Average car insurance cost in Rutland
Full coverage car insurance in Rutland costs an average of $1,421 per year, or $118 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $316 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $710 |
| Average annual premium | $1,421 |
| State minimum premium | $316 |
Cheapest car insurance companies in Rutland
Progressive offers the cheapest full coverage car insurance in Rutland at $933 per year. State Farm has the next-lowest average rate. Since insurance companies use different pricing methods, the most affordable carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. varies significantly from one driver to another.
Your location, driving record, vehicle, selected limits, and insurance company all influence your premium. When comparing insurers, request quotes with matching coverage limits and deductibles to ensure the price comparison is accurate.
Below are the companies that offer cheap car insurance to drivers in Rutland.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $467 | $933 |
| State Farm | $653 | $1,306 |
| Co-operative Insurance Companies | $705 | $1,410 |
| Auto-Owners | $741 | $1,482 |
| GEICO | $752 | $1,504 |
| Nationwide | $814 | $1,628 |
| Allstate | $818 | $1,635 |
| Vermont Mutual | $923 | $1,845 |
| USAA | $522 | $1,044 |
Cheapest car insurance cost in Rutland by age group
The cheapest car insurance company in Rutland varies by age because insurers price policies in part based on driving experience and expected claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. risk. Auto-Owners is cheapest for teens, Progressive for young adults, Progressive for adults, and Progressive for seniors in our rate analysis.
Take a look at the cheapest companies in Rutland by age group:
- Cheapest for teens: Auto-Owners
- Cheapest for young adults: Progressive
- Cheapest for adults: Progressive
- Cheapest for seniors: Progressive
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Auto-Owners offers the cheapest car insurance for teens at $3,214 per year.
Progressive offers the most affordable auto insurance for young adults at $1,818 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.
Adult drivers pay the lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Progressive provides the lowest car insurance rates at $986 per year for adult drivers in Rutland.
Progressive offers the least expensive car insurance for senior drivers in Rutland, at $871 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| Progressive | $3,302 | $1,818 | $986 | $871 |
| State Farm | $3,944 | $2,256 | $1,319 | $1,268 |
| Co-operative Insurance Companies | $3,463 | $2,334 | $1,434 | $1,179 |
| GEICO | $5,048 | $2,541 | $1,463 | $1,557 |
| Auto-Owners | $3,214 | $2,242 | $1,530 | $1,568 |
| Nationwide | $5,370 | $2,761 | $1,571 | $1,599 |
| Allstate | $4,810 | $2,702 | $1,605 | $1,776 |
| Vermont Mutual | $4,968 | $3,726 | $1,833 | $1,913 |
| Farmers | NA | NA | NA | $2,957 |
| USAA | $4,016 | $1,811 | $1,055 | $1,056 |
Cheapest car insurance companies in Rutland by driver profile
The cheapest car insurance provider in Rutland varies based on driving history and credit-based insurance information. State Farm has the lowest rate after an at-fault accident, Progressive after a DUI, and Progressive after a speeding ticket. Shopping around becomes particularly valuable after a violation.
Below are some of the cheapest car insurance companies in Rutland by driver profile.
