How much does it cost to insure a Pontiac GTO?

The Pontiac GTO was last produced in 1974. Classic or collector car insurance is an excellent choice if you own a GTO, and car insurance rates will vary on your location and where you store your classic ride.

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UPDATED: May 14, 2020

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Here's what you need to know...
  • The Pontiac GTO was produced from 1964-1974
  • If you’re considering restoring a GTO, you should protect your investment with classic car insurance
  • There are several questions to ask yourself so you can plan to get the most appropriate coverage for your vehicle


First making its debut in 1964, the Pontiac GTO was issued for an entire decade before ending production in 1974.

Six different models were made in that time span. It has always been a rear wheel drive vehicle and was sold as both a convertible and a two-door coupe with a hardtop. The engine has always been a large V8.

According to legend, the Pontiac GTO got part of Ferrari 250 GTO. GTO stands for “Gran Turismo Omologato.”

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If you are passionate about owning and restoring classic cars such as the Pontiac GTO, insurance is important to protect your investment.

How is car insurance cost for a Pontiac GTO dependent on transportation?

Ask yourself how you transport your vehicle to various auto shows and events. Do you drive it there? Is it towed on a trailer?

Some car insurance companies will even provide coverage for overseas events. You will need to first determine how much coverage you actually need and/or want. Remember to keep in mind a worst-case scenario, and think of how or if you would be able to pay for that scenario.

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How does my personal usage affect the car insurance cost of my Pontiac GTO?

You may want to ask yourself specific questions about your Pontiac GTO. For example, if you are currently restoring it, do you need insurance for that duration?

Is the vehicle something you want to be able to pass down to your child or children? If so, you may want to insure the vehicle so that, should something happen to it, you would be able to receive full replacement cost, rather than actual cost, to replace it.

When and how much you will drive your car is important.

So much more can happen to your vehicle on the road than sitting sedately in your garage or auto showroom:

  • bad weather
  • collisions
  • theft
  • vandalism

Additionally, if it will be driven, how far will it be driven, how often will it be driven, and by whom will be driven? It will still need to be covered with insurance if it is not driven, but other issues will need to be taken into consideration.

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Why does storage impact the car insurance cost of a Pontiac GTO?

Will your Pontiac GTO be stored in a secure location? Is the garage or auto showroom in which you plan to store your vehicle equipped with an alarm system of some kind? If not, you may want to invest in one.

Also, do you live in a large city or in a quiet suburb? Obviously, if you live in an area with a higher crime rate, you will be paying more in premiums than someone who lives in a middle-class, residential area, or a small quiet town.

Write your questions down in detail, and be sure that you ask them to any insurance representative you speak to for the most accurate information and coverage you can possibly get.

Then, review the answers you have received.

Finally, it’s time to choose a company. This can be done both online and over the phone. Regardless of the method you choose, keep the questions that you wrote down handy.

If you put your whole efforts into restoring your Pontiac GTO, it’s hard to put a price on all the work you’ve done. However, it is a financial as well as an emotional investment. Protect your investment with the best policy you can find.

A Pontiac GTO is more than merely your hobby or your baby, it is a large investment as well. It is an investment of your time, your emotions, your energy, and your money.

For these reasons, it is important not to take the process of purchasing auto insurance for your Pontiac GTO lightly.

Instead, it should be a process in which you do things in the appropriate sequence: ask yourself serious questions, write the questions down in detail, begin the shopping process, ask your questions, make a decision, and purchase the policy.

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