Cheapest Car Insurance Quotes in Burlington

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Burlington Car Insurance

^$ 13

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in Burlington

The car insurance rate in Burlington is $613 for a six-month policy, which is $32 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $355, making it a popular choice for budget-conscious drivers. Rates in Burlington can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Burlington

$613

Avg. Car Insurance in Vermont

$645

National Average

$1278

Cheapest Car Insurance Companies in Burlington

1st place: Union Mutual

At $355 for a six month policy, Union Mutual offers the cheapest auto insurance rates in the city.

2nd place: CoOp

CoOp offers auto insurance rates at $468 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $468 for six months, making it the third cheapest auto insurance company in Burlington.

Burlington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Burlington, VT is Union Mutual, offering policies at just $355 for a six-month term. This is followed by CoOp, which has an average six-month premium of $468.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1021 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Burlington drivers find the best deals.

Cheap Car Insurance Companies in Burlington, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$355	$59
Co-Op	$468	$80
USAA	$468	$79
Vermont Mutual	$503	$85
State Farm	$536	$90
Concord Group	$643	$109
Progressive	$643	$108
Nationwide	$683	$115
Concord	$807	$135
Allstate	$1021	$172

Key Takeaways

Way's key takeaways about car insurance in Burlington

The auto insurance costs in Burlington fall around $355 for six months.
The cheapest auto insurance company in Burlington is Union Mutual.
Teen drivers pay the highest rate in Burlington at $400 per month.

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Cheapest Minimum Liability Car Insurance in Burlington

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Burlington are given below.

Union Mutual provides the cheapest minimum car insurance coverage in Burlington. Their Average 6 Month Premium is $79. Nationwide is the most expensive at $305 for the same period.

Cheapest Liability Coverage in Burlington, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$79	$13
Co-Op	$107	$18
USAA	$119	$20
American Family	$124	$21
State Farm	$142	$24
Auto-Owners	$146	$25
Vermont Mutual	$175	$29
Allstate	$192	$32
Concord Group	$209	$35
Progressive	$226	$38
Concord	$271	$46
Nationwide	$305	$51

Cheapest Full Coverage Car Insurance in Burlington

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Burlington is Union Mutual at $59 per month and $355 for six months.

Cheapest Full Coverage Car Insurance Quotes in Burlington, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$355	$59
Co-Op	$468	$80
USAA	$468	$79
Vermont Mutual	$503	$85
State Farm	$536	$90
Concord Group	$643	$109
Progressive	$643	$108
Nationwide	$683	$115
Concord	$807	$135
Allstate	$1021	$172

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Average Car Insurance in Burlington by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Burlington, VT increasing?

Despite maintaining a clean driving record, your car insurance rates in Burlington, Vermont, may be increasing due to several external factors. Vermont has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Burlington's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Burlington

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Burlington,VT

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Burlington at $27 per month. At $2376 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$158	$27
Auto-Owners	$198	$33
USAA	$841	$142
Vermont Mutual	$914	$154
Co-Op	$920	$157
State Farm	$965	$162
Concord Group	$1281	$218
Progressive	$1377	$232
Allstate	$1445	$243
Concord	$1495	$249
Nationwide	$2376	$400

Teen Car Insurance Rates in VT by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Burlington, Concord Group is the cheapest car insurance provider. At $226 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Burlington is State Farm, offering rates of around $1851 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$226	$38
American Family	$259	$44
Nationwide	$756	$127
Allstate	$914	$154
USAA	$931	$159
Co-Op	$948	$158
Vermont Mutual	$1010	$170
Progressive	$1202	$200
Concord	$1439	$245
State Farm	$1851	$309

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Car Insurance Rates with An Accident in Burlington

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Burlington, VT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Burlington

The cheapest car insurance companies after an at-fault accident in Burlington include Union Mutual and American Family, offering $79 and $152, respectively. Concord is an expensive provider with an average six-month premium of $1225.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$79	$13
American Family	$152	$26
Auto-Owners	$209	$35
State Farm	$350	$59
USAA	$384	$65
Vermont Mutual	$480	$81
Co-Op	$626	$105
Allstate	$716	$121
Concord Group	$993	$165
Progressive	$993	$167
Nationwide	$1185	$200
Concord	$1225	$208

Burlington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Burlington VT. For example, the car insurance in Burlington after a DUI increases to $671 for a six month policy. While the rate increases by $85 for a six-month policy in the case of a speeding ticket.

Burlington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$615	$103
One comp claim	$615	$105
One Med/PIP claim	$615	$103
Two Med/PIP claims	$620	$105
Not-at-fault accident	$626	$105
Two comp claims	$637	$108
At-fault accident - less than $1000	$660	$110
Child safety restraint	$672	$114
Driving without lights	$672	$112
Failure to wear a seat belt	$672	$114
Failure to show documents	$677	$113
Driving with expired registration	$694	$118
Speeding 11 - 15 MPH over limit	$700	$117
Speeding 16 - 20 MPH over limit	$700	$119
Speeding 6 - 10 MPH over limit	$700	$117
Driving too slowly	$706	$120
Speeding in school zone	$706	$118
Wrong way/wrong lane	$706	$120
Failure to stop at a red light	$711	$119
Failure to yield	$711	$121
Following too closely	$711	$119
Illegal turn	$711	$121
Improper passing	$716	$120
Speeding 21 - 25 MPH over limit	$716	$122
Cell phone violation	$768	$128
Texting while driving	$768	$130
In 65 MPH zone	$785	$131
At-fault accident - $1000-$2000	$807	$137
Passing school bus	$807	$135
At-fault accident - greater than $2000	$841	$143
Open container	$858	$143
Operating a vehicle without permission	$914	$156
Racing	$1083	$181
Reckless driving	$1083	$184
Driving with a suspended license	$1230	$205
Refusal to submit to a chemical test	$1275	$217
DUI	$1286	$215
Leaving scene of an accident/hit and run	$1309	$222

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Burlington after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Burlington.

The cheapest car insurance premiums in Burlington are offered by American Family at $220 for a six-month policy. However, it can be as expensive as $1992 with companies like Vermont Mutual.

Burlington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$220	$37
Auto-Owners	$237	$40
Progressive	$474	$80
State Farm	$530	$89
USAA	$672	$113
Concord Group	$677	$114
Co-Op	$683	$114
Allstate	$768	$129
Concord	$1371	$229
Nationwide	$1547	$260
Vermont Mutual	$1992	$335

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Burlington are offered by American Family at $158. However, it can be as expensive as $1382 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Burlington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$158	$27
Co-Op	$333	$57
State Farm	$350	$59
Vermont Mutual	$367	$62
Allstate	$514	$86
USAA	$637	$108
Progressive	$801	$134
Concord	$841	$143
Nationwide	$1382	$231

Car Insurance Price Trends in Burlington, Vermont

Car insurance rates in Burlington have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Burlington rose by $133 in January compared to $118 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Burlington rose to $29 in January, compared to $28 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Burlington?

The car insurance in Burlington is $13 per month, which is lower than the national average.

What is the cheapest car insurance in Burlington?

The cheapest car insurance in Burlington is $59 per month for full coverage.

How much is car insurance in Burlington for teenagers?

Car insurance for teenagers costs $158 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Burlington?

The average cost of car insurance is $645 for a six-month policy. It will cost around $103 per month to insure your car in Burlington.

Is car insurance expensive in Burlington?

Car insurance can be expensive in Burlington if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Burlington can be affordable.

What is the best car insurance in Burlington, VT?

The best car insurance company in Burlington VT is Union Mutual, offering $355 for a six-month policy.