If you’ve been looking for cheap auto insurance in Vermont, you may have noticed that there are dozens of carriers to choose from, each offering unique discounts for various driver types. To simplify your search for the best car insurance rates, our team compared quotes from nine providers to identify the cheapest options for the following driver categories:
Best Rates For Drivers With No Recent Accidents
It probably seems like a no-brainer that drivers who haven’t caused any accidents tend to pay lower auto insurance rates. But what isn’t so obvious is the fact that cutting your rates by just a few dollars each month can add up to major savings over time. That’s why it pays to get quotes from multiple companies to find the very best deal for your particular driver profile.
Our study indicates that Geico is a good place to start. Progressive also returned affordable rates in our study, so try getting quotes from both to make the most informed choice.
Best Rates For Teen Drivers
We identified Geico as the carrier with the lowest auto insurance rates in Vermont for teen drivers. The motorist in our study was an 18 year old and hadn’t caused any collisions. These premium estimates are based on the minimum required coverage in VT.
Best Rates For Drivers With A DUI
A DUI conviction will cost you money long after your case has finalized. One of the most expensive consequences of a DUI is the uptick in monthly car insurance premiums. If you’ve been convicted of driving under the influence in Vermont, you may be able to get cheap car insurance quotes from Progressive and State Farm.
Best Rates For Senior Drivers
Our senior driver was a 65 year old who drove 4,000 miles per year, which was one-third the annual mileage of the default driver used in other segments of our study. With estimated monthly premiums of $73, State Farm was determined by our Geeks to have the best insurance rates for senior drivers in Vermont.
The vehicle used in our analysis was a 2014 Toyota Corolla. Our default motorist was age 29 and commuted 12,000 annual miles. To estimate the monthly premiums, we averaged the rates for males and females in five Vermont zip codes. The liability limits used for all categories except “teen drivers” were 50/100/25, and we added uninsured motorist coverage with 50/100/25 limits.
How Much Car Insurance Coverage Are Drivers In Vermont Required To Carry?
Vermont law mandates that drivers have auto insurance that would cover:
- $25,000 For Bodily Injury To One Person
- $50,000 For Bodily Injury In One Crash
- $10,000 For Damage To Property
- $50,000 Per Person / $100,000 Per Accident In Un/Underinsured Motorist Bodily Injury Coverage
- $10,000 Per Accident For Property Damage In Accidents Caused By An Un/Underinsured Motorist