- Cheapest car insurance in Vermont for a bad driving record
- How much is high-risk car insurance in Vermont?
- Cheapest car insurance in Vermont with a DUI
- Cheapest car insurance in Vermont with multiple tickets
- Cheapest car insurance in Vermont with a reckless driving conviction
- Cheapest car insurance in Vermont with bad credit
- Cheapest car insurance after an accident in Vermont
- Cheapest car insurance in Vermont by city
- How to reduce car insurance rates in Vermont for a bad driving record
- Vermont car insurance laws for high-risk drivers
- Compare Vermont high-risk driver car insurance rates with other states
Cheapest car insurance in Vermont for a bad driving record
Progressive, Auto-Owners, Nationwide offers affordable car insurance for high-risk drivers with bad driving record in Vermont.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| 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 |
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. However, you can get rates as low as $1,290 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.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
PEOPLE ASK:
Who is considered high-risk for insurance in Vermont?
Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land 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.
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 |
Cheapest car insurance in Vermont with multiple tickets
Auto-Owners is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,137 or $95.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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 |
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.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.
| 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 |
Cheapest car insurance in Vermont with bad credit
Based on our research, Nationwide is the cheapest car insurance company for drivers with poor credit, averaging $1,288 or $107. Fortunately, drivers with bad credit can still find affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a 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., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Vermont car insurance.
| 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 |
Cheapest car insurance after an accident in Vermont
State Farm and Nationwide have the lowest car insurance rates after an accident at $1,302 and $1,385, respectively.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one 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 |
Cheapest car insurance in Vermont by city
South Burlington has the cheapest car insurance rates in Vermont at $2,050. But the most expensive city is Jeffersonville with rates of $2,212.
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 |
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:
- 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 Vermont 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 considered a high-risk driver in Vermont, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.
Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
Compare Vermont high-risk driver car insurance rates with other states
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