Cheapest car insurance for high-risk drivers in Vermont

Which company has the cheapest car insurance in Vermont for a bad driving record?

Progressive, Auto-Owners and Nationwide offer some of the cheapest rates for drivers with poor driving records in Vermont. Among them, Progressive has the lowest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,290 annually.

If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

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?

Progressive has the cheapest average DUI insurance rates in Vermont at $1,053 per year. Drivers with a DUI often see some of the largest premium increases because insurers consider a bad driving record a major risk factor.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Keep reading as we break down high-risk car insurance factors and rates.

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 a high-risk driver in Vermont?

Drivers in Vermont are considered high-risk if they have a DUI, multiple speeding tickets, at-fault accidents, reckless driving convictions, insurance lapses, an SR-22 requirement or a poor driving history. Teen drivers and new drivers also often pay higher premiums. Insurance companies use different rating formulas, so classifications vary by insurer.

What company offers the cheapest car insurance in Vermont after a DUI?

Progressive has the cheapest average DUI insurance rates in Vermont at $1,053 annually.

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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What is the cheapest car insurance in Vermont with multiple tickets?

Auto-Owners has the cheapest average rates for drivers with multiple tickets at $1,137 annually or $95 monthly.

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.

This table shows drivers in Vermont how much having multiple tickets can raise their insurance 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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Expert's Insight Two minor tickets can sometimes cost you more on insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in Vermont?

State Farm provides the cheapest average reckless driving insurance rates in Vermont at $1,206 per year.

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

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Vermont?

Nationwide has the cheapest average rates for drivers with poor credit in Vermont at $1,288 annually or $107 monthly.

Your credit score may affect your insurance rates, even though it is unrelated to your driving skills. Insurers often charge higher premiums to drivers with lower credit scores because they are statistically 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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What company has the cheapest car insurance in Vermont after an accident?

State Farm has the cheapest average rates after an accident at $1,302 per year. Nationwide also offers lower-than-average rates at $1,385 annually.

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

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is cheapest for high-risk car insurance in Vermont?

South Burlington has the cheapest average high-risk insurance premiums in Vermont at $2,050 annually. Meanwhile, Jeffersonville has the highest average rates at $2,212 per year.

Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.

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 can high-risk drivers lower their car insurance rates in Vermont?

Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in Vermont, including shopping around, taking a defensive driving course and avoiding further infractions.

You may be able to save money by:

Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.

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 Vermontdepends 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.

What are Vermont's insurance requirements for high-risk drivers?

If you're a high-risk driver in Vermont, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies 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:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Vermont

Can high-risk drivers get full coverage car insurance in Vermont?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Vermont?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.