Cheapest Car Insurance Quotes in South Burlington

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South Burlington 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 South Burlington

The car insurance rate in South Burlington is $600 for a six-month policy, which is $45 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $348, making it a popular choice for budget-conscious drivers. Rates in South Burlington 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 South Burlington

$600

Avg. Car Insurance in Vermont

$645

National Average

$1278

Cheapest Car Insurance Companies in South Burlington

1st place: Union Mutual

At $348 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 $458 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 South Burlington.

South Burlington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Burlington, VT is Union Mutual, offering policies at just $348 for a six-month term. This is followed by CoOp, which has an average six-month premium of $458.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1000 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Burlington drivers find the best deals.

Cheap Car Insurance Companies in South Burlington, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$348	$58
Co-Op	$458	$78
USAA	$458	$77
Vermont Mutual	$492	$83
State Farm	$525	$88
Concord Group	$630	$107
Progressive	$630	$106
Nationwide	$669	$113
Concord	$790	$132
Allstate	$1000	$168

Key Takeaways

Way's key takeaways about car insurance in South Burlington

The auto insurance costs in South Burlington fall around $348 for six months.
The cheapest auto insurance company in South Burlington is Union Mutual.
Teen drivers pay the highest rate in South Burlington at $392 per month.

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Cheapest Minimum Liability Car Insurance in South Burlington

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 South Burlington are given below.

Union Mutual provides the cheapest minimum car insurance coverage in South Burlington. Their Average 6 Month Premium is $77. Nationwide is the most expensive at $299 for the same period.

Cheapest Liability Coverage in South Burlington, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$77	$13
Co-Op	$105	$18
USAA	$116	$20
American Family	$122	$20
State Farm	$139	$23
Auto-Owners	$143	$24
Vermont Mutual	$171	$29
Allstate	$188	$32
Concord Group	$205	$34
Progressive	$221	$37
Concord	$265	$45
Nationwide	$299	$50

Cheapest Full Coverage Car Insurance in South Burlington

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 South Burlington is Union Mutual at $58 per month and $348 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Burlington, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$348	$58
Co-Op	$458	$78
USAA	$458	$77
Vermont Mutual	$492	$83
State Farm	$525	$88
Concord Group	$630	$107
Progressive	$630	$106
Nationwide	$669	$113
Concord	$790	$132
Allstate	$1000	$168

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Average Car Insurance in South Burlington 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 South Burlington, VT increasing?

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

Car Insurance Premiums by Age in South Burlington

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 South Burlington,VT

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the South Burlington at $26 per month. At $2326 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$154	$26
Auto-Owners	$193	$33
USAA	$823	$139
Vermont Mutual	$895	$151
Co-Op	$900	$153
State Farm	$945	$159
Concord Group	$1254	$213
Progressive	$1348	$227
Allstate	$1415	$238
Concord	$1464	$244
Nationwide	$2326	$392

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 South Burlington, Concord Group is the cheapest car insurance provider. At $221 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 South Burlington is State Farm, offering rates of around $1812 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$221	$37
American Family	$254	$43
Nationwide	$740	$125
Allstate	$895	$151
USAA	$911	$155
Co-Op	$928	$154
Vermont Mutual	$989	$166
Progressive	$1176	$196
Concord	$1409	$240
State Farm	$1812	$302

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Car Insurance Rates with An Accident in South Burlington

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Burlington

The cheapest car insurance companies after an at-fault accident in South Burlington include Union Mutual and American Family, offering $77 and $149, respectively. Concord is an expensive provider with an average six-month premium of $1199.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$77	$13
American Family	$149	$25
Auto-Owners	$205	$34
State Farm	$342	$58
USAA	$376	$63
Vermont Mutual	$470	$79
Co-Op	$613	$102
Allstate	$701	$118
Concord Group	$972	$162
Progressive	$972	$164
Nationwide	$1160	$195
Concord	$1199	$204

South Burlington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Burlington VT. For example, the car insurance in South Burlington after a DUI increases to $657 for a six month policy. While the rate increases by $83 for a six-month policy in the case of a speeding ticket.

South Burlington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$602	$100
One comp claim	$602	$102
One Med/PIP claim	$602	$100
Two Med/PIP claims	$607	$103
Not-at-fault accident	$613	$102
Two comp claims	$624	$106
At-fault accident - less than $1000	$646	$108
Child safety restraint	$658	$112
Driving without lights	$658	$110
Failure to wear a seat belt	$658	$112
Failure to show documents	$663	$111
Driving with expired registration	$680	$115
Speeding 11 - 15 MPH over limit	$685	$114
Speeding 16 - 20 MPH over limit	$685	$116
Speeding 6 - 10 MPH over limit	$685	$114
Driving too slowly	$691	$117
Speeding in school zone	$691	$115
Wrong way/wrong lane	$691	$117
Failure to stop at a red light	$696	$116
Failure to yield	$696	$118
Following too closely	$696	$116
Illegal turn	$696	$118
Improper passing	$701	$117
Speeding 21 - 25 MPH over limit	$701	$119
Cell phone violation	$751	$126
Texting while driving	$751	$127
In 65 MPH zone	$768	$128
At-fault accident - $1000-$2000	$790	$134
Passing school bus	$790	$132
At-fault accident - greater than $2000	$823	$140
Open container	$840	$140
Operating a vehicle without permission	$895	$153
Racing	$1060	$177
Reckless driving	$1060	$180
Driving with a suspended license	$1204	$201
Refusal to submit to a chemical test	$1248	$212
DUI	$1259	$210
Leaving scene of an accident/hit and run	$1282	$218

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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 South Burlington 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 South Burlington.

The cheapest car insurance premiums in South Burlington are offered by American Family at $216 for a six-month policy. However, it can be as expensive as $1950 with companies like Vermont Mutual.

South Burlington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$216	$36
Auto-Owners	$232	$39
Progressive	$464	$78
State Farm	$519	$87
USAA	$658	$111
Concord Group	$663	$112
Co-Op	$669	$112
Allstate	$751	$126
Concord	$1342	$224
Nationwide	$1514	$255
Vermont Mutual	$1950	$328

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 South Burlington are offered by American Family at $154. However, it can be as expensive as $1353 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in South Burlington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$154	$26
Co-Op	$326	$56
State Farm	$342	$58
Vermont Mutual	$359	$60
Allstate	$503	$85
USAA	$624	$106
Progressive	$784	$131
Concord	$823	$140
Nationwide	$1353	$226

Car Insurance Price Trends in South Burlington, Vermont

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

The average cost of full coverage in the South Burlington remained steady at $130 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the South Burlington remained steady at $29 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 South Burlington?

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

What is the cheapest car insurance in South Burlington?

The cheapest car insurance in South Burlington is $58 per month for full coverage.

How much is car insurance in South Burlington for teenagers?

Car insurance for teenagers costs $154 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 South Burlington?

The average cost of car insurance is $645 for a six-month policy. It will cost around $100 per month to insure your car in South Burlington.

Is car insurance expensive in South Burlington?

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

What is the best car insurance in South Burlington, VT?

The best car insurance company in South Burlington VT is Union Mutual, offering $348 for a six-month policy.