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Best Cheap Vermont Auto Insurance Quotes

Enter your Vermont zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2019

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Wouldn’t it be excellent if we could just give you the name of the single best company in Vermont that has the best deal on coverage in Vermont? It’s just not that easy, however, as there are a whole bunch of unknown aspects such as if you are a homeowner, where you live in Vermont, the number of miles you drive in a year, and whether you are a man or a woman. We will attempt to cover some of these criteria and will hopefully give you a good beginning to your quest for cheaper car insurance in Vermont.

One of the many factors that help determine the amount you pay for auto insurance is your zip code. Areas with more people or more claims like Saint Johnsbury, Newport, and Bennington are more likely to pay higher prices, whereas areas with less people or fewer weather incidents have the gratification of the best cheap Vermont auto insurance quotes.

The table below shows the most expensive places in Vermont to buy an auto insurance policy in.

Car insurance prices in Vermont
Rank City Average Per Year
1 Saint Johnsbury $1,039
2 Manchester Center $1,034
3 Newport $1,031
4 Bellows Falls $1,031
5 Bennington $1,021
6 Northfield $1,017
7 White River Junction $1,016
8 Vergennes $1,016
9 Saint Albans $1,006
10 Swanton $1,000
11 West Brattleboro $995
12 Brattleboro $993
13 Middlebury $990
14 Montpelier $988
15 Springfield $988
16 Bristol $985
17 Fair Haven $972
18 South Burlington $969
19 Winooski $968
20 Barre $966
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Table data uses approximated as vehicle location can revise rates noticeably.

Finding decent, budget auto insurance is not always easy, and deciding which companies have the cheapest insurance rates in Vermont involves even more perseverance. Every insurance provider uses different criteria for determining rates, so first we will examine the insurance companies that tend to be cheaper in Vermont.

Enter your zip code below to view companies that have cheap auto insurance rates.

Rankings for the cheapest car insurance companies in Vermont
Rank Company Cost Per Year
1 Safeco $463
2 California Casualty $514
3 USAA $626
4 The Hartford $646
5 Travelers $708
6 Unitrin $717
7 Co-Operative Insurance $791
8 Concord $891
9 GEICO $892
10 MMG Insurance $1,032
11 MetLife $1,095
12 National Grange Mutual $1,179
13 Progressive $1,199
14 Nationwide $1,200
15 State Farm $1,315
16 Liberty Mutual $1,352
17 Allstate $1,536
18 Vermont Mutual $1,548
19 Sentry $1,845
20 Union Mutual $1,997
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Safeco has some of the most affordable car insurance rates in Vermont at around $463 a year. California Casualty, USAA, The Hartford, and Travelers would also make the list of some of the more affordable Vermont auto insurance companies.

As the example above demonstrates, if you are a policyholder with The Hartford and switched to California Casualty, you could earn annual savings of roughly $132. Drivers with Travelers may save as much as $194 a year, and Unitrin customers might realize rate reductions of up to $203 a year.

Be aware that those premiums are averaged across all insureds and vehicles and do not factor in a price decrease in Vermont. So the company that fits your situation best may not even be in the rate chart shown above. That affirms the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.

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The safety and performance level of the vehicle that needs insurance is probably the biggest factor when quoting the best cheap Vermont auto insurance quotes. Vehicles with high performance features, poor crash test ratings, or a track record of large liability claims will cost more to insure than safer models.

The next tables presents insurance prices for the cheapest automobiles to buy coverage for.

Auto Insurance Rates for Popular Cars in Vermont
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Fusion Hybrid 4-Dr Sedan $838 $419 $70
Honda Accord EX-L 2-Dr Coupe $758 $379 $63
Honda Civic SI 2-Dr Coupe $874 $437 $73
Hyundai Sonata Limited 4-Dr Sedan $758 $379 $63
Kia Optima SX $758 $379 $63
Nissan Altima 2.5 S 4-Dr Sedan $698 $349 $58
Toyota Camry Hybrid $758 $379 $63
Toyota Corolla XLE $698 $349 $58
Volkswagen Jetta SE 4-Dr Sedan $710 $355 $59
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price estimates do not factor in specific garaging location which can lower or raise auto insurance rates noticeably.

Car Insurance Rates for Popular SUVs and Crossovers in Vermont
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Buick Enclave CX AWD $710 $355 $59
Cadillac Escalade Hybrid Platinum 2WD $952 $476 $79
Chevrolet Traverse LT AWD $620 $310 $52
Ford Escape Limited 4WD $608 $304 $51
Ford Explorer XLT 2WD $626 $313 $52
GMC Acadia SL AWD $626 $313 $52
Honda CR-V EX-L 4WD $572 $286 $48
Honda Pilot EX 4WD $638 $319 $53
Jeep Grand Cherokee Laredo 4WD $662 $331 $55
Nissan Pathfinder SE 4WD $626 $313 $52
Subaru Forester X Premium AWP AWD $620 $310 $52
Toyota Highlander Limited 2WD $722 $361 $60
Toyota RAV4 Limited 4WD $662 $331 $55
Volvo XC90 3.2 R-Design 2WD $710 $355 $59
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Table data does not factor in zip code location which can decrease or increase price quotes substantially.

