Car insurance for low-risk drivers in Vermont
Some of the factors contributing to car insurance rates are out of your hands, including your age, location, and gender. But there are a few factors you can control if you're looking for affordable rates.
If you want to find the lowest possible car insurance rates, consider keeping your driving record squeaky clean, your credit score solid, and your monthly mileage low. Auto insurance companies provide premium price cuts to low-risk clients. Exhibiting as little risk as possible behind the wheel — and in everyday life — can result in more affordable rates.
See below example rates from top companies for low-risk customers in Vermont.
Auto insurance rates for drivers with no citations in Vermont
One of the best ways to ensure you pay less for car insurance is to maintain a good driving record. Auto insurance companies view good drivers as less risky customers and in turn, charge them lower premiums. Staying on the good side of the law is a great way to cut your costs.
If you’ve steered clear of violations in recent years, start your insurance search with Unitrin, offering an average annual premium of $821. That comes out to $388less than the average car insurance rate for drivers without citations in Vermont.
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH NO VIOLATIONS IN VERMONT
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Unitrin | $821 |
| Union Mutual Fire Group | $845 |
| Co-Operative Ins Companies | $902 |
| Concord Group | $941 |
| Vermont Mutual | $1,016 |
| GEICO | $1,059 |
| State Farm | $1,161 |
| Nationwide | $1,198 |
Car insurance rates for drivers with high credit scores in Vermont
Car insurance companies reward drivers who have above-average credit. Auto insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.
If you have a "good" credit score (670-739), your best auto insurance option in Vermont could be Unitrin, offering an average annual rate of $821. If your credit score is even better (in the "excellent" range), State Farm could be the best option. State Farm's rates for clients who have credit scores of 800 or better are $103 per year less than the average car insurance rate for drivers with excellent credit in Vermont.
Find below a breakdown of auto insurance rates in Vermont for drivers with good, very good, and excellent credit scores.
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN VERMONT
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Unitrin | $821 |
| Union Mutual Fire Group | $845 |
| Co-Operative Ins Companies | $902 |
| Concord Group | $941 |
| Vermont Mutual | $1,016 |
| GEICO | $1,059 |
| State Farm | $1,161 |
| Nationwide | $1,198 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN VERMONT
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Unitrin | $798 |
| Union Mutual Fire Group | $845 |
| Co-Operative Ins Companies | $849 |
| Concord Group | $892 |
| GEICO | $922 |
| Vermont Mutual | $944 |
| State Farm | $979 |
| Nationwide | $1,150 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN VERMONT
| Insurance Company | Avg. Annual Auto Insurance Rate |
| State Farm | $793 |
| Union Mutual Fire Group | $794 |
| Co-Operative Ins Companies | $796 |
| Unitrin | $798 |
| Concord Group | $848 |
| Vermont Mutual | $870 |
| GEICO | $922 |
| Nationwide | $1,084 |
Car insurance for low-mileage drivers in Vermont
If you drive infrequently, you're less likely to get into a collision. That’s the logic auto insurance companies rely on when assigning lower rates to drivers who use their cars infrequently. If you don't exceed the threshold of 7,500 miles per year, you could save some money on car insurance. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.
If you're a Vermont resident who drives only infrequently, consider Unitrin, which offers average per-year savings of $388 for low-mileage drivers.
AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN VERMONT
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Unitrin | $821 |
| Union Mutual Fire Group | $845 |
| Co-Operative Ins Companies | $902 |
| Concord Group | $925 |
| GEICO | $996 |
| Vermont Mutual | $1,016 |
| State Farm | $1,023 |
| Nationwide | $1,198 |
Car insurance rates for good drivers in Vermont — in major cities
Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Insurance companies rate policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.
Find below a breakdown of car insurance rates for drivers with positive rating factors in the biggest cities in every state.
| City | Avg. Rate — No Incidents | Avg. Rate — Good Credit | Avg. Rate — Very Good Credit | Avg. Rate — Excellent Credit | Avg. Rate — Low Mileage |
| Burlington | $1,117 | $1,117 | $1,021 | $880 | $1,049 |
| South Burlington | $1,124 | $1,124 | $1,027 | $885 | $1,053 |
| Montpelier | $1,163 | $1,163 | $1,064 | $920 | $1,095 |
| Saint Albans | $1,152 | $1,152 | $0 | $913 | $6,014 |
| White River Junction | $1,192 | $1,192 | $1,089 | $940 | $1,113 |
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