Cheapest car insurance companies in Rutland
Progressive and Nationwide offer the cheapest car insurance rates in Rutland for 2023, according to a study by Insurance.com.
The car insurance company in Rutland that provides the cheapest car insurance premiums is Progressive, with an average annual rate of $889 .
Car insurance prices in Rutland can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Rutland drivers.
| Companies | Average annual rates |
|---|---|
| USAA | $812 |
| Progressive | $889 |
| Nationwide | $977 |
| Auto-Owners | $1,030 |
| State Farm | $1,059 |
| Geico | $1,221 |
| Vermont Mutual | $1,365 |
| Co-operative Insurance | $1,429 |
| Allstate | $1,691 |
| Farmers | $2,388 |
Cheapest car insurance cost in Rutland by Age Group
Auto-Owners is the cheapest option for car insurance in Rutland for teen drivers, with average annual premiums at just $2,266 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
USAA provides the cheapest car insurance coverage for young drivers in Rutland, with an annual premium of $1,402 on average.
Drivers in Rutland stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. USAA has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $828 a year.
If you are a senior driver in Rutland and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $831 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Auto-Owners | $2,266 | $1,582 | $1,067 | $1,095 |
| Progressive | $2,960 | $1,559 | $897 | $892 |
| USAA | $3,141 | $1,402 | $828 | $831 |
| Nationwide | $3,180 | $1,606 | $947 | $963 |
| State Farm | $3,207 | $1,829 | $1,070 | $1,034 |
| Geico | $4,108 | $2,065 | $1,187 | $1,264 |
| Vermont Mutual | $4,847 | $3,173 | $1,404 | $1,492 |
| Allstate | $4,959 | $2,823 | $1,662 | $1,870 |
| Co-operative Insurance | $5,196 | $3,059 | $1,428 | $1,378 |
| Farmers | $10,410 | $4,845 | $2,371 | $2,063 |
Cheapest car insurance companies in Rutland by driver profile
Insurers in Rutland consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Rutland that suits your budget.
In Rutland, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Rutland drivers at about $1,066 per year.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $1,066 |
| Nationwide | $1,213 |
| USAA | $1,718 |
| Allstate | $2,402 |
| State Farm | $2,493 |
| Progressive | $2,863 |
Cheapest for drivers with a speeding ticket: State Farm
State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Rutland. It offers full coverage car insurance for drivers aged 30 at about $814 per year.
Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.
| Company | Average annual premium |
|---|---|
| State Farm | $814 |
| USAA | $941 |
| Geico | $975 |
| Nationwide | $1,250 |
| Allstate | $1,887 |
| Progressive | $2,064 |
Cheapest auto insurance after an at-fault accident: State Farm
According to Insurance.com's analysis, State Farm tops the list of cheap car insurance providers in Rutland for drivers involved in at-fault accidents, with an average annual cost of $878. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget.
| Company | Average annual rates |
|---|---|
| State Farm | $878 |
| USAA | $1,289 |
| Nationwide | $1,387 |
| Geico | $1,549 |
| Allstate | $2,408 |
| Progressive | $2,672 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest option for Rutland drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $814, on average.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $814 |
| USAA | $1,759 |
| Nationwide | $1,925 |
| Progressive | $2,287 |
| Allstate | $2,623 |
| Geico | $4,149 |
Average car insurance cost in Rutland
On average, Rutland drivers pay $1,286 annually, or $107 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Rutland is $325.
Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,286 | $325 |
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
While the 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.
