Best Pontiac Solstice Car Insurance in 2024 (Compare the Top 10 Companies)
The top providers for the best Pontiac Solstice car insurance are State Farm, AAA, and Erie, with rates as low as $46 per month. These companies offer excellent coverage options, affordability, and strong customer service, making them the best choices for insuring your Pontiac Solstice.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,759 reviewsCompany Facts
Full Coverage for Pontiac Solstice
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
2,934 reviewsCompany Facts
Full Coverage for Pontiac Solstice
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviews
1,814 reviewsCompany Facts
Full Coverage for Pontiac Solstice
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
State Farm, AAA, and Erie are the best Pontiac Solstice car insurance providers, offering rates as low as $46 per month. State Farm is the top pick overall due to its excellent coverage options, competitive pricing, and superior customer service.
By comparing these top providers, you can secure the most cost-effective and reliable insurance for your Pontiac Solstice. See more details in our guide titled, “Cheap Car Insurance.”
Our Top 10 Company Picks: Best Pontiac Solstice Car Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 13% B Many Discounts State Farm
#2 10% A Online App AAA
#3 15% A+ 24/7 Support Erie
#4 17% A+ Innovative Programs Progressive
#5 20% A++ Custom Plan Geico
#6 12% A+ Add-on Coverages Allstate
#7 14% A+ Usage Discount Nationwide
#8 18% A Customizable Polices Liberty Mutual
#9 11% A Local Agents Farmers
#10 16% A++ Military Savings USAA
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool above to instantly compare quotes near you.
- Pontiac Solstice insurance costs are higher due to its sports car status
- How your driving history affects insurance rates
- Average safety ratings impact insurance costs
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#1 – State Farm: Top Pick Overall
Pros
- Competitive Rates: With an average cost of $169 per month, State Farm offers some of the lowest insurance premiums for Pontiac Solstice owners, making it a budget-friendly option. More information about their rates in our State Farm car insurance review.
- Generous Discount Opportunities: State Farm provides a variety of discounts for Pontiac Solstice owners, including savings for safe driving, multi-policy bundling, and good student discounts.
- Flexible Coverage Options: State Farm provides a range of customizable coverage options for the Pontiac Solstice, allowing policyholders to tailor their insurance to specific needs and preferences.
Cons
- Limited Discounts: While State Farm offers competitive rates, it may not provide as many discounts for Pontiac Solstice owners compared to other insurers, potentially missing out on savings opportunities.
- Mixed Reviews on Claims: Some Pontiac Solstice owners have reported mixed experiences with claims processing, which could be a concern if you value a hassle-free claims process.
#2 – AAA: Best for Online App
Pros
- Comprehensive Coverage: AAA provides extensive coverage options for Pontiac Solstice owners, including roadside assistance and enhanced protection against damage and theft.
- Broad Network of Agents: State Farm has a wide network of local agents, providing personalized support and convenient in-person assistance for Pontiac Solstice owners across various locations.
- Additional Member Benefits: As mentioned in AAA car insurance review, AAA members enjoy extra perks such as travel discounts and concierge services, adding value to their Pontiac Solstice insurance policy.
Cons
- Higher Premiums: At an average cost of $214 per month, AAA’s insurance for the Pontiac Solstice is on the higher end, which might be less appealing to budget-conscious drivers.
- Limited Availability: AAA’s services are not available in all states, potentially limiting access for Pontiac Solstice owners depending on their location.
#3 – Erie: Best for 24/7 Support
Pros
- Robust Coverage Options: Erie offers robust coverage plans for the Pontiac Solstice, including options for enhanced liability and comprehensive protection.
- Competitive Discounts: As mentioned in Erie car insurance review, Erie provides various discounts, including safe driver and multi-policy discounts, which can help reduce insurance costs for Pontiac Solstice owners.
- Strong Financial Stability: Erie’s strong financial ratings ensure that they can reliably cover claims for Pontiac Solstice drivers, giving policyholders peace of mind.
Cons
- Higher Average Cost: With an average premium of $267, Erie is among the more expensive options for Pontiac Solstice insurance, which may be a drawback for those seeking lower rates.
