. But how does that fare against its competitors?

How Much is Car Insurance for a Pontiac Bonneville?

Looking at the table above, you'll find that Pontiac Bonneville insurance premiums are lower than average compared to other vehicles. On average, Bonneville owners can expect to pay around $74 monthly for liability insurance, and about $125 per month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").

When you compare it to other Pontiac models, the Bonneville is more affordable, with prices more than 10% lower than the rest of the automaker's vehicle offerings. Similarly, coverage for the Bonneville is below average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive rates than other cars.

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

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Who has the Cheapest Car Insurance for a Pontiac Bonneville?

If you're browsing for a new auto insurance policy for your Pontiac Bonneville, you may want to know which carrier offers the lowest rates. Even though there will never be one company that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $21 a month from Ohio Mutual. The runner up for lowest rates is Horace Mann, with insurance policies starting as little as just $25 a month.

Verti, MetroMile, and AnchorGeneral 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, auto insurance carriers look at multiple factors when calculating premiums, so your results might be different. By checking quotes from a lot of car insurance companies at once, you can guarantee you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Pontiac Bonneville?

As we mentioned above, there are lots of things that insurance carriers examine to decide how much they charge for car insurance -- and each carrier weighs different attributes more heavily than others, so there's not one company that's the lowest for every Bonneville driver.

Keep reading to learn which variables auto insurance companies look at and how they affect your final rate:

Vehicle Age

The Pontiac Bonneville has been around for a while -- that means vehicle age can play a big 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 Bonnevilles continue to depreciate, 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 Bonneville. However, as you can see in the table above, the cheapest Pontiac Bonnevilles to insure are those that are 8 to 10 years old, while the most expensive models are Bonnevilles that are 11 to 14 years old, on average.

Your Age

How old you are makes a significant difference in how much auto insurance carriers will charge you for a policy. Based on the information in the table above, drivers who are under 18 pay more for car insurance than those who have more experience. In this case, drivers under 18 pay $51 more than those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group being 55-64 for Bonneville drivers.

Your Gender

Men tend to pay more for insurance than women. This is because men are more likely to get into accidents and get speeding tickets, which raises the chances of an insurance claim. Surprisingly, when it comes to Bonneville drivers specifically, men pay around 3% less than women each month for car insurance.

Where You Live

You might think it's common sense that factors such as what vehicle you drive and how old you are play a role in your auto insurance premiums, but did you know that where you live can have just as much as an impact? Car insurance is regulated at the state level, so rates change quite a bit from state to state.

For example, the average Pontiac Bonneville owner in New York pays about $81 monthly for liability coverage, while on average, the same driver from California will pay $29 less than that price. The table referenced above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change from state to state.

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Pontiac Bonneville Car Insurance Discounts

Whatever how old you are, where you live, or which vehicle you drive, it's always in your best interest to take advantage of as many insurance discounts as possible.

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

• Multi-car discounts for having more than one vehicle on your auto policy
• Pay-in-full discounts for drivers who choose to pay their entire policy price up front, rather than by monthly payments
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

But these aren't the only discounts car insurance carriers offer to their customers. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

While you may not have control of every factor insurance companies reference to calculate rates (like some of the ones mentioned above), you can influence some of them. Below are just a few of the things you can use to your advantage in order to save money on car insurance:

Your Driving Record

It's no secret that auto insurance carriers offer the most affordable prices to drivers with clean records. It checks out that if you get tickets or get into an accident, car insurance rates will go up. But how much will they cost you?

Based on the table above, accidents will usually cost Bonneville drivers more than tickets, but both will result in higher than normal rates. Pontiac Bonneville drivers with a single accident on their record pay about $81 a month (up $7 from the $74/mo. overall average), while drivers with one ticket will pay an average of $80 a month. Drivers who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable that impacts your insurance prices is the total amount of miles you drive annually. Those who drive less are more likely to go accident-free, so they'll normally end up spending less on auto insurance. In the table above, you can see that Pontiac Bonneville owners who drive 10,000 miles or more pay $78 for car insurance, while those who drive fewer than 2,500 miles every year pay about $66 monthly.

But if you don't use your Pontiac Bonneville 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 base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Pontiac Bonnevilles Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Pontiac Bonneville is on your shortlist, you might want to know how it compares to other cars. Auto insurance is just one cost that comes with buying a new car, but it's definitely one that's worth taking into consideration.

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

Overall, the Pontiac Bonneville has an MSRP that's on par with the going rate for a new vehicle. The Bonneville has a base price of $27,965, close to the national average vehicle MSRP of $30,630. And since it's been awhile since a new Bonneville model has been on the market, used prices will be even more affordable.

But while the purchase price runs about average, insurance premiums run slightly below average when compared to the rest of the vehicle market. Liability insurance for a Pontiac Bonneville is around $1 per month less than average, while full coverage is over $40 less per month.

When it comes to usage, Pontiac Bonneville drivers are pretty close to the national average in annual miles driven, with 12,079 miles per year compared to 11,617 for all vehicles.

