How Much Does Car Insurance Cost for Drivers with a Bad Driving Record in Vermont?

How Much Does Car Insurance Cost for Drivers with a Bad Driving Record in Vermont?

Buying reasonably-priced auto insurance is not most people’s favorite thing to do, and determining which insurers offer the most affordable auto insurance rates for drivers with a bad driving record calls for more quotes for comparison. Coverage rates will most likely be quite a bit pricier than the average rate in Vermont attributed to the potential for more claims that goes along with selling coverage for bad drivers, but reasonable insurance may be available with a little diligence. Every insurance company has a proprietary method to determine premium rates, so we’ll go over the lowest cost auto insurance companies in Vermont.

It’s important to know that Vermont auto insurance rates are impacted by many things which can significantly increase or decrease the price you pay for coverage. This price variation is why drivers need to take the time to shop around to find cheap auto insurance quotes for drivers with a bad driving record. Rates can be determined by many things and change dramatically, so the best price three years ago may now cost much more than other companies.

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Safeco may have some of the most affordable car insurance rates in Vermont at around $481 annually. California Casualty, USAA, The Hartford, and Unitrin are also some of the cheaper Vermont auto insurance companies.

As shown in the table above, if you are currently insured with The Hartford and switched to California Casualty, you could realize annual savings of around $140. Vermont drivers with Unitrin could save as much as $218 a year, and Travelers insureds might realize rate reductions of up to $230 a year.

To discover how much you can save, click here to start your custom quote or visit several of the following companies.

Be aware that those estimates are averages for all ages of drivers and types of vehicles and and are not figured with a price increase for drivers with a bad driving record. So the car insurance company that has the cheapest rates for you may not even be in the rate chart shown above. That is why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

Cost and performance of the vehicle to be insured is probably the most important factor in finding the most affordable coverage for drivers with a bad driving record. Vehicles with lower performance, advanced safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models. The next lists features auto insurance costs for the more afforable automobiles to buy insurance for.

Car Insurance Rates for Popular Cars in Vermont
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $2,478 $1,239 $207
Ford Focus S 4-Dr Sedan $2,326 $1,163 $194
Ford Fusion SE 4-Dr Sedan $2,478 $1,239 $207
Honda Accord LX 4-Dr Sedan $1,984 $992 $165
Honda Civic Hybrid 4-Dr Sedan $2,478 $1,239 $207
Hyundai Elantra SE Touring Station Wagon $2,114 $1,057 $176
Nissan Altima 3.5 SR 4-Dr Sedan $2,478 $1,239 $207
Toyota Corolla XLE $2,456 $1,228 $205
Volkswagen Jetta 2.0T 4-Dr Sedan $2,478 $1,239 $207
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Above prices assume single female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific location information which can revise premiums significantly.

Insurance Rates for Popular SUVs and Crossovers in Vermont
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Traverse LTZ AWD $2,136 $1,068 $178
Ford Escape Limited 2WD $2,008 $1,004 $167
Ford Explorer XLT 2WD $2,244 $1,122 $187
GMC Acadia SLE AWD $2,350 $1,175 $196
Honda CR-V EX-L 4WD $2,008 $1,004 $167
Honda Fit Sport VSA $1,922 $961 $160
Honda Pilot EX-L 4WD $2,372 $1,186 $198
Hyundai Tucson Limited 4WD $2,350 $1,175 $196
Jeep Grand Cherokee Limited 2WD $2,478 $1,239 $207
Jeep Patriot Sport 2WD $2,220 $1,110 $185
Nissan Pathfinder SE 4WD $2,244 $1,122 $187
Toyota 4Runner SR/5 4WD $2,136 $1,068 $178
Toyota Highlander SE 4WD $2,500 $1,250 $208
Toyota RAV4 2WD $2,350 $1,175 $196
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Data variables include single female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Price information does not factor in vehicle location which can decrease or increase rates considerably.

Auto Insurance Rates for Popular Pickup Trucks in Vermont
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LT Crew Cab Diesel 2WD $2,812 $1,406 $234
Chevrolet Silverado LS Regular Cab 4WD $2,220 $1,110 $185
Dodge Ram 2500 Crew Cab Laramie 2WD $2,916 $1,458 $243
Dodge Ram Crew Cab SLT 2WD $2,578 $1,289 $215
Ford F-150 Lariat Crew Cab Platinum 2WD $2,478 $1,239 $207
Ford F-250 XLT Super Cab 4WD $2,898 $1,449 $242
GMC Sierra 2500HD SLE Extended Cab 2WD $2,790 $1,395 $233
GMC Sierra 3500HD SLT Extended Cab 2WD $2,500 $1,250 $208
GMC Sierra SLT Extended Cab 4WD $2,478 $1,239 $207
Toyota Tundra Regular Cab 2WD $2,426 $1,213 $202
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Prices above based on single female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Price information does not factor in zip code location which can raise or lower coverage rates substantially.

When shopping for the cheapest car insurance for bad drivers, one of the many considerations that help determine insurance cost is where you choose to live in Vermont. Areas with a lot of weather claims or more people like Northfield, West Brattleboro, and Bennington are more likely to pay higher prices, whereas areas with less congestion generally have lower rates.

The following table displays the most costly cities in Vermont for drivers with a bad driving record to purchase a policy in.

Where does Vermont rank for car insurance cost?
Rank City Annual Rate
1 Northfield $1,037
2 Bellows Falls $1,031
3 West Brattleboro $1,025
4 Springfield $1,018
5 Bennington $1,011
6 White River Junction $1,006
7 Bristol $1,005
8 Brattleboro $1,003
9 Fair Haven $1,002
10 Newport $1,001
11 Saint Johnsbury $999
12 Manchester Center $994
13 Middlebury $990
14 Montpelier $988
15 Vergennes $986
16 Barre $986
17 Swanton $980
18 Saint Albans $976
19 Rutland $973
20 West Rutland $971
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Rate quotes are estimated as the garaging address in Vermont can modify coverage prices noticeably.

The diagram below shows how different deductible levels can change yearly insurance costs when researching cheap insurance for drivers with a bad driving record. The premiums are based on a married male driver, full coverage, and no discounts are factored in.

The data above shows that a 40-year-old driver could save $232 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $348 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, could reduce their rates as much as $774 or more just by using higher deductibles.

If you do make the decision to raise your deductibles, it is a good idea to have enough spare savings to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.