Featured in
408,850 Policies Sold
Danby Car Insurance
/mo
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.
The car insurance rate in Danby is $651 for a six-month policy, which is $6 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $378, making it a popular choice for budget-conscious drivers. Rates in Danby 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 $378 for a six month policy, Union Mutual offers the cheapest auto insurance rates in the city.
CoOp offers auto insurance rates at $498 for a six-month policy, making it one of the cheapest to insure with.
USAA offers auto insurance rates at $498 for six months, making it the third cheapest auto insurance company in Danby.
Based on our research, the cheapest car insurance company in Danby, VT is Union Mutual, offering policies at just $378 for a six-month term. This is followed by CoOp, which has an average six-month premium of $498.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1086 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Danby drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Union Mutual | $378 | $63 |
| Co-Op | $498 | $85 |
| USAA | $498 | $84 |
| Vermont Mutual | $534 | $90 |
| State Farm | $570 | $96 |
| Concord Group | $684 | $116 |
| Progressive | $684 | $115 |
| Nationwide | $726 | $122 |
| Concord | $857 | $143 |
| Allstate | $1086 | $183 |
Save up to $971/yr with our auto insurance quotes
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 Danby are given below.
Union Mutual provides the cheapest minimum car insurance coverage in Danby. Their Average 6 Month Premium is $84. Nationwide is the most expensive at $324 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Union Mutual | $84 | $14 |
| Co-Op | $114 | $19 |
| USAA | $126 | $21 |
| American Family | $132 | $22 |
| State Farm | $150 | $25 |
| Auto-Owners | $156 | $26 |
| Vermont Mutual | $186 | $31 |
| Allstate | $204 | $34 |
| Concord Group | $222 | $37 |
| Progressive | $240 | $40 |
| Concord | $288 | $48 |
| Nationwide | $324 | $55 |
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 Danby is Union Mutual at $63 per month and $378 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Union Mutual | $378 | $63 |
| Co-Op | $498 | $85 |
| USAA | $498 | $84 |
| Vermont Mutual | $534 | $90 |
| State Farm | $570 | $96 |
| Concord Group | $684 | $116 |
| Progressive | $684 | $115 |
| Nationwide | $726 | $122 |
| Concord | $857 | $143 |
| Allstate | $1086 | $183 |
Get Your Car Insurance Quote in Danby Instantly!
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.
Despite maintaining a clean driving record, your car insurance rates in Danby, 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, Danby's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Danby at $28 per month. At $2526 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $168 | $28 |
| Auto-Owners | $210 | $35 |
| USAA | $894 | $150 |
| Vermont Mutual | $972 | $164 |
| Co-Op | $978 | $167 |
| State Farm | $1026 | $173 |
| Concord Group | $1361 | $231 |
| Progressive | $1463 | $246 |
| Allstate | $1536 | $259 |
| Concord | $1590 | $265 |
| Nationwide | $2526 | $425 |
Teen Car Insurance Rates in VT by Age
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.
For those with poor credit scores in Danby, Concord Group is the cheapest car insurance provider. At $240 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 Danby is State Farm, offering rates of around $1967 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Concord Group | $240 | $40 |
| American Family | $276 | $46 |
| Nationwide | $804 | $135 |
| Allstate | $972 | $164 |
| USAA | $990 | $169 |
| Co-Op | $1008 | $168 |
| Vermont Mutual | $1074 | $181 |
| Progressive | $1278 | $213 |
| Concord | $1530 | $261 |
| State Farm | $1967 | $328 |
Save up to $971/yr on car insurance rates in Danby.
