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Finding the cheapest car insurance quotes in Fair Haven 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 Fair Haven
The car insurance rate in Fair Haven is $619 for a six-month policy, which is $6 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $370, making it a popular choice for budget-conscious drivers. Rates in Fair Haven 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 $370 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 $452 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $458
for six months, making it
the third cheapest auto insurance company in Fair Haven.
Fair Haven Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Fair Haven, VT is Union Mutual, offering policies at just $370 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $452.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $894 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fair Haven drivers find the best deals.
Way's key takeaways about car insurance in Fair Haven
The auto insurance costs in Fair Haven fall around $370 for six
months.
The cheapest auto insurance company in Fair Haven is Union Mutual.
Teen drivers pay the highest rate in Fair Haven at $451 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 Fair Haven
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 Fair Haven are given below.
Union Mutual provides
the cheapest minimum car insurance
coverage in Fair Haven. Their Average 6 Month Premium is $82.
Concord is the most
expensive at $270 for the same
period.
Cheapest Full Coverage Car Insurance in Fair Haven
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 Fair Haven is Union Mutual
at $61 per month and $370
for six months.
Cheapest Full Coverage Car Insurance Quotes in Fair Haven,
VT
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Average Car Insurance in Fair Haven 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 Fair Haven, VT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Fair Haven, 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, Fair Haven's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Fair Haven
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
Fair Haven,VT
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Fair Haven at $28
per
month. At $2711 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 Fair Haven.
As young drivers face the highest rates in Fair Haven, 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 Fair Haven,
Concord Group is
the cheapest car insurance provider. At $236 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
Fair Haven is CoOp, offering
rates of around $1734 for six
months.
Save up to $971/yr on car insurance rates in Fair Haven.
Car Insurance Rates with An Accident in Fair Haven
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 Fair Haven, VT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Fair Haven
The cheapest car insurance companies after an at-fault accident in
Fair Haven include Union Mutual
and American Family, offering $82
and $158,
respectively. CoOp is an expensive provider
with an average six-month premium of
$1246.
Here is a list of driving violations that can increase your car
insurance rates in Fair Haven VT. For example, the car
insurance in Fair Haven
after a DUI increases to $699 for a six
month policy. While the rate increases by $89 for a six-month policy in the case of
a speeding ticket.
Fair Haven auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$641
$107
One comp claim
$641
$109
One Med/PIP claim
$641
$107
Two Med/PIP claims
$646
$110
Not-at-fault accident
$652
$109
Two comp claims
$664
$113
At-fault accident - less than $1000
$688
$115
Child safety restraint
$700
$119
Driving without lights
$700
$117
Failure to wear a seat belt
$700
$119
Failure to show documents
$706
$118
Driving with expired registration
$724
$123
Speeding 11 - 15 MPH over limit
$730
$122
Speeding 16 - 20 MPH over limit
$730
$124
Speeding 6 - 10 MPH over limit
$730
$122
Driving too slowly
$736
$125
Speeding in school zone
$736
$123
Wrong way/wrong lane
$736
$125
Failure to stop at a red light
$741
$124
Failure to yield
$741
$126
Following too closely
$741
$124
Illegal turn
$741
$126
Improper passing
$746
$125
Speeding 21 - 25 MPH over limit
$746
$127
Cell phone violation
$800
$134
Texting while driving
$800
$136
In 65 MPH zone
$818
$137
At-fault accident - $1000-$2000
$841
$143
Passing school bus
$841
$141
At-fault accident - greater than $2000
$876
$149
Open container
$894
$149
Operating a vehicle without permission
$952
$162
Racing
$1129
$188
Reckless driving
$1129
$192
Driving with a suspended license
$1282
$214
Refusal to submit to a chemical test
$1329
$226
DUI
$1340
$224
Leaving scene of an accident/hit and run
$1364
$232
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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 Fair Haven 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 Fair Haven.
The cheapest car insurance premiums in
Fair Haven are
offered by American Family at $230 for a six-month policy.
However, it can be as
expensive as $2094 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 Fair Haven are offered by American Family
at $164. However,
it can be as expensive as $830
with companies like Concord for a similar
six-month premium.
Cheapest Car Insurance in Fair Haven after Speeding ticket
Car insurance rates in Fair Haven have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Fair Haven remained steady at $123 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Fair Haven remained steady at $29 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Fair Haven 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
Fair Haven. At $1237 for a
six-month policy, insuring
your car at 5743 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 Fair Haven?
The car insurance in Fair Haven is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Fair Haven?
The cheapest car insurance in Fair Haven
is $61 per month
for full coverage.
How much is car insurance in Fair Haven for teenagers?
Car insurance for teenagers costs $164 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
Fair Haven?
The average cost of car insurance is $625 for a six-month
policy. It will cost around $104 per month to insure your
car in Fair Haven.
Is car insurance expensive in Fair Haven?
Car insurance can be expensive in Fair Haven if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Fair Haven can be
affordable.
What is the best car insurance in Fair Haven,
VT?
The best car insurance company in Fair Haven
VT is
Union Mutual, offering $370 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Fair Haven, VT
Car Insurance Rates by State in the USA (2025 Update)
Fair Haven Car Insurance
