Cheapest Car Insurance Quotes in Townshend

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Townshend 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 Townshend

The car insurance rate in Townshend is $613 for a six-month policy, which is $12 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $367, making it a popular choice for budget-conscious drivers. Rates in Townshend 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 Townshend

$613

Avg. Car Insurance in Vermont

$625

National Average

$1140

Cheapest Car Insurance Companies in Townshend

1st place: Union Mutual

At $367 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 $448 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $454 for six months, making it the third cheapest auto insurance company in Townshend.

Townshend Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Townshend, VT is Union Mutual, offering policies at just $367 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $448.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $885 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Townshend drivers find the best deals.

Cheap Car Insurance Companies in Townshend, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$367	$61
Vermont Mutual	$448	$75
USAA	$454	$76
State Farm	$518	$87
Progressive	$617	$104
Nationwide	$646	$109
Concord Group	$663	$111
Concord	$681	$116
Co-Op	$850	$142
Allstate	$885	$149

Key Takeaways

Way's key takeaways about car insurance in Townshend

The auto insurance costs in Townshend fall around $367 for six months.
The cheapest auto insurance company in Townshend is Union Mutual.
Teen drivers pay the highest rate in Townshend at $447 per month.

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Cheapest Minimum Liability Car Insurance in Townshend

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 Townshend are given below.

Union Mutual provides the cheapest minimum car insurance coverage in Townshend. Their Average 6 Month Premium is $81. Concord is the most expensive at $268 for the same period.

Cheapest Liability Coverage in Townshend, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$81	$14
USAA	$111	$19
American Family	$128	$22
State Farm	$140	$24
Auto-Owners	$151	$25
Vermont Mutual	$163	$27
Allstate	$198	$33
Progressive	$204	$34
Co-Op	$216	$36
Concord Group	$216	$36
Nationwide	$250	$42
Concord	$268	$45

Cheapest Full Coverage Car Insurance in Townshend

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 Townshend is Union Mutual at $61 per month and $367 for six months.

Cheapest Full Coverage Car Insurance Quotes in Townshend, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$367	$61
Vermont Mutual	$448	$75
USAA	$454	$76
State Farm	$518	$87
Progressive	$617	$104
Nationwide	$646	$109
Concord Group	$663	$111
Concord	$681	$116
Co-Op	$850	$142
Allstate	$885	$149

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Average Car Insurance in Townshend 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 Townshend, VT increasing?

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

Car Insurance Premiums by Age in Townshend

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 Townshend,VT

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Townshend at $27 per month. At $2683 for a six-month premium, CoOp offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$27
Auto-Owners	$204	$34
USAA	$762	$128
State Farm	$850	$143
Vermont Mutual	$856	$144
Allstate	$1269	$214
Concord	$1293	$216
Progressive	$1299	$219
Concord Group	$1321	$221
Nationwide	$2194	$373
Co-Op	$2683	$447

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 Townshend, Concord Group is the cheapest car insurance provider. At $233 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 Townshend is CoOp, offering rates of around $1717 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$233	$39
American Family	$268	$45
Nationwide	$273	$46
Allstate	$699	$118
USAA	$699	$119
Vermont Mutual	$774	$130
Progressive	$1024	$174
Concord	$1211	$202
State Farm	$1234	$210
Co-Op	$1717	$286

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Car Insurance Rates with An Accident in Townshend

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

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

The cheapest car insurance companies after an at-fault accident in Townshend include Union Mutual and American Family, offering $81 and $157, respectively. CoOp is an expensive provider with an average six-month premium of $1234.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$81	$14
American Family	$157	$26
Auto-Owners	$216	$36
State Farm	$315	$53
USAA	$349	$59
Vermont Mutual	$431	$73
Allstate	$606	$102
Nationwide	$920	$157
Progressive	$931	$157
Concord Group	$1024	$174
Concord	$1030	$172
Co-Op	$1234	$210

Townshend Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Townshend VT. For example, the car insurance in Townshend after a DUI increases to $693 for a six month policy. While the rate increases by $88 for a six-month policy in the case of a speeding ticket.

Townshend auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$634	$106
One comp claim	$634	$108
One Med/PIP claim	$634	$106
Two Med/PIP claims	$640	$109
Not-at-fault accident	$646	$108
Two comp claims	$658	$112
At-fault accident - less than $1000	$681	$114
Child safety restraint	$693	$118
Driving without lights	$693	$116
Failure to wear a seat belt	$693	$118
Failure to show documents	$699	$117
Driving with expired registration	$716	$122
Speeding 11 - 15 MPH over limit	$722	$121
Speeding 16 - 20 MPH over limit	$722	$123
Speeding 6 - 10 MPH over limit	$722	$121
Driving too slowly	$728	$123
Speeding in school zone	$728	$122
Wrong way/wrong lane	$728	$123
Failure to stop at a red light	$733	$123
Failure to yield	$733	$124
Following too closely	$733	$123
Illegal turn	$733	$124
Improper passing	$739	$123
Speeding 21 - 25 MPH over limit	$739	$125
Cell phone violation	$792	$132
Texting while driving	$792	$134
In 65 MPH zone	$809	$135
At-fault accident - $1000-$2000	$832	$141
Passing school bus	$832	$139
At-fault accident - greater than $2000	$867	$147
Open container	$885	$147
Operating a vehicle without permission	$943	$161
Racing	$1117	$186
Reckless driving	$1117	$190
Driving with a suspended license	$1269	$212
Refusal to submit to a chemical test	$1315	$223
DUI	$1327	$221
Leaving scene of an accident/hit and run	$1350	$229

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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 Townshend 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 Townshend.

The cheapest car insurance premiums in Townshend are offered by American Family at $227 for a six-month policy. However, it can be as expensive as $2073 with companies like CoOp.

Townshend car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$227	$38
Auto-Owners	$244	$41
State Farm	$448	$75
Progressive	$454	$76
USAA	$600	$101
Allstate	$681	$115
Concord Group	$699	$118
Concord	$1147	$195
Nationwide	$1182	$197
Vermont Mutual	$1740	$293
Co-Op	$2073	$345

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 Townshend are offered by American Family at $163. However, it can be as expensive as $821 with companies like Concord for a similar six-month premium.

Cheapest Car Insurance in Townshend after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$27
State Farm	$285	$48
Vermont Mutual	$343	$58
Allstate	$471	$79
USAA	$471	$78
Progressive	$711	$121
Co-Op	$762	$127
Concord	$821	$139

Car Insurance Price Trends in Townshend, Vermont

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

The average cost of full coverage in the Townshend remained steady at $122 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Townshend 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 Townshend?

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

What is the cheapest car insurance in Townshend?

The cheapest car insurance in Townshend is $61 per month for full coverage.

How much is car insurance in Townshend for teenagers?

Car insurance for teenagers costs $163 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 Townshend?

The average cost of car insurance is $625 for a six-month policy. It will cost around $103 per month to insure your car in Townshend.

Is car insurance expensive in Townshend?

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

What is the best car insurance in Townshend, VT?

The best car insurance company in Townshend VT is Union Mutual, offering $367 for a six-month policy.