Insurance Rates for Popular Pickup Trucks in Vermont
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $650 $325 $54
Chevrolet Silverado 2500HD LT Crew Cab Diesel 2WD $806 $403 $67
Chevrolet Silverado LS Extended Cab 4WD $662 $331 $55
Dodge Ram 2500 Crew Cab ST 4WD $770 $385 $64
Dodge Ram Quad Cab TRX4 Off Road 4WD $770 $385 $64
Ford F-150 Lariat Crew Cab Harley 2WD $710 $355 $59
Ford F-250 XLT Turbo Diesel 4WD $814 $407 $68
GMC Sierra 2500HD SLE Regular Cab 4WD $710 $355 $59
GMC Sierra SLE Extended Cab 4WD $710 $355 $59
Toyota Tundra SR/5 Double Cab 4WD $722 $361 $60
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific location which can alter premium rates greatly.

Discounts on the best cheap Vermont auto insurance quotes

Cheaper Vermont insurance for drivers in VermontAuto insurance companies that provide policies in Vermont may have special discounts that could lower prices by as much as 25% or more if you are eligible. Large insurance companies and some of the premium reductions they offer are outlined below.

  • GEICO may include discounts for anti-lock brakes, emergency military deployment, anti-theft, seat belt use, military active duty, and membership and employees.
  • Auto-Owners Insurance offers discounts including group or association, safe vehicle, teen driver, anti-theft, mature driver, and multi-policy.
  • American Family has discounts for air bags, TimeAway discount, bundled insurance, multi-vehicle, and Steer into Savings.
  • Esurance discounts include online shopper, good driver, Pac-12 alumni, multi-policy, emergency road assistance, good student, and defensive driver.
  • Progressive offers discounts for online quote discount, continuous coverage, online signing, good student, multi-policy, and homeowner.
  • State Farm has savings for good student, multiple policy, student away at school, driver’s education, passive restraint, safe vehicle, and multiple autos.
  • AAA may offer discounts for multi-car, multi-policy, anti-theft, good student, AAA membership discount, and education and occupation.

The example below illustrates the difference between yearly insurance costs with and without policy discounts. The rates are based on a male driver, no violations or accidents, Vermont state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with marriage, passive restraint, multiple policy, anti-theft, defensive driving course, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average amount saved on insurance in Vermont is 27% or $380.

Should you buy full coverage?

Finding the best cheap Vermont auto insurance quotes should be important to most vehicle owners, and one way to find cheaper insurance is to not pay for full coverage. The example below shows the difference between insurance costs with and without full coverage. The price estimates are based on no accidents, no driving violations, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

If averaged out across all ages, physical damage coverage on your policy costs an additional $1,357 per year more than just buying liability only. That is a big expense that brings up the question if paying for full coverage is a waste of money. There is no clear-cut formula that works best for making the decision to drop comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

There are a few situations where removing full coverage is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Last year’s bargain might be this year’s rip off

Vermont insurance rates are impacted by many factors which can substantially decrease or increase the price of coverage. Simply turning a year older, getting married, or getting a ticket for careless driving can cause premium changes resulting in some companies being more affordable than others.

And not only may your rating factors change, but insurers modify rates every year to help ensure profitability. A period of higher than normal claims can result in a rate increase, while a better claims history may produce cheaper Vermont car insurance rates.

For instance, the graph below shows the companies that have the cheapest car insurance in Vermont for a 40-year-old male driver with no violations or accidents, and great credit. If we look at prices based on his current risk factors, Safeco quotes the most affordable car insurance rates in Vermont at $463 per year. This is $618 less than the average rate paid by Vermont drivers of $1,081. California Casualty, The Hartford, USAA, and Unitrin are also on the list of the best Vermont auto insurance companies.

In this next rate comparison, we will give the driver from above a couple of claims, bad credit, and a speeding ticket. Since every insurance provider has their own guidelines to establish rates, comparing prices will most likely result in a substantially altered list of cheap Vermont auto insurance companies as shown below.

California Casualty now has the lowest car insurance rate in Vermont with Co-Operative Insurance, The Hartford, Concord, and GEICO completing the list. This demonstrates why it is critical to compare many different companies when trying to get cheap auto insurance quotes in Vermont.

Car insurance prices are calculated by many things and can increase or decrease at any time, so the most economical company the last time you shopped your coverage around may now not even be in the top five.

How to find the best cheap Vermont auto insurance quotes

Lowering your rates is not difficult, and here are some of the recommended thrifty suggestions that can help Vermont drivers get more affordable car insurance.

  • Too many claims can make car insurance unaffordable
  • Avoid speeding and other traffic citations and pay less
  • Increase your credit rating
  • Increase physical damage deductibles
  • Remain accident-free and save
  • Buy your auto and home insurance from the same company and save
  • Shop around for lower rates once a year

The last tip is notably critical, as was stressed in the prior article. Prices in Vermont can be modified anytime, so don’t be unwilling to change to a new company if a cheaper rate is available. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that loyalty results in overpaying lots of hard earned cash every month. If you have a few minutes, compare rates to find cheaper car insurance in Vermont.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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