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Finding the cheapest car insurance quotes in Franklin 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 Franklin
The car insurance rate in Franklin is $626 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 Franklin 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 $363 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 $478 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $478
for six months, making it
the third cheapest auto insurance company in Franklin.
Franklin Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Franklin, VT is Union Mutual, offering policies at just $363 for a six-month term. This is followed by CoOp, which has an average six-month premium of $478.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1043 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Franklin drivers find the best deals.
Way's key takeaways about car insurance in Franklin
The auto insurance costs in Franklin fall around $363 for six
months.
The cheapest auto insurance company in Franklin is Union Mutual.
Teen drivers pay the highest rate in Franklin at $408 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 Franklin
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 Franklin are given below.
Union Mutual provides
the cheapest minimum car insurance
coverage in Franklin. Their Average 6 Month Premium is $81.
Nationwide is the most
expensive at $311 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 Franklin is Union Mutual
at $60 per month and $363
for six months.
Cheapest Full Coverage Car Insurance Quotes in Franklin,
VT
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Instantly!
Average Car Insurance in Franklin 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 Franklin, VT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Franklin, 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, Franklin's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Franklin
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
Franklin,VT
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Franklin at $27
per
month. At $2426 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Franklin.
As young drivers face the highest rates in Franklin, 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 Franklin,
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
Franklin is State Farm, offering
rates of around $1890 for six
months.
Save up to $971/yr on car insurance rates in Franklin.
Car Insurance Rates with An Accident in Franklin
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 Franklin, VT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Franklin
The cheapest car insurance companies after an at-fault accident in
Franklin include Union Mutual
and American Family, offering $81
and $155,
respectively. Concord is an expensive provider
with an average six-month premium of
$1250.
Here is a list of driving violations that can increase your car
insurance rates in Franklin VT. For example, the car
insurance in Franklin
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.
Franklin 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 Franklin 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 Franklin.
The cheapest car insurance premiums in
Franklin are
offered by American Family at $225 for a six-month policy.
However, it can be as
expensive as $2034 with companies
like Vermont Mutual.
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 Franklin are offered by American Family
at $161. However,
it can be as expensive as $1411
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Franklin after Speeding ticket
Car insurance rates in Franklin have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Franklin remained steady at $136 in both February and January, indicating no change over the two month period.
The average cost of liability insurance in the Franklin remained steady at $30 in both February and January, indicating no change over the two month period.
Average Car Insurance Cost in Franklin 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
Franklin. At $1251 for a
six-month policy, insuring
your car at 5457 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 Franklin?
The car insurance in Franklin is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Franklin?
The cheapest car insurance in Franklin
is $60 per month
for full coverage.
How much is car insurance in Franklin 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
Franklin?
The average cost of car insurance is $645 for a six-month
policy. It will cost around $105 per month to insure your
car in Franklin.
Is car insurance expensive in Franklin?
Car insurance can be expensive in Franklin if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Franklin can be
affordable.
What is the best car insurance in Franklin,
VT?
The best car insurance company in Franklin
VT is
Union Mutual, offering $363 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Franklin, VT
Car Insurance Rates by State in the USA (2025 Update)
Franklin Car Insurance
