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 youll 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?

In Vermont, the average cost of high-risk car insurance is $2,161 per year. However, you may secure coverage from Progressive for as low as $1,290 annually. Even with a problematic driving record or poor credit score, affordable policies are available.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

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

Although many insurance companies provide coverage after a DUI, Progressive offers the most affordable rate at $1,053 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Vermont for drivers with a clean record versus those with a DUI.

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

For drivers with multiple tickets, Auto-Owners offers the lowest premiums, averaging $1,137 per year or $95 per month.

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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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.

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

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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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, 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 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 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 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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.