Cheapest Car Insurance Quotes in Jeffersonville

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Jeffersonville 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 Jeffersonville

The car insurance rate in Jeffersonville is $658 for a six-month policy, which is $13 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $381, making it a popular choice for budget-conscious drivers. Rates in Jeffersonville 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 Jeffersonville

$658

Avg. Car Insurance in Vermont

$645

National Average

$1278

Cheapest Car Insurance Companies in Jeffersonville

1st place: Union Mutual

At $381 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 $503 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $503 for six months, making it the third cheapest auto insurance company in Jeffersonville.

Jeffersonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jeffersonville, VT is Union Mutual, offering policies at just $381 for a six-month term. This is followed by CoOp, which has an average six-month premium of $503.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1097 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jeffersonville drivers find the best deals.

Cheap Car Insurance Companies in Jeffersonville, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$381	$63
Co-Op	$503	$86
USAA	$503	$85
Vermont Mutual	$540	$91
State Farm	$575	$97
Concord Group	$691	$117
Progressive	$691	$116
Nationwide	$733	$123
Concord	$866	$145
Allstate	$1097	$185

Key Takeaways

Way's key takeaways about car insurance in Jeffersonville

The auto insurance costs in Jeffersonville fall around $381 for six months.
The cheapest auto insurance company in Jeffersonville is Union Mutual.
Teen drivers pay the highest rate in Jeffersonville at $429 per month.

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Cheapest Minimum Liability Car Insurance in Jeffersonville

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 Jeffersonville are given below.

Union Mutual provides the cheapest minimum car insurance coverage in Jeffersonville. Their Average 6 Month Premium is $85. Nationwide is the most expensive at $327 for the same period.

Cheapest Liability Coverage in Jeffersonville, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$85	$14
Co-Op	$115	$19
USAA	$128	$21
American Family	$134	$22
State Farm	$152	$26
Auto-Owners	$157	$27
Vermont Mutual	$188	$32
Allstate	$206	$35
Concord Group	$224	$38
Progressive	$243	$41
Concord	$291	$49
Nationwide	$327	$55

Cheapest Full Coverage Car Insurance in Jeffersonville

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 Jeffersonville is Union Mutual at $63 per month and $381 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jeffersonville, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$381	$63
Co-Op	$503	$86
USAA	$503	$85
Vermont Mutual	$540	$91
State Farm	$575	$97
Concord Group	$691	$117
Progressive	$691	$116
Nationwide	$733	$123
Concord	$866	$145
Allstate	$1097	$185

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Average Car Insurance in Jeffersonville 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 Jeffersonville, VT increasing?

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

Car Insurance Premiums by Age in Jeffersonville

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 Jeffersonville,VT

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Jeffersonville at $29 per month. At $2551 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$169	$29
Auto-Owners	$212	$36
USAA	$903	$152
Vermont Mutual	$981	$165
Co-Op	$987	$168
State Farm	$1036	$174
Concord Group	$1375	$234
Progressive	$1478	$249
Allstate	$1551	$261
Concord	$1605	$267
Nationwide	$2551	$429

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 Jeffersonville, Concord Group is the cheapest car insurance provider. At $243 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 Jeffersonville is State Farm, offering rates of around $1987 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$243	$41
American Family	$278	$47
Nationwide	$812	$137
Allstate	$981	$165
USAA	$1000	$170
Co-Op	$1018	$169
Vermont Mutual	$1084	$183
Progressive	$1290	$215
Concord	$1545	$263
State Farm	$1987	$332

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Car Insurance Rates with An Accident in Jeffersonville

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

Cheapest Car Insurance Companies after an At-Fault Accident in Jeffersonville

The cheapest car insurance companies after an at-fault accident in Jeffersonville include Union Mutual and American Family, offering $85 and $163, respectively. Concord is an expensive provider with an average six-month premium of $1315.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$85	$14
American Family	$163	$28
Auto-Owners	$224	$38
State Farm	$375	$63
USAA	$412	$69
Vermont Mutual	$515	$87
Co-Op	$672	$112
Allstate	$769	$130
Concord Group	$1066	$177
Progressive	$1066	$180
Nationwide	$1272	$214
Concord	$1315	$223

Jeffersonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jeffersonville VT. For example, the car insurance in Jeffersonville after a DUI increases to $721 for a six month policy. While the rate increases by $92 for a six-month policy in the case of a speeding ticket.

Jeffersonville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$660	$110
One comp claim	$660	$112
One Med/PIP claim	$660	$110
Two Med/PIP claims	$666	$113
Not-at-fault accident	$672	$112
Two comp claims	$684	$116
At-fault accident - less than $1000	$709	$118
Child safety restraint	$721	$122
Driving without lights	$721	$120
Failure to wear a seat belt	$721	$122
Failure to show documents	$727	$121
Driving with expired registration	$746	$126
Speeding 11 - 15 MPH over limit	$752	$125
Speeding 16 - 20 MPH over limit	$752	$128
Speeding 6 - 10 MPH over limit	$752	$125
Driving too slowly	$758	$129
Speeding in school zone	$758	$126
Wrong way/wrong lane	$758	$129
Failure to stop at a red light	$763	$128
Failure to yield	$763	$130
Following too closely	$763	$128
Illegal turn	$763	$130
Improper passing	$769	$129
Speeding 21 - 25 MPH over limit	$769	$131
Cell phone violation	$824	$138
Texting while driving	$824	$140
In 65 MPH zone	$843	$141
At-fault accident - $1000-$2000	$866	$147
Passing school bus	$866	$145
At-fault accident - greater than $2000	$903	$153
Open container	$921	$153
Operating a vehicle without permission	$981	$167
Racing	$1163	$194
Reckless driving	$1163	$198
Driving with a suspended license	$1321	$220
Refusal to submit to a chemical test	$1369	$233
DUI	$1381	$231
Leaving scene of an accident/hit and run	$1406	$239

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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 Jeffersonville 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 Jeffersonville.

The cheapest car insurance premiums in Jeffersonville are offered by American Family at $237 for a six-month policy. However, it can be as expensive as $2139 with companies like Vermont Mutual.

Jeffersonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$237	$40
Auto-Owners	$254	$43
Progressive	$509	$86
State Farm	$569	$96
USAA	$721	$121
Concord Group	$727	$122
Co-Op	$733	$122
Allstate	$824	$139
Concord	$1472	$246
Nationwide	$1661	$279
Vermont Mutual	$2139	$360

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 Jeffersonville are offered by American Family at $169. However, it can be as expensive as $1484 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Jeffersonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$169	$29
Co-Op	$357	$61
State Farm	$375	$63
Vermont Mutual	$394	$66
Allstate	$552	$93
USAA	$684	$116
Progressive	$860	$144
Concord	$903	$153
Nationwide	$1484	$248

Car Insurance Price Trends in Jeffersonville, Vermont

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

The average cost of full coverage in the Jeffersonville remained steady at $143 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Jeffersonville remained steady at $32 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Jeffersonville?

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

What is the cheapest car insurance in Jeffersonville?

The cheapest car insurance in Jeffersonville is $63 per month for full coverage.

How much is car insurance in Jeffersonville for teenagers?

Car insurance for teenagers costs $169 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 Jeffersonville?

The average cost of car insurance is $645 for a six-month policy. It will cost around $110 per month to insure your car in Jeffersonville.

Is car insurance expensive in Jeffersonville?

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

What is the best car insurance in Jeffersonville, VT?

The best car insurance company in Jeffersonville VT is Union Mutual, offering $381 for a six-month policy.