- Limited Nationwide Presence: Erie’s availability is restricted to certain regions, which might be inconvenient for Pontiac Solstice owners in areas where Erie does not operate.
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#4 – Progressive: Best for Innovative Programs
Pros
- Affordable Premiums: Progressive offers one of the lowest average costs for Pontiac Solstice insurance at $156 per month, making it an attractive option for budget-conscious drivers.
- Extensive Discount Options: Progressive provides a variety of discounts, including multi-car and good driver discounts, which can help lower insurance costs for Pontiac Solstice owners. Learn more details in our Progressive car insurance review.
- Innovative Tools: Progressive’s usage-based insurance tools, such as Snapshot, offer personalized rate adjustments based on driving habits, potentially reducing costs for safe Pontiac Solstice drivers.
Cons
- Customer Service Concerns: Some customers have reported issues with Progressive’s customer service, which could affect the overall experience for Pontiac Solstice owners.
- Variable Coverage Quality: The quality of coverage can vary depending on the policy, which might lead to inconsistencies in protection for Pontiac Solstice drivers.
#5 – Geico: Best for Custom Plan
Pros
- Affordable Rates: As outlined in Geico car insurance review, Geico offers competitive rates at an average of $238 per month, which, while slightly higher than some, is still reasonable for Pontiac Solstice insurance.
- Extensive Discount Opportunities: Geico provides numerous discounts, including for good drivers and those who bundle policies, helping to lower costs for Pontiac Solstice owners.
- Convenient Online Services: Geico’s user-friendly online tools and mobile app make it easy for Pontiac Solstice drivers to manage their policies and access support.
Cons
- Higher Average Cost: With an average monthly premium of $238, Geico may not be the most cost-effective option for all Pontiac Solstice owners.
- Customer Service Variability: Some customers have reported inconsistent experiences with Geico’s customer service, which could impact the overall satisfaction for Pontiac Solstice drivers.
#6 – Allstate: Best for Add-on Coverages
Pros
- Comprehensive Coverage Options: Allstate offers a wide range of coverage options for the Pontiac Solstice, including accident forgiveness and new car replacement.
- Strong Customer Support: Known for solid customer service, Allstate ensures that Pontiac Solstice owners receive reliable assistance and support throughout their policy term.
- Various Discounts: As mentioned in our Allstate car insurance review, Allstate provides several discounts, including those for bundling policies and safe driving, which can lower insurance costs for Pontiac Solstice drivers.
Cons
- Higher Premiums: At an average cost of $212, Allstate’s premiums for the Pontiac Solstice are relatively high, which may not be ideal for those looking to save on insurance.
- Claims Process Complaints: There have been reports of delays and issues with the claims process, which could be a concern for Pontiac Solstice owners who need timely resolution.
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#7 – Nationwide: Best for Usage Discount
Pros
- Comprehensive Coverage: Nationwide offers a wide range of coverage options for the Pontiac Solstice, including liability, collision, and comprehensive protection.
- Flexible Discounts: Nationwide provides various discounts, including those for safe driving and multi-policy bundling, which can lower insurance costs for Pontiac Solstice owners. Check out their ratings in our complete Nationwide car insurance discount.
- Strong Financial Ratings: Nationwide’s solid financial stability ensures that Pontiac Solstice drivers can rely on them for reliable coverage and claims processing.
Cons
- Higher Premiums: With an average monthly premium of $234, Nationwide’s rates for the Pontiac Solstice are on the higher side, which might not be ideal for budget-conscious drivers.
- Customer Service Variability: Some customers have reported inconsistent experiences with Nationwide’s customer service, which could affect the overall satisfaction for Pontiac Solstice drivers.
#8 – Liberty Mutual: Best for Customizable Polices
Pros
- Comprehensive Coverage: Liberty Mutual provides extensive coverage options for Pontiac Solstice owners, including new car replacement and accident forgiveness. Learn more in our Liberty Mutual car insurance review.
- Strong Discounts: Liberty Mutual offers significant discounts for multiple policies and safe driving, which can help reduce insurance costs for Pontiac Solstice drivers.
- Flexible Payment Options: Liberty Mutual provides various payment plans and options, allowing Pontiac Solstice owners to choose a plan that best fits their budget.
