About $2,028 a year for full coverage on a national average — 41% more than the $1,438 average car. Insurers rate the Pontiac G5 at an index of 141 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2007-2009).
The premium isn't spread evenly across the Pontiac G5: Medical payments — medical bills for you and passengers — carries its highest loss index at 188, while Comprehensive sits at 106. Those 82 points are the real reason behind the price, and they are the part a quote form never shows you. Calculated from 3 insurance-loss records.
Why a G5 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $2,028: Liability (BI + PD) $973 · Collision $568 · Comprehensive $243 · Other (UM / PIP) $243.
How it changed by generation
Insurance-loss index of the G5 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The G5 has become more expensive to insure over time (+3 points).
What a G5 costs by state
Where you park matters as much as what you drive. The G5's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | G5 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Pontiac G5's loss index of 141 — your own quote also depends on age, record, deductible and ZIP.
Pontiac G5 insurance — frequently asked
How much is insurance for a Pontiac G5?
About $2,028 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 141 applied to the US average premium.
Why is the G5 expensive or cheap to insure?
For the Pontiac G5 the costliest area is Medical payments at an index of 188, covering medical bills for you and passengers — against 106 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Pontiac G5 lands at 141, not at what it costs new.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same G5 can differ by hundreds between two drivers.
How we work this out
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