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 Danby, VT, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Danby include Union Mutual and American Family, offering $84 and $162, respectively. Concord is an expensive provider with an average six-month premium of $1302.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Union Mutual | $84 | $14 |
| American Family | $162 | $27 |
| Auto-Owners | $222 | $37 |
| State Farm | $372 | $63 |
| USAA | $408 | $69 |
| Vermont Mutual | $510 | $86 |
| Co-Op | $666 | $111 |
| Allstate | $762 | $128 |
| Concord Group | $1055 | $176 |
| Progressive | $1055 | $178 |
| Nationwide | $1259 | $212 |
| Concord | $1302 | $221 |
Here is a list of driving violations that can increase your car insurance rates in Danby VT. For example, the car insurance in Danby after a DUI increases to $715 for a six month policy. While the rate increases by $91 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $653 | $109 |
| One comp claim | $653 | $111 |
| One Med/PIP claim | $653 | $109 |
| Two Med/PIP claims | $660 | $112 |
| Not-at-fault accident | $666 | $111 |
| Two comp claims | $678 | $115 |
| At-fault accident - less than $1000 | $702 | $117 |
| Child safety restraint | $714 | $121 |
| Driving without lights | $714 | $119 |
| Failure to wear a seat belt | $714 | $121 |
| Failure to show documents | $720 | $120 |
| Driving with expired registration | $738 | $125 |
| Speeding 11 - 15 MPH over limit | $744 | $124 |
| Speeding 16 - 20 MPH over limit | $744 | $126 |
| Speeding 6 - 10 MPH over limit | $744 | $124 |
| Driving too slowly | $750 | $127 |
| Speeding in school zone | $750 | $125 |
| Wrong way/wrong lane | $750 | $127 |
| Failure to stop at a red light | $755 | $126 |
| Failure to yield | $755 | $128 |
| Following too closely | $755 | $126 |
| Illegal turn | $755 | $128 |
| Improper passing | $762 | $127 |
| Speeding 21 - 25 MPH over limit | $762 | $129 |
| Cell phone violation | $816 | $136 |
| Texting while driving | $816 | $138 |
| In 65 MPH zone | $834 | $139 |
| At-fault accident - $1000-$2000 | $857 | $145 |
| Passing school bus | $857 | $143 |
| At-fault accident - greater than $2000 | $894 | $152 |
| Open container | $912 | $152 |
| Operating a vehicle without permission | $972 | $166 |
| Racing | $1151 | $192 |
| Reckless driving | $1151 | $196 |
| Driving with a suspended license | $1308 | $218 |
| Refusal to submit to a chemical test | $1355 | $230 |
| DUI | $1368 | $228 |
| Leaving scene of an accident/hit and run | $1392 | $236 |
Get smarter car insurance rates in minutes today!
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.
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 Danby.
The cheapest car insurance premiums in Danby are offered by American Family at $234 for a six-month policy. However, it can be as expensive as $2118 with companies like Vermont Mutual.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $234 | $39 |
| Auto-Owners | $251 | $42 |
| Progressive | $504 | $85 |
| State Farm | $564 | $95 |
| USAA | $714 | $120 |
| Concord Group | $720 | $121 |
| Co-Op | $726 | $121 |
| Allstate | $816 | $137 |
| Concord | $1457 | $243 |
| Nationwide | $1644 | $277 |
| Vermont Mutual | $2118 | $357 |
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 Danby are offered by American Family at $168. However, it can be as expensive as $1470 with companies like Nationwide for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $168 | $28 |
| Co-Op | $354 | $61 |
| State Farm | $372 | $63 |
| Vermont Mutual | $390 | $66 |
| Allstate | $546 | $92 |
| USAA | $678 | $115 |
| Progressive | $851 | $142 |
| Concord | $894 | $152 |
| Nationwide | $1470 | $245 |
Car insurance rates in Danby have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Danby remained steady at $141 in both February and January, indicating no change over the two month period.
The average cost of liability insurance in the Danby remained steady at $31 in both February and January, indicating no change over the two month period.
How much is car insurance in Danby?
The car insurance in Danby is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Danby?
The cheapest car insurance in Danby is $63 per month for full coverage.
How much is car insurance in Danby for teenagers?
Car insurance for teenagers costs $168 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 Danby?
The average cost of car insurance is $645 for a six-month policy. It will cost around $109 per month to insure your car in Danby.
Is car insurance expensive in Danby?
Car insurance can be expensive in Danby if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Danby can be affordable.
What is the best car insurance in Danby, VT?
The best car insurance company in Danby VT is Union Mutual, offering $378 for a six-month policy.
Cut auto insurance costs in Danby right now.