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Cheap Car Insurance Rutland, VT

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Key takeaways

  • Average annual car insurance rates in Rutland, Vermont is $1404.
  • Allstate provides the cheapest car insurance coverage in Rutland.
  • Save upto $971 per year on car insurance through Way.com

How much does car insurance cost in Rutland?

Full coverage costs an average of $1404 per year in Vermont, while minimum coverage costs $489. A driver's car's make and model aren't the only things that affect how much they pay for auto insurance. Age, driving history, zip code, and the company they choose seem to be the most important.

Rutland rates vs Vermont vs National Averages

Vermont (annual) Missouri (Annual) United States Average
$1404 $1282 $1557

Rutland Auto Insurance Premiums by Company

The average cost of car insurance in Vermont will differ from city to city and insurance company to insurance company. Way.com looked at the most recent Rutland VT insurance rates to find the cheapest quotes in the area.

The price of car insurance can vary from one insurance company to another. That's because each insurance company puts a different amount of weight on things like your driving record and credit score. So even though the following car insurance companies have, on average, the cheapest premiums in Rutland, you should always compare quotes.

Use Way.com to find the best price for you right now.

Company Average Annual Rate
Allstate $684
State Farm $1044
Travelers $1404
Liberty Mutual $1692

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Rutland Auto Insurance Premiums by Age group

At $286 per month, it will be hard for young adults in their 20s to pay rent and car insurance. However, your car insurance will cost less if you have more driving experience in Vermont. Because of this, people in their 20s will feel a little better when their price drops by more than $60 per month or $720 per year in their 30s.

When people reach middle age, their rates increase because they buy bigger cars to fit their growing families. It's hard to come close to the state average of $142 in Rutland.

Age tier Average Yearly Rate
20s $1728
30s $1188
60s $1212

Rutland Auto Insurance Premiums by Gender

In Rutland, Vermont, the average cost of car insurance for a woman driver is $1,131 per year. Way.com looked at rates for 2022 and found that male drivers pay $1191 per year, which is $60 more than female drivers pay.

Statistics have shown that women are safer drivers than men. They often pay less for car insurance than men do because they don't get into as many serious accidents.

Gender Average Annual Rate
Female $1131
Male $1191

Rutland Auto Insurance Premiums by Driving Record

Vermont drivers do know that being a safe driver has many benefits. The people who live there don't worry when they're on the road. And insurance companies offer discounts for being a "good driver" or not having an accident. But, unfortunately, if you speed through even one stop sign or red light, the deals could be gone, and your bill could go up by more than $45 per month or $540 per year.

The good news is that after three years of safe driving, tickets and accidents no longer affect insurance rates. However, remember that your policy's price will depend on your driving record.

Incident/Violation Average Yearly Rate
Reckless Driving $1836
Speeding Ticket $1440
Accident $1608
DUI $2847

Rutland Auto Insurance Premiums by Credit Rating

Some Vermonters scratch their heads when trying to figure out how their credit score affects their driving ability. However, the law says that insurance companies can use credit when setting rates. Therefore, those with the best credit will pay the least, which makes sense. So why do people with bad credit pay less than people with average credit?

People with better credit may be able to finance more expensive cars and need more protection for their assets. But $8 a month was all that separated the two.

Credit Score Average Yearly Rate
Fair $1836
Good $1404

What would increase your car insurance rate in Rutland?

Drivers in Rutland can usually expect to pay a little less for car insurance than the national average. This is because Rutland is a small city that doesn't have enough accidents to make rates go up a lot for everyone.

People in Rutland use Way.com and don't have to pay more for car insurance. After answering a few simple questions, you can easily find the policy that best fits your driving needs and budget. You can save time and money by using Way.com.

Auto theft statistics in Rutland

In 2018, 98.04 cars were stolen for every 100,000 people in Rutland, Vermont. This is a 68.42% rise from 2017. In 2017, 58.21 out of every 100,000 people in Rutland, VT, stole a car.

Accidents Statistics in Rutland

As of October 9, 2022, 65 people have died in car accidents in Vermont. Last year, there were 55 at this time, and the average for this date over the past ten years is 49.

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Auto insurance in Rutland

All cars that are driven or parked on Vermont roads must have insurance. You must always have proof of insurance in your car and have it ready when:

  • the law requests proof
  • getting a car's license plate renewed
  • involved in an accident

In Vermont, the following are the minimum requirements for liability insurance on private passenger cars:

  • $25,000 for each person who gets hurt.
  • $50,000 per accident if someone gets hurt.

As a big part of your liability insurance, bodily injury coverage pays for the medical bills of people who are hurt in an accident but are not the policyholder.

Vermont is an "at-fault" state, meaning that the driver who caused the accident must also pay for any damages, either through their car insurance or out of their pocket.

$10,000 per accident for property damage

If an accident happens and it turns out that an insured driver was at fault, this coverage pays to fix the other people's cars. Property damage coverage can also pay legal fees if the accident leads to a lawsuit against the insured driver.

  • $50,000 per person for bodily injury caused by an uninsured or underinsured driver
  • $100,000 per accident for bodily injury caused by an uninsured or underinsured driver
  • Property damage caused by uninsured or underinsured drivers will cost $10,000 per accident.

Uninsured and underinsured motorist coverage helps pay for damages caused by a driver with little or no insurance. This coverage is required in Vermont for damages to people and property.

Tips for Driving in Rutland, Vermont

It's not impossible to get around Rutland without a car, but as a small city, it makes sense that public transportation won't be very good. However, fixed bus routes serve part of the area, and ridesharing services like Uber and Lyft are almost always available.

Some people may choose to walk or ride a bike when the weather is nice, but this may not be possible depending on where they need to go.

Driving Conditions in Rutland

Rutland is a beautiful city that feels like a small town, which you can almost always feel when driving there. You won't have to deal with traffic jams very often, but if it rains, you might have to deal with some stressful driving. Because snow and ice make driving dangerous, having the right car insurance is important here.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQ

Is car insurance expensive in Rutland?

Full coverage costs an average of $1404 per year in Vermont, while minimum coverage costs $489. When compared to the national average, the insurance rates are lower in Rutland, Vermont.

How much is car insurance in Rutland?

Full coverage costs an average of $1404 per year in Vermont, while minimum coverage costs $489.

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Learn more by city and state for car insurance




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