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, Nationwide are the cheapest options. Progressive has the lowest annual rate at $1,290 per year.

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

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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 a high-risk driver 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.

What company offers the cheapest car insurance in Vermont after 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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What is the 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 a year or $95 a month.

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

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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

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

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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Key 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?

The cheapest Vermont insurer for bad credit is Nationwide, with rates averaging $1,288 per year or $107 per month. The good news is that drivers with bad credit can still get 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

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What company has the cheapest car insurance in Vermont after an accident?

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 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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Key insight

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

Which city has the cheapest car insurance for high-risk drivers in Vermont?

South Burlington has the cheapest car insurance rates in Vermont, averaging $2,050 a year. However, the most expensive city is Jeffersonville, with average insurance rates of $2,212 annually.

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.

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?

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 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's 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.

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: