How much would car insurance cost for a Pontiac Solstice?
The average Pontiac Solstice insurance costs are $116/mo. Sports cars are more expensive to insure, but there are ways to save. Find cheap Pontiac Solstice car insurance quotes online by comparing great auto insurance quotes from top companies. Enter your ZIP code to get started.
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UPDATED: Sep 18, 2020
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- Because the Solstice is a sports car, the cost to insure it will be higher than average
- Your driving history has a huge impact on your car insurance costs
- Safety ratings are factored into your car insurance costs, and while not terrible, the Solstice did not receive great ratings
The average annual Pontiac Solstice insurance cost is in the neighborhood of $1,400. The higher-than-average premiums are due mostly to the fact that this car is considered a sports car.
Due to the tendency of sports car drivers to exceed the speed limit and drive more recklessly than their minivan-driving counterparts, insurance companies assume these drivers pose a higher risk of an accident.
The higher risk is reflected in a slightly higher cost for insurance.
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The Pontiac Solstice was one of the hottest sports cars ever produced by GM. So popular was this roadster, that the company received 7,000 orders within the first 10 days of availability.
The Solstice enjoyed only a very short run, from 2005 to 2009, being discontinued when GM closed the Delaware plant where the car was manufactured.
Is my driving record more important than safety ratings?
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.
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.
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Do safety ratings affect the car insurance costs for Pontiac Solstice?
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.
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.
Other safety features built into the Pontiac Solstice include anti-lock brakes, daytime running lights, and front airbags.
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.
Does depreciation affect car insurance costs for a Pontiac Solstice?
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.
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