How Much are Car Insurance Quotes for Drivers with Accidents in Vermont?

How Much are Car Insurance Quotes for Drivers with Accidents in Vermont?

Figuring out which companies offer the best auto insurance rates for drivers with accidents involves a bit more work in order to find the best price. Every auto insurer has a unique formula to set policy rates, so we need to take a look at the most competitive auto insurance companies in Vermont.

It’s important to know that Vermont auto insurance rates are impacted by many factors that may substantially change the price you pay. Simply having another birthday, having a teen driver, or getting caught speeding may cause policy rate changes that can now make some companies more affordable than the competition.

Best Auto Insurance Prices for Accident Prone Drivers

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Safeco normally has some of the best car insurance rates in Vermont at around $481 per year. California Casualty, USAA, The Hartford, and Unitrin also rank well as some of the most economical Vermont auto insurance companies.

As the rates illustrate above, if you have coverage with The Hartford and switched to Safeco, you might realize an annual savings of roughly $158. Policyholders with Unitrin might save as much as $236 a year, and Travelers insureds might see rate reductions of $255 a year.

To find out how your current rates compare, click here to start a quote or visit any of the low-priced companies below.

It’s important to note that these estimates are averages across all drivers and vehicles in Vermont and and are not calculated with a rate surcharge for drivers with accidents. So the car insurance company that has the cheapest rates for you may not even be included in the above rate chart. That illustrates why you need to get car insurance quotes using your own personal information and vehicle type.

The model of vehicle you are insuring is probably the biggest factor when looking for affordable insurance for drivers with accidents. Vehicles with economical engines, an excellent safety record, or a low likelihood of liability claims will cost quite a bit less to insure than high performance models. The information below estimates car insurance rates for some of the cheapest vehicles to insure in Vermont.

Auto Insurance Rates for Popular Cars in Vermont
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $1,624 $812 $135
Ford Fusion SEL 4-Dr Sedan $1,624 $812 $135
Honda Accord LX-P 4-Dr Sedan $1,288 $644 $107
Honda Civic DX 2-Dr Coupe $1,824 $912 $152
Hyundai Elantra GLS 4-Dr Sedan $1,606 $803 $134
Hyundai Sonata SE 4-Dr Sedan $1,730 $865 $144
Toyota Camry XLE $1,606 $803 $134
Toyota Corolla XLE $1,606 $803 $134
Volkswagen Jetta 2.0T 4-Dr Sedan $1,624 $812 $135
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Data assumes married male driver age 40, no 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 your specific Vermont location which can lower or raise coverage rates considerably.

Auto Insurance Rates for Popular SUVs and Crossovers in Vermont
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Buick Enclave XL AWD $1,640 $820 $137
Chevrolet Suburban LTZ 2WD $1,624 $812 $135
Chevrolet Traverse LT AWD $1,402 $701 $117
Ford Escape Limited 4WD $1,384 $692 $115
Ford Explorer Eddie Bauer AWD $1,546 $773 $129
GMC Acadia SL AWD $1,450 $725 $121
Honda CR-V EX 2WD $1,288 $644 $107
Honda Pilot EX-L 2WD $1,546 $773 $129
Jeep Grand Cherokee Laredo 2WD $1,528 $764 $127
Jeep Patriot Limited 4WD $1,528 $764 $127
Nissan Pathfinder S 2WD $1,432 $716 $119
Toyota 4Runner Limited 4WD $1,496 $748 $125
Toyota Highlander Sport 2WD $1,546 $773 $129
Toyota RAV4 Limited 4WD $1,528 $764 $127
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Data variables include married male driver age 40, no speeding tickets, two at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific zip code location which can influence coverage prices 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 4WD $1,720 $860 $143
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,640 $820 $137
Chevrolet Silverado LS Extended Cab 2WD $1,652 $826 $138
Dodge Ram 2500 Crew Cab SLT 4WD $1,764 $882 $147
Dodge Ram Crew Cab Laramie 2WD $1,764 $882 $147
Ford F-150 Lariat Crew Cab Platinum 2WD $1,624 $812 $135
Ford F-250 XL Super Cab Turbo Diesel 4WD $1,876 $938 $156
GMC Sierra 2500HD SLE Regular Cab 4WD $1,624 $812 $135
GMC Sierra SLT Crew Cab 2WD $1,624 $812 $135
Toyota Tundra Double Cab 4WD $1,670 $835 $139
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Data assumes married male driver age 40, no speeding tickets, two at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Information does not factor in specific zip code location which can revise prices greatly.

One of the many components that impact the cost of insurance is the neighborhood you call home in Vermont. Larger areas like Saint Johnsbury, Manchester Center, and Bellows Falls tend to pay slightly more, whereas areas with less traffic congestion and claims have the luxury of cheap insurance for drivers with accidents in Vermont.

The next table ranks the most costly cities in Vermont for drivers with accidents to buy an auto insurance policy in.

Car insurance prices in Vermont
Rank City Premium Per Year
1 Saint Johnsbury $1,039
2 West Brattleboro $1,035
3 Manchester Center $1,034
4 Brattleboro $1,033
5 Bellows Falls $1,021
6 Northfield $1,017
7 White River Junction $1,016
8 Bristol $1,015
9 Swanton $1,010
10 Springfield $1,008
11 Saint Albans $1,006
12 Vergennes $1,006
13 Newport $1,001
14 Middlebury $990
15 Montpelier $988
16 Barre $986
17 Bennington $981
18 Essex Junction $977
19 Fair Haven $972
20 Burlington $971
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Prices are comparative as the garaging address in Vermont can affect coverage rates greatly.

Do you need full coverage?

Finding cheap insurance for drivers with accidents in Vermont should be important to the majority of people, and one great way to pay lower rates for insurance is to not pay for full coverage. The information below shows the difference between car insurance costs when comparing full coverage to liability only. The premium estimates are based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied.

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If we average the cost for all age groups, physical damage coverage costs $1,128 per year over and above liability coverage. That touches on the question if it’s worth it to buy full coverage. There is no written rule to stop buying full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

There are a few situations where only buying liability is not financially feasible. If you haven’t satisfied your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.

Ending up with a good quality auto insurance provider can be rather challenging considering how many different companies insure vehicles in Vermont. The company information listed below may help you decide which auto insurers to look at when shopping insurance around for drivers with accidents. The ratings below are only made up of large insurance companies, so companies that only write business in Vermont or surrounding areas will not be included in this list.

Top 10 Major Car Insurance Companies Overall in Vermont

  1. The General
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. Farmers Insurance
  7. Safeco Insurance
  8. USAA
  9. GEICO
  10. 21st Century

Ideas for finding economical insurance for drivers with accidents

It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help you buy the cheapest auto insurance.

  • Remain accident-free and save
  • If possible, pay for small claims out-of-pocket
  • Buy your auto and home insurance from the same company and save
  • Safer vehicles cost less to insure
  • Do not get tickets
  • Shop around for cheaper rates regularly

That last piece of advice is certainly valuable, as was noted in the prior information. Prices charged by auto insurers in Vermont can be adjusted at any time, so don’t be afraid to change to a new company if you find a better deal.

Having a favorite company is great, but it’s not a great idea if that faithfulness ends up costing you lots of hard earned cash every month. Now is a great time to shop around and find cheaper car insurance for drivers with accidents.