Cons
- High Insurance Costs: At an average of $290 per month, Liberty Mutual is one of the more expensive options for Pontiac Solstice insurance, which may not be ideal for all drivers.
- Mixed Reviews on Claims: Liberty Mutual has received mixed reviews regarding its claims process, which could be a drawback for Pontiac Solstice owners needing reliable service.
#9 – Farmers: Best for Local Agents
Pros
- Wide Range of Coverage: Farmers offers extensive coverage options for the Pontiac Solstice, including roadside assistance and customizable policies.
- Multiple Discounts: Farmers provides various discounts, such as those for good driving records and bundling, helping to lower premiums for Pontiac Solstice owners.
- Strong Reputation: Farmers is known for its reliable service and financial stability, ensuring that Pontiac Solstice drivers have dependable coverage. Learn more in our Farmers car insurance review.
Cons
- Higher Premiums: Farmers’ average insurance cost of $264 per month is relatively high, which might be a concern for budget-conscious Pontiac Solstice owners.
- Customer Service Issues: There have been reports of customer service issues, which could affect the overall experience for Pontiac Solstice drivers seeking assistance.
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#10 – USAA: Best for Military Savings
Pros
- Competitive Rates: USAA offers a competitive average rate of $205 per month for Pontiac Solstice insurance, making it a good option for those looking to save on premiums.
- Excellent Customer Service: USAA is highly rated for customer service, providing top-notch support for Pontiac Solstice owners throughout their policy term.
- Exclusive Discounts: USAA offers special discounts for military members and their families, which can help reduce costs for eligible Pontiac Solstice drivers. Learn more in our USAA car insurance review.
Cons
- Eligibility Restrictions: USAA’s services are only available to military members and their families, which excludes many Pontiac Solstice owners from accessing their coverage.
- Limited Coverage Options: Some customers may find USAA’s coverage options to be less flexible compared to other providers, potentially limiting customization for Pontiac Solstice insurance.
Why Your Driving Record Matters More
Regardless of the type of car you drive, the single most important factor in determining how much you will pay for insurance is your performance as a driver.
Pontiac Solstice Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $77 $214
Allstate $101 $212
Erie $67 $267
Farmers $82 $264
Geico $71 $238
Liberty Mutual $61 $290
Nationwide $81 $234
Progressive $84 $156
State Farm $68 $169
USAA $46 $205
The table above compares monthly rates for minimum and full coverage car insurance for a Pontiac Solstice from various providers. The less risk you pose to your insurance company, the less they will be inclined to charge you. Consider things like:
- Moving violations
- Speeding tickets
- DUI/DWI infractions
- Accident claims
All of these things add up to contribute to the cost of your insurance. If you have a poor driving history, adding it to the fact that your Pontiac Solstice is a sports car with a high replacement cost means you could pay significantly for insurance coverage.
One way to combat this would be to list another family member with a better driving record as the primary operator of the vehicle. Of course, to avoid the high insurance costs begin with, simply practice safe and legal driving and you’ll have nothing to worry about.
Read More: 15 Traffic Tickets that Raise Car Insurance Rates
How Safety Ratings Affect Pontiac Solstice Insurance Costs
Setting aside your personal driving history, safety ratings always affect what a car insurance company charges for coverage.
Crash test ratings, as administered by two different organizations, are combined with size and weight of a given vehicle to assess the risk of personal injury and property damage inflicted in an accident.
These discounts from top insurance providers for Pontiac Solstice offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.
Car insurance companies need to know how safe a car is in order to determine the risk it poses. Crash test safety ratings for the Pontiac Solstice are not bad, but they’re also not as good as they could be.
For both the convertible and coupe in the 2009 model year, the Solstice earned four stars for front impact rating. Side impact rating was four stars on the driver side and unknown for the passenger side.
Daniel Walker LICENSED INSURANCE AGENT
Other safety features built into the Pontiac Solstice include anti-lock brakes, daytime running lights, and front air bags. If you’re considering theft and fire coverage for your Pontiac Solstice, you’ll be happy to know that the car comes standard with anti-theft features like:
- A security system
- A tracking system
- A panic alarm
- An ignition disabling
Though the Solstice is not high on the list of the most stolen cars, the fact that it’s a sports car makes it a target for joy riders in areas where the incidence of car theft is high. Parking your car in a garage overnight will help reduce your insurance cost along with the previously mentioned anti-theft devices.
