Cheapest Car Insurance Quotes in Montpelier

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401,895 Policies Sold

Montpelier Car Insurance

^$ 13

/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 Montpelier

The car insurance rate in Montpelier is $600 for a six-month policy, which is $25 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $359, making it a popular choice for budget-conscious drivers. Rates in Montpelier 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 Montpelier

$600

Avg. Car Insurance in Vermont

$625

National Average

$1140

Cheapest Car Insurance Companies in Montpelier

1st place: Union Mutual

At $359 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 $439 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $444 for six months, making it the third cheapest auto insurance company in Montpelier.

Montpelier Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Montpelier, VT is Union Mutual, offering policies at just $359 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $439.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $867 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montpelier drivers find the best deals.

Cheap Car Insurance Companies in Montpelier, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$359	$60
Vermont Mutual	$439	$74
USAA	$444	$75
State Farm	$508	$85
Progressive	$605	$102
Nationwide	$633	$107
Concord Group	$650	$108
Concord	$667	$113
Co-Op	$832	$139
Allstate	$867	$146

Key Takeaways

Way's key takeaways about car insurance in Montpelier

The auto insurance costs in Montpelier fall around $359 for six months.
The cheapest auto insurance company in Montpelier is Union Mutual.
Teen drivers pay the highest rate in Montpelier at $438 per month.

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Cheapest Minimum Liability Car Insurance in Montpelier

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 Montpelier are given below.

Union Mutual provides the cheapest minimum car insurance coverage in Montpelier. Their Average 6 Month Premium is $80. Concord is the most expensive at $262 for the same period.

Cheapest Liability Coverage in Montpelier, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$80	$13
USAA	$108	$18
American Family	$126	$21
State Farm	$137	$23
Auto-Owners	$148	$25
Vermont Mutual	$159	$27
Allstate	$194	$33
Progressive	$200	$34
Co-Op	$211	$36
Concord Group	$211	$36
Nationwide	$245	$41
Concord	$262	$44

Cheapest Full Coverage Car Insurance in Montpelier

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 Montpelier is Union Mutual at $60 per month and $359 for six months.

Cheapest Full Coverage Car Insurance Quotes in Montpelier, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$359	$60
Vermont Mutual	$439	$74
USAA	$444	$75
State Farm	$508	$85
Progressive	$605	$102
Nationwide	$633	$107
Concord Group	$650	$108
Concord	$667	$113
Co-Op	$832	$139
Allstate	$867	$146

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Average Car Insurance in Montpelier 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 Montpelier, VT increasing?

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

Car Insurance Premiums by Age in Montpelier

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 Montpelier,VT

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Montpelier at $27 per month. At $2628 for a six-month premium, CoOp offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$159	$27
Auto-Owners	$200	$34
USAA	$747	$126
State Farm	$832	$140
Vermont Mutual	$838	$141
Allstate	$1243	$209
Concord	$1266	$211
Progressive	$1272	$214
Concord Group	$1294	$216
Nationwide	$2149	$366
Co-Op	$2628	$438

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 Montpelier, Concord Group is the cheapest car insurance provider. At $228 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 Montpelier is CoOp, offering rates of around $1682 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$228	$38
American Family	$262	$44
Nationwide	$268	$45
Allstate	$684	$115
USAA	$684	$116
Vermont Mutual	$758	$128
Progressive	$1003	$171
Concord	$1187	$198
State Farm	$1209	$205
Co-Op	$1682	$280

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Car Insurance Rates with An Accident in Montpelier

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

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

The cheapest car insurance companies after an at-fault accident in Montpelier include Union Mutual and American Family, offering $80 and $154, respectively. CoOp is an expensive provider with an average six-month premium of $1209.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$80	$13
American Family	$154	$26
Auto-Owners	$211	$36
State Farm	$308	$52
USAA	$342	$58
Vermont Mutual	$422	$71
Allstate	$593	$100
Nationwide	$901	$154
Progressive	$912	$154
Concord Group	$1003	$171
Concord	$1009	$168
Co-Op	$1209	$205

Montpelier Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Montpelier VT. For example, the car insurance in Montpelier after a DUI increases to $679 for a six month policy. While the rate increases by $87 for a six-month policy in the case of a speeding ticket.

Montpelier auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$621	$104
One comp claim	$621	$106
One Med/PIP claim	$621	$104
Two Med/PIP claims	$627	$107
Not-at-fault accident	$633	$106
Two comp claims	$644	$109
At-fault accident - less than $1000	$667	$111
Child safety restraint	$679	$115
Driving without lights	$679	$113
Failure to wear a seat belt	$679	$115
Failure to show documents	$684	$114
Driving with expired registration	$702	$119
Speeding 11 - 15 MPH over limit	$708	$118
Speeding 16 - 20 MPH over limit	$708	$120
Speeding 6 - 10 MPH over limit	$708	$118
Driving too slowly	$713	$121
Speeding in school zone	$713	$119
Wrong way/wrong lane	$713	$121
Failure to stop at a red light	$718	$120
Failure to yield	$718	$122
Following too closely	$718	$120
Illegal turn	$718	$122
Improper passing	$724	$121
Speeding 21 - 25 MPH over limit	$724	$123
Cell phone violation	$776	$130
Texting while driving	$776	$132
In 65 MPH zone	$793	$132
At-fault accident - $1000-$2000	$815	$138
Passing school bus	$815	$136
At-fault accident - greater than $2000	$850	$144
Open container	$867	$144
Operating a vehicle without permission	$924	$157
Racing	$1094	$182
Reckless driving	$1094	$186
Driving with a suspended license	$1243	$207
Refusal to submit to a chemical test	$1288	$219
DUI	$1300	$217
Leaving scene of an accident/hit and run	$1323	$225

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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 Montpelier 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 Montpelier.

The cheapest car insurance premiums in Montpelier are offered by American Family at $223 for a six-month policy. However, it can be as expensive as $2030 with companies like CoOp.

Montpelier car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$223	$37
Auto-Owners	$239	$40
State Farm	$439	$74
Progressive	$444	$75
USAA	$588	$99
Allstate	$667	$112
Concord Group	$684	$115
Concord	$1123	$191
Nationwide	$1158	$193
Vermont Mutual	$1705	$287
Co-Op	$2030	$338

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 Montpelier are offered by American Family at $159. However, it can be as expensive as $804 with companies like Concord for a similar six-month premium.

Cheapest Car Insurance in Montpelier after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$159	$27
State Farm	$279	$47
Vermont Mutual	$336	$57
Allstate	$462	$78
USAA	$462	$77
Progressive	$696	$118
Co-Op	$747	$125
Concord	$804	$136

Car Insurance Price Trends in Montpelier, Vermont

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

The average cost of full coverage in the Montpelier remained steady at $119 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Montpelier 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 Montpelier?

The car insurance in Montpelier is $13 per month, which is lower than the national average.

What is the cheapest car insurance in Montpelier?

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

How much is car insurance in Montpelier for teenagers?

Car insurance for teenagers costs $159 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 Montpelier?

The average cost of car insurance is $625 for a six-month policy. It will cost around $101 per month to insure your car in Montpelier.

Is car insurance expensive in Montpelier?

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

What is the best car insurance in Montpelier, VT?

The best car insurance company in Montpelier VT is Union Mutual, offering $359 for a six-month policy.