Pontiac Bonneville Car Insurance Costs by Model Year

We've walked through many of the variables that can affect how much you might pay for car insurance. If you're considering purchasing a new Bonneville, knowing what you can expect to pay for the specific vehicle you're looking at can be helpful as you consider your choices.

Choose Your Model

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

2005 Pontiac Bonneville Car Insurance

It costs about $80 monthly for liability or $124 for a full coverage policy for the 2005 Pontiac Bonneville.

With rates sometimes as little as $21/mo a month, Good2Go offered the cheapest policy we found.

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

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2004 Pontiac Bonneville Car Insurance

The average cost to insure a 2004 Bonneville with liability only coverage is $84 per month, while full coverage runs around $126 monthly.

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

Want something more accurate than national averages? Enter your ZIP code below to get multiple personalized quotes for free.

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2003 Pontiac Bonneville Car Insurance

On average, drivers who own a 2003 Pontiac Bonneville can expect to pay $86 to $131 a month for liability only and full coverage auto insurance, respectively.

We found USAA offered the most affordable policy, with rates as little as $20 monthly.

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

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2002 Pontiac Bonneville Car Insurance

You can expect full coverage for a 2002 Bonneville to run about $142 a month, while liability only coverage will average around $71 per month.

If you're looking for the lowest possible 2002 Pontiac Bonneville insurance policy, Mercury offered the lowest policy we found, with rates as low as $18 monthly.

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

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2001 Pontiac Bonneville Car Insurance

2001 Pontiac Bonneville drivers can expect to pay an average of $76 per month for liability or $151 for full coverage.

Looking for the most affordable policy? Safeco offered liability only coverage for sometimes as low as $19 a month.

If you're looking for a more exact figure on what you should pay for insurance for a 2001 Pontiac Bonneville, you can get free quotes in minutes by just entering your ZIP code below.

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2000 Pontiac Bonneville Car Insurance

The average cost to insure a 2000 Bonneville with liability only coverage is $79 monthly, while full coverage runs about $105 a month.

Liberty Mutual has prices as cheap as just $17 per month for the 2000 Pontiac Bonneville.

Want something more accurate than nationwide averages? Get a variety of customized quotes for free by just entering your ZIP code below.

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1999 Pontiac Bonneville Car Insurance

It costs around $68 monthly for liability or $115 for a full coverage policy for the 1999 Pontiac Bonneville.

With premiums as cheap as $20 per month, Freedom offered the cheapest policy we found for the 1999 Pontiac Bonneville.

These average rates are a great starting point if you're in the market for a 1999 Pontiac Bonneville, but there are several 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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1998 Pontiac Bonneville Car Insurance

On average, drivers who own a 1998 Bonneville can expect to pay $65 to $124 a month for liability only and full coverage car insurance, respectively.

Elephant has prices as little as $21 per month for the 1998 Pontiac Bonneville.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get several free customized quotes.

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1997 Pontiac Bonneville Car Insurance

1997 Pontiac Bonneville drivers can expect to pay an average of $76 monthly for liability or $143 for full coverage.

Elephant offered the most affordable policy we found, with rates sometimes as low as $18 a month.

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

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1996 Pontiac Bonneville Car Insurance

You can expect full coverage for a 1996 Bonneville to run about $98 per month, while liability only coverage will average around $62 a month.

With rates sometimes as cheap as $23 monthly, Workmens offered the lowest policy we found for the 1996 Pontiac Bonneville.

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

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1995 Pontiac Bonneville Car Insurance

It costs about $70 per month for liability or $83 for a full coverage policy for the 1995 Pontiac Bonneville.

We found Elephant offered the cheapest policy, with rates as cheap as $17 a month.

While these are good estimates of what the average driver might pay to insure a 1995 Pontiac Bonneville, 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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1994 Pontiac Bonneville Car Insurance

You can expect full coverage for a 1994 Bonneville to run around $80 monthly, while liability only coverage will average about $56 a month.

If you're looking for the most affordable 1994 Pontiac Bonneville insurance policy, AIG offered the most affordable policy we found, with rates as low as $22 monthly.

Interested in just how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a bunch of personalized quotes from the nation's top insurance companies.

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1993 Pontiac Bonneville Car Insurance

On average, drivers who own a 1993 Pontiac Bonneville can expect to pay $63 to $99 per month for liability only and full coverage insurance, respectively.

Looking for the cheapest policy? MetLife offered liability only coverage for as little as just $21 monthly.

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

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Pontiac Bonneville Insurance FAQs

Is a Pontiac Bonneville expensive to insure?

The Pontiac Bonneville is relatively cheap to insure compared to the average car. Liability insurance runs an average of $74 a month, while full coverage will cost you around $125.

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

There's only one way to guarantee you're getting the lowest rates -- regularly shopping around and comparing quotes from many carriers. 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 prices from a variety of companies 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 Bonneville affect my insurance premiums?

Have you heard the old adage that it costs more to insure a red car before? Well, that's actually not true. Although there are lots of variables auto insurance carriers consider when they calculate how much you'll pay, the color of your Bonneville is not on that list.

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

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a an car is to talk with your insurance company before you buy.

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

There are a variety of discounts out there when it comes to car insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your Bonneville 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 their list of discounts, since they shift quite a bit from company to company.