Read More: Different Ways to Lower Car Insurance Rates
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How Depreciation Affects Pontiac Solstice Car Insurance Costs
When a car insurance company agrees to provide full collision or theft & fire coverage, it must consider how much it would cost to replace the vehicle after a total loss.
The replacement value is determined by several factors, including the Kelly Blue Book price at the time the car was first assured and the replacement value of other similar vehicles of the same year and class.
The MSRP for the 2009 Solstice was just over $26,000, and it retains decent Kelly Blue Book value for six to eight years. Unfortunately, as the car depreciates, it will not bring the cost of your insurance down.
The Pontiac Solstice was an exciting little sports car that took the market by storm during its very brief life. If you’re fortunate enough to own one of these gems, insuring it against a loss should be a high priority.
Read More: Best Car Insurance for Sports Cars
Looking for Pontiac Solstice car insurance companies? Enter your ZIP code now for great Pontiac Solstice costs for car insurance quotes.
Frequently Asked Questions
Does my driving record have a bigger impact on insurance costs than safety ratings?
Yes, your driving record is a significant factor in determining your insurance costs. Insurance companies assess the risk you pose as a driver, so a poor driving history with moving violations, speeding tickets, DUI/DWI infractions, or accident claims can result in higher insurance premiums.
Do safety ratings affect the cost of insurance for a Pontiac Solstice?
Yes, safety ratings play a role in determining insurance costs. Crash test ratings, size, and weight of the vehicle are considered to assess the risk of personal injury and property damage in an accident. While the Pontiac Solstice has decent safety ratings, they are not as high as they could be.
Read More: Safety Features Car Insurance Discounts
How much does insurance for a Pontiac Solstice cost?
The average monthly cost of insurance for a Pontiac Solstice is around $116, but the actual cost may vary depending on various factors such as your location, driving record, and insurance provider.
Does depreciation impact insurance costs for a Pontiac Solstice?
Depreciation does not directly affect insurance costs. However, when you have collision or theft & fire coverage, the insurance company considers the replacement value of the vehicle. The value is determined by factors such as the initial Kelly Blue Book price and the replacement value of similar vehicles. As the Pontiac Solstice depreciates over time, it may not lower your insurance costs.
Are there ways to save on insurance for a Pontiac Solstice?
While sports cars like the Pontiac Solstice tend to have higher insurance costs, there are ways to potentially save on premiums. Maintaining a clean driving record, practicing safe driving habits, and considering listing a family member with a better driving record as the primary operator of the vehicle can help reduce costs.
Read More: 16 Ways to Lower the Cost of Your Insurance
How long was the Pontiac Solstice in production?
The Pontiac Solstice had a short production run from 2005 to 2009 before it was discontinued. See if you’re getting the best deal on car insurance by entering your ZIP code below.
What are the typical coverage options for a Pontiac Solstice?
Typical coverage options for a Pontiac Solstice include liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and medical payments coverage. Depending on your needs, you may also consider additional options like roadside assistance and rental car reimbursement.
Can I get discounts on my insurance for a Pontiac Solstice?
Yes, many insurance companies offer discounts that could apply to a Pontiac Solstice. These may include multi-car discounts, good driver discounts, and discounts for having anti-theft devices installed. Be sure to ask your insurance provider about all available discounts.
Is it better to insure a Pontiac Solstice with full coverage or liability only?
The choice between full coverage and liability only depends on your personal situation. Full coverage is generally recommended for newer or more valuable vehicles as it protects against a wider range of risks. Liability only might be suitable for older vehicles with lower value or for drivers looking to minimize costs.
Read More: Best Full Coverage Car Insurance
What should I consider when choosing an insurance provider for my Pontiac Solstice?
When choosing an insurance provider, consider factors such as the company’s financial stability, customer service ratings, the availability of discounts, and the extent of coverage options. Comparing quotes from multiple providers can help you find the best rate and coverage for your Pontiac Solstice.
Ready to find affordable car insurance? Get started today by entering your ZIP code below into our free comparison tool.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
