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

Quick Facts

• A Pontiac Grand Prix is more affordable to insure compared to the average car.
• Full coverage auto insurance for a Grand Prix averages about $149 monthly, on average, while liability only insurance generally tends to be around $81 a month.
• Hugo provides the lowest average premiums for a Grand Prix with liability only coverage offered for sometimes as low as $30 monthly.

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Grand Prix Overview

With a base price of just $22,210 for 2008 models, the Pontiac Grand Prix is a great car for all budgets. With two different trim levels currently offered, there's an option for every driver.

Based on reviewing thousands of insurance quotes from Compare.com, we've found that Pontiac Grand Prix car insurance prices are about $110 a month, on average. But how does that fare against its competitors?

How Much is Car Insurance for a Pontiac Grand Prix?

In the table above, you'll find that insurance rates for a Pontiac Grand Prix are more affordable than average. On average, Grand Prix drivers can expect to pay around $81 per month for liability insurance, and about $149 a month 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 the difference between these types of insurance).

When compared to other Pontiac models, the Grand Prix's insurance price is in line with the rest of the automaker's vehicle lineup. However, coverage for the Grand Prix is below average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive premiums than other cars.

Impressively, they're overall more affordable to insure than the average vehicle, no matter what body style, make, or model they are.

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

If you're browsing for a car insurance policy for a Pontiac Grand Prix, you may be most interested in which company offers the most affordable premiums. Even though there will never be one carrier that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $22 a month from MainStreet. The runner up for cheapest rates is Hugo, with auto insurance policies starting as little as just $30 per month.

Rounding out the list are ACG, Aspire, and Ohio Mutual. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, car insurance companies look at a bunch of things when calculating rates, so your results might be different. By getting quotes from a bunch of auto insurance carriers at once, you can guarantee you're finding the most affordable rate.

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

As we mentioned above, there are multiple variables that insurance companies use to determine how much they charge for car insurance -- and each company weighs different attributes more heavily than others, so there's not a single carrier that's the lowest for everyone.

The sections below show lots of factors insurance carriers use to calculate rates:

Vehicle Age

The Pontiac Grand Prix has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for auto insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Grand Prixs continue to depreciate, insurance costs will gradually go lower.

A new Pontiac Grand Prix model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the cheapest Pontiac Grand Prixs to insure are those that are 6 to 7 years old, while the most expensive models are Grand Prixs that are 11 to 14 years old, on average.

Your Age

Age plays a role in how much car insurance companies will charge you. Based on the information above, young Grand Prix drivers pay more expensive rates compared to older Grand Prix drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.

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

Your Gender

You may not know, but men normally pay more for auto insurance than women do. This is because women are less likely to get into collisions and get speeding tickets, which lowers the chances of an insurance claim. The Pontiac Grand Prix follows this convention, and men pay around 12% more than women monthly for insurance.

Where You Live

You might think it's common sense that variables like what vehicle you drive and how old you are play a role in your car insurance prices, but you may not realize that where you live has just as much of an impact. Since insurance is regulated on the state level rather than nationally, premiums differ quite a bit depending on what state you reside in.

For example, the average Pontiac Grand Prix driver in New York pays about $186 a month for liability coverage. Meanwhile, on average, the same owner from California will pay less than half of 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 rates can change between states.

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Pontiac Grand Prix Car Insurance Discounts

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

While no two car insurance carriers offer the same exact 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 drivers who take a defensive driving class through a certified school or institution
• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than in monthly installments

There are all sorts of other discounts out there for saving money on your auto insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Although you can't control every factor car insurance companies consider to calculate premiums (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 when it comes to saving cash:

Your Driving Record

You've almost certainly observed ads from insurance carriers offering big discounts for responsible drivers. And you're probably not surprised to hear that your car insurance rates will go higher if you get into a collision or get a speeding ticket. But how much will they cost you?

As you can tell from the table above, accidents will usually cost Grand Prix drivers more than tickets, but both will result in higher than normal rates. Pontiac Grand Prix drivers with a single ticket will pay about $85 monthly, while drivers with one accident on their record pay an average of $104 each month (up $23 from the $81/mo. overall average). Drivers who have multiple kinds of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive plays a big role when it comes to your auto insurance premiums. Drivers who are on the roads less often are less likely to get tickets, so they'll typically get cheaper prices. In the above table, you can see that Pontiac Grand Prix owners who drive fewer than 2,500 miles every year pay an average of $81 per month for insurance, while those who put 10,000 miles or more on their cars pay $82.

But if you drive less often than the average driver or work from home, it may be worth getting pay-per-mile or usage-based car insurance. With these plans, 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 Prixs Compare to Other Vehicles?

If you're thinking about making a Pontiac Grand Prix your next vehicle, you're probably wondering how it compares to other cars. Auto insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth taking into consideration.

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

As you can see, the Pontiac Grand Prix is right on par with the average vehicle price here in the U.S. The national average vehicle MSRP is $31,550, and the Grand Prix comes in close to that at $22,210. And since it's been a few years since a new Grand Prix model has been on the market, used prices are going to be even more affordable.

Although the Grand Prix has a pretty average price, insurance premiums run slightly below average when compared to the rest of the vehicle market. Liability insurance for a Pontiac Grand Prix is, while full coverage is $10 less monthly.

When it comes to usage, Pontiac Grand Prix owners drive about the same amount annually as the national average, with 11,617 miles per year for all vehicles compared to the Grand Prix's 12,038 a year.

Pontiac Grand Prix Car Insurance Costs by Model Year

Thus far, you've seen how different factors affect a driver's auto insurance rates. If you're in the market for a new car, truck, or SUV and the Grand Prix is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at is extremely valuable as you weigh your choices.

