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Finding the cheapest car insurance quotes in Cavendish shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Cavendish
The car insurance rate in Cavendish is $625 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $374, making it a popular choice for budget-conscious drivers. Rates in Cavendish 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.
At $374 for a six
month policy, Union Mutual offers
the cheapest
auto
insurance rates in the city.
2nd place: Vermont Mutual
Vermont Mutual offers auto
insurance rates at $457 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $463
for six months, making it
the third cheapest auto insurance company in Cavendish.
Cavendish Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cavendish, VT is Union Mutual, offering policies at just $374 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $457.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $903 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cavendish drivers find the best deals.
Way's key takeaways about car insurance in Cavendish
The auto insurance costs in Cavendish fall around $374 for six
months.
The cheapest auto insurance company in Cavendish is Union Mutual.
Teen drivers pay the highest rate in Cavendish at $456 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cavendish
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 Cavendish are given below.
Union Mutual provides
the cheapest minimum car insurance
coverage in Cavendish. Their Average 6 Month Premium is $83.
Concord is the most
expensive at $273 for the same
period.
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 Cavendish is Union Mutual
at $62 per month and $374
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cavendish,
VT
Get Your Car Insurance Quote in Cavendish
Instantly!
Average Car Insurance in Cavendish 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 Cavendish, VT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cavendish, 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, Cavendish's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cavendish
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Cavendish,VT
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Cavendish at $28
per
month. At $2738 for a six-month premium,
CoOp offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Cavendish.
As young drivers face the highest rates in Cavendish, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Cavendish,
Concord Group is
the cheapest car insurance provider. At $238 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
Cavendish is CoOp, offering
rates of around $1752 for six
months.
Save up to $971/yr on car insurance rates in Cavendish.
Car Insurance Rates with An Accident in Cavendish
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 Cavendish, VT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cavendish
The cheapest car insurance companies after an at-fault accident in
Cavendish include Union Mutual
and American Family, offering $83
and $160,
respectively. CoOp is an expensive provider
with an average six-month premium of
$1259.
Here is a list of driving violations that can increase your car
insurance rates in Cavendish VT. For example, the car
insurance in Cavendish
after a DUI increases to $707 for a six
month policy. While the rate increases by $90 for a six-month policy in the case of
a speeding ticket.
Cavendish auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$647
$108
One comp claim
$647
$110
One Med/PIP claim
$647
$108
Two Med/PIP claims
$653
$111
Not-at-fault accident
$659
$110
Two comp claims
$671
$114
At-fault accident - less than $1000
$695
$116
Child safety restraint
$707
$120
Driving without lights
$707
$118
Failure to wear a seat belt
$707
$120
Failure to show documents
$713
$119
Driving with expired registration
$731
$124
Speeding 11 - 15 MPH over limit
$737
$123
Speeding 16 - 20 MPH over limit
$737
$125
Speeding 6 - 10 MPH over limit
$737
$123
Driving too slowly
$743
$126
Speeding in school zone
$743
$124
Wrong way/wrong lane
$743
$126
Failure to stop at a red light
$748
$125
Failure to yield
$748
$127
Following too closely
$748
$125
Illegal turn
$748
$127
Improper passing
$754
$126
Speeding 21 - 25 MPH over limit
$754
$128
Cell phone violation
$808
$135
Texting while driving
$808
$137
In 65 MPH zone
$826
$138
At-fault accident - $1000-$2000
$849
$144
Passing school bus
$849
$142
At-fault accident - greater than $2000
$885
$150
Open container
$903
$150
Operating a vehicle without permission
$962
$164
Racing
$1140
$190
Reckless driving
$1140
$194
Driving with a suspended license
$1295
$216
Refusal to submit to a chemical test
$1342
$228
DUI
$1354
$226
Leaving scene of an accident/hit and run
$1378
$234
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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 Cavendish 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 Cavendish.
The cheapest car insurance premiums in
Cavendish are
offered by American Family at $232 for a six-month policy.
However, it can be as
expensive as $2115 with companies
like CoOp.
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 Cavendish are offered by American Family
at $166. However,
it can be as expensive as $838
with companies like Concord for a similar
six-month premium.
Cheapest Car Insurance in Cavendish after Speeding ticket
Car insurance rates in Cavendish have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cavendish remained steady at $124 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Cavendish remained steady at $29 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Cavendish by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cavendish. At $1250 for a
six-month policy, insuring
your car at 5142 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cavendish?
The car insurance in Cavendish is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Cavendish?
The cheapest car insurance in Cavendish
is $62 per month
for full coverage.
How much is car insurance in Cavendish for teenagers?
Car insurance for teenagers costs $166 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
Cavendish?
The average cost of car insurance is $625 for a six-month
policy. It will cost around $105 per month to insure your
car in Cavendish.
Is car insurance expensive in Cavendish?
Car insurance can be expensive in Cavendish if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cavendish can be
affordable.
What is the best car insurance in Cavendish,
VT?
The best car insurance company in Cavendish
VT is
Union Mutual, offering $374 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cavendish, VT
Car Insurance Rates by State in the USA (2025 Update)
Cavendish Car Insurance
