Cheapest Car Insurance Quotes in Essex Junction

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Essex Junction Car Insurance

^$ 14

/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 Essex Junction

The car insurance rate in Essex Junction is $606 for a six-month policy, which is $19 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $363, making it a popular choice for budget-conscious drivers. Rates in Essex Junction 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 Essex Junction

$606

Avg. Car Insurance in Vermont

$625

National Average

$1140

Cheapest Car Insurance Companies in Essex Junction

1st place: Union Mutual

At $363 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 $443 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $449 for six months, making it the third cheapest auto insurance company in Essex Junction.

Essex Junction Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Essex Junction, VT is Union Mutual, offering policies at just $363 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $443.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $876 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Essex Junction drivers find the best deals.

Cheap Car Insurance Companies in Essex Junction, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$363	$60
Vermont Mutual	$443	$75
USAA	$449	$76
State Farm	$513	$86
Progressive	$611	$103
Nationwide	$639	$108
Concord Group	$657	$110
Concord	$674	$114
Co-Op	$841	$141
Allstate	$876	$147

Key Takeaways

Way's key takeaways about car insurance in Essex Junction

The auto insurance costs in Essex Junction fall around $363 for six months.
The cheapest auto insurance company in Essex Junction is Union Mutual.
Teen drivers pay the highest rate in Essex Junction at $442 per month.

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Cheapest Minimum Liability Car Insurance in Essex Junction

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 Essex Junction are given below.

Union Mutual provides the cheapest minimum car insurance coverage in Essex Junction. Their Average 6 Month Premium is $81. Concord is the most expensive at $265 for the same period.

Cheapest Liability Coverage in Essex Junction, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$81	$14
USAA	$110	$18
American Family	$127	$21
State Farm	$139	$23
Auto-Owners	$149	$25
Vermont Mutual	$161	$27
Allstate	$196	$33
Progressive	$202	$34
Co-Op	$213	$36
Concord Group	$213	$36
Nationwide	$247	$42
Concord	$265	$45

Cheapest Full Coverage Car Insurance in Essex Junction

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 Essex Junction is Union Mutual at $60 per month and $363 for six months.

Cheapest Full Coverage Car Insurance Quotes in Essex Junction, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$363	$60
Vermont Mutual	$443	$75
USAA	$449	$76
State Farm	$513	$86
Progressive	$611	$103
Nationwide	$639	$108
Concord Group	$657	$110
Concord	$674	$114
Co-Op	$841	$141
Allstate	$876	$147

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Average Car Insurance in Essex Junction 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 Essex Junction, VT increasing?

Despite maintaining a clean driving record, your car insurance rates in Essex Junction, 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, Essex Junction's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Essex Junction

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 Essex Junction,VT

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Essex Junction at $27 per month. At $2656 for a six-month premium, CoOp offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$161	$27
Auto-Owners	$202	$34
USAA	$755	$127
State Farm	$841	$142
Vermont Mutual	$847	$143
Allstate	$1256	$211
Concord	$1279	$213
Progressive	$1285	$216
Concord Group	$1308	$218
Nationwide	$2172	$370
Co-Op	$2656	$442

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 Essex Junction, Concord Group is the cheapest car insurance provider. At $231 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 Essex Junction is CoOp, offering rates of around $1699 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$231	$39
American Family	$265	$45
Nationwide	$271	$46
Allstate	$692	$116
USAA	$692	$117
Vermont Mutual	$766	$129
Progressive	$1014	$173
Concord	$1199	$200
State Farm	$1221	$208
Co-Op	$1699	$283

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Car Insurance Rates with An Accident in Essex Junction

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 Essex Junction, VT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Essex Junction

The cheapest car insurance companies after an at-fault accident in Essex Junction include Union Mutual and American Family, offering $81 and $155, respectively. CoOp is an expensive provider with an average six-month premium of $1221.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$81	$14
American Family	$155	$26
Auto-Owners	$213	$36
State Farm	$311	$52
USAA	$345	$58
Vermont Mutual	$427	$72
Allstate	$599	$101
Nationwide	$911	$155
Progressive	$922	$155
Concord Group	$1014	$173
Concord	$1019	$170
Co-Op	$1221	$208

Essex Junction Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Essex Junction VT. For example, the car insurance in Essex Junction after a DUI increases to $685 for a six month policy. While the rate increases by $87 for a six-month policy in the case of a speeding ticket.

Essex Junction auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$628	$105
One comp claim	$628	$107
One Med/PIP claim	$628	$105
Two Med/PIP claims	$633	$108
Not-at-fault accident	$639	$107
Two comp claims	$651	$111
At-fault accident - less than $1000	$674	$113
Child safety restraint	$686	$116
Driving without lights	$686	$114
Failure to wear a seat belt	$686	$116
Failure to show documents	$692	$115
Driving with expired registration	$709	$120
Speeding 11 - 15 MPH over limit	$715	$119
Speeding 16 - 20 MPH over limit	$715	$121
Speeding 6 - 10 MPH over limit	$715	$119
Driving too slowly	$721	$122
Speeding in school zone	$721	$120
Wrong way/wrong lane	$721	$122
Failure to stop at a red light	$726	$121
Failure to yield	$726	$123
Following too closely	$726	$121
Illegal turn	$726	$123
Improper passing	$731	$122
Speeding 21 - 25 MPH over limit	$731	$124
Cell phone violation	$784	$131
Texting while driving	$784	$133
In 65 MPH zone	$801	$134
At-fault accident - $1000-$2000	$824	$140
Passing school bus	$824	$138
At-fault accident - greater than $2000	$858	$146
Open container	$876	$146
Operating a vehicle without permission	$933	$159
Racing	$1106	$184
Reckless driving	$1106	$188
Driving with a suspended license	$1256	$210
Refusal to submit to a chemical test	$1302	$221
DUI	$1313	$219
Leaving scene of an accident/hit and run	$1337	$227

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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 Essex Junction 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 Essex Junction.

The cheapest car insurance premiums in Essex Junction are offered by American Family at $225 for a six-month policy. However, it can be as expensive as $2052 with companies like CoOp.

Essex Junction car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$225	$38
Auto-Owners	$242	$41
State Farm	$443	$75
Progressive	$449	$76
USAA	$594	$100
Allstate	$674	$113
Concord Group	$692	$116
Concord	$1135	$193
Nationwide	$1170	$195
Vermont Mutual	$1723	$290
Co-Op	$2052	$341

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 Essex Junction are offered by American Family at $161. However, it can be as expensive as $813 with companies like Concord for a similar six-month premium.

Cheapest Car Insurance in Essex Junction after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$161	$27
State Farm	$282	$48
Vermont Mutual	$340	$57
Allstate	$467	$79
USAA	$467	$78
Progressive	$703	$119
Co-Op	$755	$126
Concord	$813	$138

Car Insurance Price Trends in Essex Junction, Vermont

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

The average cost of full coverage in the Essex Junction remained steady at $120 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Essex Junction remained steady at $28 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Essex Junction?

The car insurance in Essex Junction is $14 per month, which is lower than the national average.

What is the cheapest car insurance in Essex Junction?

The cheapest car insurance in Essex Junction is $60 per month for full coverage.

How much is car insurance in Essex Junction for teenagers?

Car insurance for teenagers costs $161 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 Essex Junction?

The average cost of car insurance is $625 for a six-month policy. It will cost around $102 per month to insure your car in Essex Junction.

Is car insurance expensive in Essex Junction?

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

What is the best car insurance in Essex Junction, VT?

The best car insurance company in Essex Junction VT is Union Mutual, offering $363 for a six-month policy.