- Cheapest for poor credit: Progressive
- Cheapest for an at-fault accident: State Farm
- Cheapest for a DUI: Progressive
- Cheapest for a driver with a speeding ticket: Progressive
Cheapest for a driver with poor credit: Progressive
Progressive is the most affordable car insurance for drivers with poor credit. On average, drivers in Rutland pay about $1,632 per year for it.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Rutland.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $816 | $1,632 |
| GEICO | $922 | $1,843 |
| Nationwide | $1,122 | $2,244 |
| Allstate | $1,237 | $2,474 |
| Auto-Owners | $1,314 | $2,627 |
| Vermont Mutual | $2,200 | $4,400 |
| State Farm | $2,279 | $4,559 |
| USAA | $1,060 | $2,120 |
Cheapest auto insurance after an at-fault accident: State Farm
After an at-fault accident, State Farm has the cheapest average car insurance in Rutland at $1,497 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Rutland.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| State Farm | $749 | $1,497 |
| Progressive | $790 | $1,580 |
| Auto-Owners | $1,118 | $2,237 |
| Allstate | $1,143 | $2,287 |
| Nationwide | $1,211 | $2,421 |
| Vermont Mutual | $1,222 | $2,444 |
| GEICO | $1,239 | $2,477 |
| USAA | $765 | $1,530 |
Cheapest auto insurance after a DUI: Progressive
Progressive offers the cheapest average car insurance after a first-offense DUI/DWI in Rutland, with a rate of $1,062 per year. A DUI will cause a major premium increase because insurers classify the driver as a higher risk, but shopping around can help you find lower rates.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Rutland.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $531 | $1,062 |
| State Farm | $692 | $1,385 |
| Allstate | $1,123 | $2,246 |
| Auto-Owners | $1,243 | $2,486 |
| Nationwide | $1,562 | $3,123 |
| GEICO | $2,063 | $4,126 |
| Vermont Mutual | $3,367 | $6,733 |
| USAA | $1,070 | $2,140 |
Cheapest for drivers with a speeding ticket: Progressive
Progressive offers the cheapest car insurance at $1,233 in Rutland for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $616 | $1,233 |
| State Farm | $692 | $1,385 |
| GEICO | $833 | $1,666 |
| Auto-Owners | $849 | $1,698 |
| Allstate | $947 | $1,894 |
| Nationwide | $1,183 | $2,367 |
| Vermont Mutual | $1,222 | $2,444 |
| USAA | $599 | $1,198 |
Car insurance discounts for Rutland drivers
The biggest car insurance discount available in Rutland is for the Student Away At School category at 45%, offered by Union Mutual.
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to Rutland drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | Nationwide | $1,554 | $1,544 | 1% | $10 |
| Air Bags | GEICO | $1,582 | $1,572 | 1% | $10 |
| Air Bags | Co-operative Insurance Companies | $1,648 | $1,638 | 1% | $10 |
| Anti-Theft Device | Auto-Owners | $1,501 | $1,470 | 2% | $31 |
| Anti-Theft Device | GEICO | $1,582 | $1,566 | 1% | $16 |
| Anti-Theft Device | Co-operative Insurance Companies | $1,648 | $1,628 | 1% | $20 |
| Anti-Theft Device | Vermont Mutual | $1,950 | $1,907 | 2% | $43 |
| Comp and Coll Deductibles | Progressive | $980 | $908 | 7% | $72 |
| Comp and Coll Deductibles | Auto-Owners | $1,501 | $1,230 | 18% | $271 |
| Comp and Coll Deductibles | State Farm | $1,410 | $1,295 | 8% | $115 |
| Comp and Coll Deductibles | Nationwide | $1,554 | $1,366 | 12% | $188 |
| Comp and Coll Deductibles | GEICO | $1,582 | $1,396 | 12% | $186 |
| Comp and Coll Deductibles | Vermont Mutual | $1,950 | $1,563 | 20% | $386 |
| Comp and Coll Deductibles | Allstate | $1,674 | $1,638 | 2% | $36 |
| Daily Commute | Co-operative Insurance Companies | $1,648 | $1,490 | 10% | $158 |
| Daily Commute | GEICO | $1,582 | $1,498 | 5% | $84 |
| Daily Commute | Vermont Mutual | $1,950 | $1,678 | 14% | $272 |
| Days Advanced Purchase | Progressive | $980 | $949 | 3% | $31 |
| Days Advanced Purchase | Auto-Owners | $1,501 | $1,344 | 10% | $157 |
| Days Advanced Purchase | Allstate | $1,674 | $1,347 | 20% | $327 |
| Days Advanced Purchase | Nationwide | $1,554 | $1,453 | 7% | $102 |
| Days Advanced Purchase | Vermont Mutual | $1,950 | $1,754 | 10% | $195 |
| Days Per Week Driven | Co-operative Insurance Companies | $1,648 | $1,371 | 17% | $277 |
