Cheapest car insurance for high-risk drivers in Vermont

Cheapest car insurance in Vermont for a bad driving record

Progressive, Auto-Owners, Nationwide provides affordable car insurance for high-risk drivers with bad driving record in Vermont.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Progressive	$926	$1,290
Auto-Owners	$992	$1,416
Nationwide	$935	$1,486
State Farm	$1,139	$1,668
GEICO	$1,276	$1,989
Allstate	$1,733	$2,232
Vermont Mutual	$1,413	$3,214
Farmers	$2,333	$4,026
USAA	$803	$1,201

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How much is high-risk car insurance in Vermont?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Vermont, high-risk car insurance costs $2,161 per year. However, you can get rates as low as $1,290 annually from Progressive.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Vermont, VT is $1,903

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Company	Annual premium for clean record	Annual premium after violation
USAA	$803	$1,173
State Farm	$1,139	$1,302
Nationwide	$935	$1,385
Auto-Owners	$992	$1,498
Progressive	$926	$1,570
Vermont Mutual	$1,413	$1,870
GEICO	$1,276	$2,103
Allstate	$1,733	$2,419
Farmers	$2,333	$3,386

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Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in Vermont?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in Vermont with a DUI

While many insurers offer coverage after a DUI, Progressive has the lowest rate at $1,053 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Vermont.

Company	Average annual premium for clean record	Annual premium for a DUI
Progressive	$926	$1,053
State Farm	$1,139	$1,206
Auto-Owners	$992	$1,663
Nationwide	$935	$1,783
Allstate	$1,733	$2,375
GEICO	$1,276	$3,503
Farmers	$2,333	$4,414
Vermont Mutual	$1,413	$5,153
USAA	$803	$1,640

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Cheapest car insurance in Vermont with multiple tickets

The cheapest insurer for drivers with multiple tickets is Auto-Owners, with rates averaging $1,137 annually or $95 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Vermont drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Auto-Owners	$992	$1,137
State Farm	$1,139	$1,206
Progressive	$926	$1,223
Nationwide	$935	$1,354
GEICO	$1,276	$1,413
Vermont Mutual	$1,413	$1,870
Allstate	$1,733	$2,007
Farmers	$2,333	$3,147
USAA	$803	$921

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Cheapest car insurance in Vermont with a reckless driving conviction

State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,206 per year.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

Company	Average annual premium for clean record	Annual premium for reckless driving
State Farm	$1,139	$1,206
Progressive	$926	$1,399
Auto-Owners	$992	$1,663
Nationwide	$935	$1,783
Allstate	$1,733	$2,375
GEICO	$1,276	$2,634
Farmers	$2,333	$4,414
Vermont Mutual	$1,413	$5,153
USAA	$803	$1,174

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Cheapest car insurance in Vermont with bad credit

In Vermont, Nationwide provides the lowest premiums for drivers with poor credit, averaging $1,288 per year or $107 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Vermont.

Company	Annual premium for good credit	Annual premium for bad credit
Nationwide	$935	$1,288
GEICO	$1,276	$1,564
Progressive	$926	$1,621
Auto-Owners	$992	$1,760
Allstate	$1,733	$2,624
Vermont Mutual	$1,413	$3,368
State Farm	$1,139	$3,978
Farmers	$2,333	$5,893
USAA	$803	$1,629

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Cheapest car insurance after an accident in Vermont

State Farm offers the lowest rates after an accident, averaging $1,302 per year. Nationwide is another budget-friendly option, with rates around $1,385 a year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single at fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
State Farm	$1,139	$1,302	$1,302
Nationwide	$935	$1,385	$1,887
Auto-Owners	$992	$1,498	$1,987
Progressive	$926	$1,570	$2,242
Vermont Mutual	$1,413	$1,870	$3,031
GEICO	$1,276	$2,103	$2,771
Allstate	$1,733	$2,419	$3,208
Farmers	$2,333	$3,185	$6,320
USAA	$803	$1,173	$1,797

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Cheapest car insurance in Vermont by city

South Burlington has the cheapest car insurance rates in Vermont at $2,050 per year. But the most expensive city is Jeffersonville with rates of $2,212 per year.

Your location in Vermont also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.

City	Average annual premium for clean record	Annual premium for high-risk driver
South Burlington	$1,251	$2,050
Barre	$1,265	$2,063
Montpelier	$1,266	$2,064
Burlington	$1,270	$2,078
Rutland	$1,286	$2,110
Vergennes	$1,299	$2,126
Perkinsville	$1,303	$2,131
Alburgh	$1,310	$2,157
Derby	$1,340	$2,198
Jeffersonville	$1,347	$2,212

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How to reduce car insurance rates in Vermont for a bad driving record

Finding affordable car insurance in Vermont is possible, even with a bad driving record. Ways to lower car insurance rates include:

Where you live in Vermont also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in Vermont?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Vermont car insurance laws for high-risk drivers

If you're a high-risk driver in Vermont, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on: