We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Thetford Center 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 Thetford Center
The car insurance rate in Thetford Center is $638 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 Thetford Center 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.
Cheapest Car Insurance Companies in Thetford Center
1st place: Union Mutual
At $381 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 $466 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $472
for six months, making it
the third cheapest auto insurance company in Thetford Center.
Thetford Center Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Thetford Center, VT is Union Mutual, offering policies at just $381 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $466.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $921 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Thetford Center drivers find the best deals.
Cheap Car Insurance Companies in Thetford Center, VT
Way's key takeaways about car insurance in Thetford Center
The auto insurance costs in Thetford Center fall around $381 for six
months.
The cheapest auto insurance company in Thetford Center is Union Mutual.
Teen drivers pay the highest rate in Thetford Center at $465 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 Thetford Center
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 Thetford Center are given below.
Union Mutual provides
the cheapest minimum car insurance
coverage in Thetford Center. Their Average 6 Month Premium is $85.
Concord is the most
expensive at $278 for the same
period.
Cheapest Liability Coverage in Thetford Center, VT
Cheapest Full Coverage Car Insurance in Thetford Center
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 Thetford Center is Union Mutual
at $63 per month and $381
for six months.
Cheapest Full Coverage Car Insurance Quotes in Thetford Center,
VT
Get Your Car Insurance Quote in Thetford Center
Instantly!
Average Car Insurance in Thetford Center 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 Thetford Center, VT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Thetford Center, 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, Thetford Center's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Thetford Center
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
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Thetford Center,VT
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Thetford Center at $29
per
month. At $2793 for a six-month premium,
CoOp offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Thetford Center.
As young drivers face the highest rates in Thetford Center, 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 Thetford Center,
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
Thetford Center is CoOp, offering
rates of around $1787 for six
months.
Save up to $971/yr on car insurance rates in Thetford Center.
Car Insurance Rates with An Accident in Thetford Center
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 Thetford Center, VT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Thetford Center
The cheapest car insurance companies after an at-fault accident in
Thetford Center include Union Mutual
and American Family, offering $85
and $163,
respectively. CoOp is an expensive provider
with an average six-month premium of
$1284.
Here is a list of driving violations that can increase your car
insurance rates in Thetford Center VT. For example, the car
insurance in Thetford Center
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.
Thetford Center 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
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Thetford Center 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 Thetford Center.
The cheapest car insurance premiums in
Thetford Center are
offered by American Family at $237 for a six-month policy.
However, it can be as
expensive as $2157 with companies
like CoOp.
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 Thetford Center are offered by American Family
at $169. However,
it can be as expensive as $855
with companies like Concord for a similar
six-month premium.
Cheapest Car Insurance in Thetford Center after Speeding ticket
Car Insurance Price Trends in Thetford Center,
Vermont
Car insurance rates in Thetford Center have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Thetford Center remained steady at $126 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Thetford Center remained steady at $30 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Thetford Center 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
Thetford Center. At $1275 for a
six-month policy, insuring
your car at 5075 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Thetford Center?
The car insurance in Thetford Center is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Thetford Center?
The cheapest car insurance in Thetford Center
is $63 per month
for full coverage.
How much is car insurance in Thetford Center 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
Thetford Center?
The average cost of car insurance is $625 for a six-month
policy. It will cost around $107 per month to insure your
car in Thetford Center.
Is car insurance expensive in Thetford Center?
Car insurance can be expensive in Thetford Center if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Thetford Center can be
affordable.
What is the best car insurance in Thetford Center,
VT?
The best car insurance company in Thetford Center
VT is
Union Mutual, offering $381 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Thetford Center right now.
Find Car Insurance Rates in Cities Near Thetford Center, VT
Car Insurance Rates by State in the USA (2025 Update)
Thetford Center Car Insurance