| Days Per Week Driven | GEICO | $1,582 | $1,498 | 5% | $84 |
| Days Per Week Driven | Vermont Mutual | $1,950 | $1,541 | 21% | $408 |
| Education | GEICO | $1,582 | $1,429 | 10% | $153 |
| Electronic Funds Transfer | Nationwide | $1,554 | $1,521 | 2% | $33 |
| Electronic Funds Transfer | Allstate | $1,674 | $1,593 | 5% | $81 |
| Homeowner | Progressive | $980 | $957 | 2% | $23 |
| Homeowner | Allstate | $1,674 | $1,553 | 7% | $121 |
| Lower Annual Mileage | State Farm | $1,410 | $1,280 | 9% | $130 |
| Lower Annual Mileage | Auto-Owners | $1,501 | $1,479 | 1% | $22 |
| Lower Annual Mileage | Allstate | $1,674 | $1,558 | 7% | $116 |
| Loyalty - Years Renewal With Company | State Farm | $1,410 | $1,106 | 22% | $303 |
| Loyalty - Years Renewal With Company | Nationwide | $1,554 | $1,470 | 5% | $84 |
| Loyalty - Years Renewal With Company | Co-operative Insurance Companies | $1,648 | $1,619 | 2% | $29 |
| Marital Status | Progressive | $980 | $953 | 3% | $28 |
| Marital Status | Auto-Owners | $1,501 | $1,274 | 15% | $226 |
| Marital Status | Nationwide | $1,554 | $1,419 | 9% | $136 |
| Marital Status | GEICO | $1,582 | $1,498 | 5% | $84 |
| Marital Status | Allstate | $1,674 | $1,599 | 4% | $75 |
| Multi Policy | Progressive | $980 | $921 | 6% | $59 |
| Multi Policy | State Farm | $1,410 | $1,259 | 11% | $150 |
| Multi Policy | Nationwide | $1,554 | $1,363 | 12% | $192 |
| Multi Policy | Auto-Owners | $1,501 | $1,386 | 8% | $115 |
| Multi Policy | Co-operative Insurance Companies | $1,648 | $1,435 | 13% | $213 |
| Multi Policy | Allstate | $1,674 | $1,476 | 12% | $199 |
| Multi Policy | Vermont Mutual | $1,950 | $1,482 | 24% | $468 |
| Multi Policy | GEICO | $1,582 | $1,535 | 3% | $47 |
| Paperless/Electornic Documents | Progressive | $980 | $972 | 1% | $8 |
| Paperless/Electornic Documents | Auto-Owners | $1,501 | $1,487 | 1% | $14 |
| Paperless/Electornic Documents | Nationwide | $1,554 | $1,490 | 4% | $64 |
| Payment Type | Auto-Owners | $1,501 | $1,314 | 12% | $187 |
| Payment Type | Co-operative Insurance Companies | $1,648 | $1,565 | 5% | $83 |
| Payment Type | Allstate | $1,674 | $1,593 | 5% | $81 |
| Payment Type | Vermont Mutual | $1,950 | $1,754 | 10% | $195 |
| Primary Use | State Farm | $1,410 | $1,264 | 10% | $146 |
| Primary Use | Co-operative Insurance Companies | $1,648 | $1,371 | 17% | $277 |
| Primary Use | Nationwide | $1,554 | $1,427 | 8% | $128 |
| Primary Use | GEICO | $1,582 | $1,498 | 5% | $84 |
| Primary Use | Vermont Mutual | $1,950 | $1,541 | 21% | $408 |
| Primary Use | Allstate | $1,674 | $1,590 | 5% | $84 |
| Profession | GEICO | $1,582 | $1,429 | 10% | $153 |
| Safety Devices | Progressive | $980 | $944 | 4% | $36 |
| Safety Devices | Allstate | $1,674 | $1,539 | 8% | $136 |
| Safety Devices | GEICO | $1,582 | $1,544 | 2% | $38 |
| Safety Devices | Co-operative Insurance Companies | $1,648 | $1,582 | 4% | $66 |
| Safety Devices | Vermont Mutual | $1,950 | $1,930 | 1% | $20 |
| Telematics | Progressive | $980 | $885 | 10% | $96 |
| Telematics | State Farm | $1,410 | $1,298 | 8% | $112 |
| Telematics | Nationwide | $1,554 | $1,394 | 10% | $161 |
| Years Insured | Progressive | $980 | $903 | 8% | $77 |
| Years Insured | Allstate | $1,674 | $1,373 | 18% | $301 |
| Years Insured | GEICO | $1,582 | $1,397 | 12% | $185 |
| Years Insured | Auto-Owners | $1,501 | $1,429 | 5% | $72 |
How to get cheap car insurance in Rutland in 2026
To find cheap car insurance in Rutland in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
Find affordable car insurance in Rutland by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Rutland.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Rutland
How much does car insurance cost in Rutland?
Car insurance costs $1,421 per year on average, or about $118 monthly for full coverage in Rutland. This average is based on 100/300/100 liability limits with $500 deductibles, but your final price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in VT?
No, you don't legally need full coverage in VT, but you will be required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Rutland?
You can reduce your car insurance costs in Rutland by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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