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Key Takeaways

  • In Burlington, Vermont,you'll need to pay around $1,500 for a year's auto insurance.
  • For regular insurance customers in Burlington, Safeco offers the most affordable rates.
  • People with a clean driving record will pay significantly lower premiums than those with prior offenses in Burlington, similar to other cities.
  • Underinsured motorist coverage in Vermont pays the costs paid by a driver with little or no insurance following a collision.
  • Married and professional individuals typically pay a little less for auto insurance.

Car Insurance for Burlington

Burlington is renowned for its picturesque lakefront combined with traffic, accidents on the QEW, and regrettably, pricier auto insurance prices. Therefore, Burlington residents make it a point to keep their auto insurance rates low.

Given the number of drivers in the area, it's crucial to maintain a high level of alertness at all times. Due to volume, there are more incidents in the neighborhood, which is why the rates are higher than average. Therefore, obtaining Burlington auto insurance is crucial to keep your premiums low.

How Much Does Car Insurance Cost in Burlington?

Burlington (annual average) Vermont (annual average) United States
$1500 $1518 $1557

A year's worth of car insurance typically costs $1,500 in Burlington, Vermont. However, the cost of car insurance in Burlington is higher than the state's average ($1,518) and lower than the $1,557 national average.

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Burlington Auto Insurance Premiums by Company

Company Average Annual Premium
Nationwide $1236
Liberty Mutual $1248
Travelers $1150
Safeco $1128

Having affordable auto insurance quotes is one thing. However, you must be careful to obtain insurance coverage with a reputable company. In Burlington, Safeco provides the lowest prices for regular auto insurance buyers.

Burlington Auto Insurance Premiums by Age Group

Age Group Average Annual Premium
Teens $3408
20s $1932
30s $1500
40s $1428
50s $1322
60s $1092
70s $1536

Finding affordable auto insurance in Burlington is difficult for young drivers, particularly teen drivers. You might want to forego collision and comprehensive coverage on your policy if you're a young driver driving a Junker to save on rates.

Burlington Auto Insurance Premiums by Marital Status

Marital status Average Annual Premium
Single $516
Married $588
Divorced $372
Widowed $432

Generally, married and settled people will pay a little less for auto insurance. This difference is typical because their insurance covers several cars, which frequently results in a discount.

Married drivers often pay less for car insurance than single drivers are no different, with the distinction amounting to almost $6 each month.

Burlingtomonthlyurance Premiums by Gender

Gender Average Annual Premium
Male $444
Female $576

Burlington defies convention even though female drivers pay less for auto insurance coverage than male drivers. For example, male drivers roughly pay $444 in auto insurance annually compared to female drivers' $576 premium.

Burlington Auto Insurance Premiums by Driving Infractions

Violation/ accident history Average Annual Premium
Clean license $1632
Speeding ticket $2184
At fault accident $2376
DUI $3240

You're right if you've heard that having a poor driving record can result in expensive auto insurance. Burlington is no different; people with spotless driving records will pay substantially cheaper premiums than those with prior offenses.

Burlington Auto Insurance Premiums by Credit Rating

Credit Tier Average Annual Premium
Excellent $1524
Good $1824
Average $1980
Poor $3060

Based on their credit score, Vermont drivers can see the approximate rates they pay in this table. As you can see, drivers with good credit typically pay less for insurance than those with poor credit.

Burlington Auto Insurance Premiums by Zip code

Zip code Average Annual Premium
53105 $1057

Perhaps your zip code places you near a busy route with plenty of accidents, or you live in an area where car theft is common.

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How to Get Cheap Auto Insurance in Burlington, Vermont

Let's face it: living in Burlington means paying insurance premiums that are higher than normal. So, saving money on insurance is an excellent strategy to free up money in your budget when taken with an already high cost of living overall.

Unthinkable, you say? In no way! Here are a few easy tips to lower your Burlington, Vermont automobile insurance costs.

Look for discounts

Finding discounts is the one insurance cost-cutting tip that involves some effort on your part. Although all insurance companies give them, they are not all the same, and businesses frequently choose not to promote them directly.

Therefore, it is up to you to look for the greatest offers. Ask your insurance provider by phone about the following discounts:

  • Good driver discounts: Drivers in Burlington are fortunate because state law requires 20% insurance discounts for those with one or fewer points on their licenseand three years of continuous driving without any at-fault incidents that result in injury or death.
  • Telematics discounts: For a Government good driver discount, you must demonstrate a lengthy history of safe driving, but many businesses provide simple-to-win discounts to drivers who use telematics to monitor their driver behavior. For registering, you might be eligible for a discount!
  • Good student discounts: Are you studying full-time in high school or college? Have you got a B or higher? Your insurance provider will likely give you a discount.
  • Bundling discounts: You've heard it before: if you combine your renters' insurance and auto insurance with the same provider, you may be able to save money on both plans.

Auto Insurance in Burlington: Minimum auto insurance requirements in Vermont

In Vermont, passenger cars must have the following minimum liability insurance coverage:

  • $25,000 per person for physical injury
  • $50,000 for each accident involving bodily injury

Bodily injury coverage is a significant component of your liability insurance and pays for the medical expenses of accident victims who are not the policyholder. In Vermont, the driver who caused the collision is responsible for paying for any associated costs. This payment must be either through their auto insurance company or out of pocket.

  • $10,000 for each accident's property damage
  • This coverage would cover damage to other parties' property if an insuring driver were at fault for an accident. Additionally, if the insured property damage coverage may pay the defense fees driver is named as a defendant the property damage coverage may pay the defense fees. bodily injury due to an uninsured or underinsured motorist per person
  • Uninsured/underinsured motorist bodily injury coverage of $100,000 per accident
  • $10,000 per accident for property damage caused by uninsured or underinsured drivers

Uninsured and underinsured motorist coverage manages the expenditures incurred by a driver who has little or no insurance after a collision is covered. This requirement in Vermont covers both personal injury and property damage.

Auto theft statistics in Burlington

Year Auto thefts (per 100000)
2006 44
2007 46
2008 43
2009 32
2015 0
2017 0
2018 13
2019 25

Be prepared for driving in Burlington

Take your time: It's a good idea to allow more time if the weather and roads are less than optimal. Driving slowly and attentively will allow you to maintain a safe distance from the automobile and safely navigate any collecting precipitation.

You'll offer your car more space to stop, which it will require on slick roads if you leave extra distance between you and the car in front of you.

Stop Drinking and Driving: Alcohol-impaired driving daily results in 36 fatalities and approximately 700 injuries. Even if you don't drive after drinking, there are still many things you can take to reduce drunk driving.

A sober ride to and from social events is something you should make sure your friends and family have. If you observe someone in danger, speak out and assist them in finding a safe ride home.

Avoid distractions: Reckless driving is still a major crisis, but putting an end to it only requires a few little changes. To concentrate on driving, modify your routine. For example, put your phone somewhere out of reach.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

What causes auto insurance prices to rise in Burlington, Vermont?

Your credit score and driving history t how much you pay for vehicle insurance. The oldest, safest drivers receive the lowest rates for vehicle insurance, while youngsters are at risk and subject to higher premiums than anybody else.

Where can I get affordable car insurance in Burlington, Vermont?

Those that obtain the most insurance quotations will receive the cheapest auto insurance. Therefore, use Way.com to acquire your free list of rates and a tailored perspective on the Vermont auto insurance market. Additionally, bundling with homeowners or renter's insurance is usually beneficial.

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