What’s the best car insurance for a Pontiac?

Pontiacs are known for performance, reliability and value that lasts. The right insurance should protect those strengths, without costing more than it needs to.

If your Pontiac is financed or leased, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your vehicle is totaled.

Here are the most common coverage options Pontiac drivers choose and why.

See coverage options for your Pontiac.

Compare quotes

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

4 smart ways Pontiac drivers can lower insurance costs

Finding the right insurance means balancing protection and affordability. For Pontiac owners, that balance depends on your model, driving record and how your insurer values older vehicles.

Jerry’s experts help Pontiac drivers keep premiums low without cutting back on coverage that matters. Here are our top tips.

Tip 1: Compare quotes before renewing

Not every insurer prices Pontiac coverage fairly. Some overvalue older models, while others reward good driving history and reliability. Comparing quotes helps you find the best rate for the protection you need.

Here’s where Pontiac drivers who saved most often switched last year after comparing rates with Jerry:

Tip 2: Combine discounts for extra savings

Pontiac drivers often qualify for multiple discounts like multi-policy bundles, safe driver programs or low-mileage savings. But insurers don’t always apply them automatically. Jerry checks your available options to make sure you don’t miss out.

Tip 3: Adjust coverage as your Pontiac ages

Older vehicles often don’t need as much protection as new ones. Many Pontiac owners save by raising deductibles or removing extras once their car’s value decreases.

JERRY EXPERT INSIGHT

Telematics lets good drivers prove it. If you drive calmly, brake smoothly and avoid long commutes, your rate can drop significantly over time.

Mitchell M

General Lines Agent (Georgia Property & Casualty)

Jerry Proof: Real Pontiac drivers, real savings

See what Pontiac owners are saving. Here are real drivers, their vehicles and the deals they found after comparing quotes with Jerry.

Drive with confidence

Pontiac vehicles may be retired, but their reputation for reliability lives on, and your insurance should reflect that. Whether you drive a Grand Prix, G6 or Vibe, Jerry helps you find coverage that fits your needs and your budget.

We compare top insurers, uncover discounts and manage renewals. That way, your protection stays simple, steady and affordable.

It only takes 2 minutes to sign up at Jerry.

Compare quotes

Expert-driven. Built for you.

Why you can count on Jerry’s articles

Why you can count on Jerry’s articles

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

Stephanie Colestock

Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.

See more