Choose Your Model

2008 Pontiac Grand Prix Car Insurance 2007 Pontiac Grand Prix Car Insurance 2006 Pontiac Grand Prix Car Insurance 2005 Pontiac Grand Prix Car Insurance 2004 Pontiac Grand Prix Car Insurance 2003 Pontiac Grand Prix Car Insurance 2002 Pontiac Grand Prix Car Insurance 2001 Pontiac Grand Prix Car Insurance 2000 Pontiac Grand Prix Car Insurance 1999 Pontiac Grand Prix Car Insurance 1998 Pontiac Grand Prix Car Insurance 1997 Pontiac Grand Prix Car Insurance 1996 Pontiac Grand Prix Car Insurance

2008 Pontiac Grand Prix Car Insurance

The average cost to insure a 2008 Pontiac Grand Prix with liability only coverage is $81 a month, while full coverage runs around $159 per month.

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

Want to find the lowest rates? Just enter your ZIP code below to get several personalized quotes for free.

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2007 Pontiac Grand Prix Car Insurance

You can expect full coverage for a 2007 Grand Prix to run about $141 monthly, while liability only coverage will average around $88 per month.

We found Mercury offered the most affordable policy, with rates as little 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.

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2006 Pontiac Grand Prix Car Insurance

It costs about $88 a month for liability or $163 for a full coverage policy for the 2006 Pontiac Grand Prix.

If you're looking for the lowest possible 2006 Pontiac Grand Prix insurance policy, StateAuto offered the cheapest policy we found, with rates sometimes as cheap as $19 per month.

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

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2005 Pontiac Grand Prix Car Insurance

On average, drivers who own a 2005 Grand Prix can expect to pay $80 to $153 a month for liability only and full coverage auto insurance, respectively.

Looking for the most affordable policy? Clearcover offered liability only coverage for as low as $17 monthly.

Want something more accurate than nationwide averages? Enter your ZIP code below to get lots of free customized quotes.

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2004 Pontiac Grand Prix Car Insurance

2004 Pontiac Grand Prix drivers can expect to pay an average of $84 per month for liability or $150 for full coverage.

MetLife has premiums sometimes as little as $18 monthly for the 2004 Pontiac Grand Prix.

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

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2003 Pontiac Grand Prix Car Insurance

You can expect full coverage for a 2003 Grand Prix to run around $132 a month, while liability only coverage will average about $76 per month.

With rates as low as just $17 a month, Sun Coast offered the lowest policy we found.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2002 Pontiac Grand Prix Car Insurance

It costs around $81 per month for liability or $129 for a full coverage policy for the 2002 Pontiac Grand Prix.

With prices as cheap as $16 monthly, ACG offered the cheapest policy we found for the 2002 Pontiac Grand Prix.

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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2001 Pontiac Grand Prix Car Insurance

The average cost to insure a 2001 Grand Prix with liability only coverage is $74 per month, while full coverage runs about $148 a month.

With rates sometimes as low as $18 monthly, Liberty Mutual offered the lowest policy we found.

While these are good estimates of what the average driver might pay to insure a 2001 Pontiac Grand Prix, 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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2000 Pontiac Grand Prix Car Insurance

On average, drivers who own a 2000 Pontiac Grand Prix can expect to pay $82 to $141 per month for liability only and full coverage auto insurance, respectively.

Mapfre has rates as cheap as $15 monthly for the 2000 Pontiac Grand Prix.

Want to find the best rates? Get multiple free personalized quotes by just entering your ZIP code below.

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1999 Pontiac Grand Prix Car Insurance

1999 Grand Prix drivers can expect to pay an average of $77 a month for liability or $111 for full coverage.

Good2Go offered the cheapest policy we found, with rates as little as just $21/mo monthly.

These average premiums are a great starting point if you're in the market for a 1999 Pontiac Grand Prix, but there are a range 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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1998 Pontiac Grand Prix Car Insurance

On average, drivers who own a 1998 Pontiac Grand Prix can expect to pay $76 to $153 a month for liability only and full coverage car insurance, respectively.

We found Elephant offered the most affordable policy, with rates sometimes as little as $16 per month.

What will your insurance premium be? Just enter your ZIP code below to get a variety of free personalized quotes.

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1997 Pontiac Grand Prix Car Insurance

You can expect full coverage for a 1997 Grand Prix to run around $96 a month, while liability only coverage will average about $60 per month.

If you're looking for the cheapest possible 1997 Pontiac Grand Prix insurance policy, Liberty Mutual offered the cheapest policy we found, with rates as little as $21 monthly.

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

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1996 Pontiac Grand Prix Car Insurance

The average cost to insure a 1996 Pontiac Grand Prix with liability only coverage is $76 a month, while full coverage runs around $134 monthly.

With prices as low as just $19 per month, Mapfre offered the lowest policy we found for the 1996 Pontiac Grand Prix.

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

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Pontiac Grand Prix Insurance FAQs

Is a Pontiac Grand Prix expensive to insure?

The Pontiac Grand Prix is relatively cheap to insure compared to the average vehicle. Liability insurance runs an average of $81 monthly, while full coverage will cost you around $149.

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

There's only one way to be confident you're getting the most affordable rates -- checking prices regularly and comparing quotes from a range 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 rates from a whole bunch of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Pontiac Grand Prix affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not true. While there are many variables auto insurance companies look at when they offer you a premium, your Grand Prix's color isn't one of them.

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

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships might offer you an insurance policy as part of the car-buying process, but the easiest thing to do is to let your insurance company know beforehand.

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

There are all sorts of discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your Grand Prix has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The best way to find out is to reach out to your insurance carrier and ask about which discounts they offer, since they change quite a bit from company to company.