Cheapest Car Insurance Quotes in Underhill Center

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Underhill Center 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 Underhill Center

The car insurance rate in Underhill Center is $645 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $374, making it a popular choice for budget-conscious drivers. Rates in Underhill 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.

Avg. Car Insurance in Underhill Center

$645

Avg. Car Insurance in Vermont

$645

National Average

$1278

Cheapest Car Insurance Companies in Underhill Center

1st place: Union Mutual

At $374 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 $493 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $493 for six months, making it the third cheapest auto insurance company in Underhill Center.

Underhill Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Underhill Center, VT is Union Mutual, offering policies at just $374 for a six-month term. This is followed by CoOp, which has an average six-month premium of $493.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1075 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Underhill Center drivers find the best deals.

Cheap Car Insurance Companies in Underhill Center, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$374	$62
Co-Op	$493	$84
USAA	$493	$83
Vermont Mutual	$529	$89
State Farm	$564	$95
Concord Group	$677	$115
Progressive	$677	$114
Nationwide	$719	$121
Concord	$849	$142
Allstate	$1075	$181

Key Takeaways

Way's key takeaways about car insurance in Underhill Center

The auto insurance costs in Underhill Center fall around $374 for six months.
The cheapest auto insurance company in Underhill Center is Union Mutual.
Teen drivers pay the highest rate in Underhill Center at $421 per month.

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Cheapest Minimum Liability Car Insurance in Underhill 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 Underhill Center are given below.

Union Mutual provides the cheapest minimum car insurance coverage in Underhill Center. Their Average 6 Month Premium is $83. Nationwide is the most expensive at $321 for the same period.

Cheapest Liability Coverage in Underhill Center, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$83	$14
Co-Op	$113	$19
USAA	$125	$21
American Family	$131	$22
State Farm	$149	$25
Auto-Owners	$154	$26
Vermont Mutual	$184	$31
Allstate	$202	$34
Concord Group	$220	$37
Progressive	$238	$40
Concord	$285	$48
Nationwide	$321	$54

Cheapest Full Coverage Car Insurance in Underhill 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 Underhill Center is Union Mutual at $62 per month and $374 for six months.

Cheapest Full Coverage Car Insurance Quotes in Underhill Center, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$374	$62
Co-Op	$493	$84
USAA	$493	$83
Vermont Mutual	$529	$89
State Farm	$564	$95
Concord Group	$677	$115
Progressive	$677	$114
Nationwide	$719	$121
Concord	$849	$142
Allstate	$1075	$181

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Average Car Insurance in Underhill 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 Underhill Center, VT increasing?

Despite maintaining a clean driving record, your car insurance rates in Underhill 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, Underhill 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 Underhill 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

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Cheapest Car Insurance Rates for Teen Drivers in Underhill 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 Underhill Center at $28 per month. At $2501 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$166	$28
Auto-Owners	$208	$35
USAA	$885	$149
Vermont Mutual	$962	$162
Co-Op	$968	$165
State Farm	$1016	$171
Concord Group	$1348	$229
Progressive	$1449	$244
Allstate	$1521	$256
Concord	$1574	$262
Nationwide	$2501	$421

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 Underhill Center, Concord Group is the cheapest car insurance provider. At $238 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 Underhill Center is State Farm, offering rates of around $1948 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$238	$40
American Family	$273	$46
Nationwide	$796	$134
Allstate	$962	$162
USAA	$980	$167
Co-Op	$998	$166
Vermont Mutual	$1063	$179
Progressive	$1265	$211
Concord	$1515	$258
State Farm	$1948	$325

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Car Insurance Rates with An Accident in Underhill 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 Underhill Center, VT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Underhill Center

The cheapest car insurance companies after an at-fault accident in Underhill Center include Union Mutual and American Family, offering $83 and $160, respectively. Concord is an expensive provider with an average six-month premium of $1289.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$83	$14
American Family	$160	$27
Auto-Owners	$220	$37
State Farm	$368	$62
USAA	$404	$68
Vermont Mutual	$505	$85
Co-Op	$659	$110
Allstate	$754	$127
Concord Group	$1045	$174
Progressive	$1045	$176
Nationwide	$1247	$210
Concord	$1289	$219

Underhill Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Underhill Center VT. For example, the car insurance in Underhill Center after a DUI increases to $707 for a six month policy. While the rate increases by $90 for a six-month policy in the case of a speeding ticket.

Underhill Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$647	$108
One comp claim	$647	$110
One Med/PIP claim	$647	$108
Two Med/PIP claims	$653	$111
Not-at-fault accident	$659	$110
Two comp claims	$671	$114
At-fault accident - less than $1000	$695	$116
Child safety restraint	$707	$120
Driving without lights	$707	$118
Failure to wear a seat belt	$707	$120
Failure to show documents	$713	$119
Driving with expired registration	$731	$124
Speeding 11 - 15 MPH over limit	$737	$123
Speeding 16 - 20 MPH over limit	$737	$125
Speeding 6 - 10 MPH over limit	$737	$123
Driving too slowly	$743	$126
Speeding in school zone	$743	$124
Wrong way/wrong lane	$743	$126
Failure to stop at a red light	$748	$125
Failure to yield	$748	$127
Following too closely	$748	$125
Illegal turn	$748	$127
Improper passing	$754	$126
Speeding 21 - 25 MPH over limit	$754	$128
Cell phone violation	$808	$135
Texting while driving	$808	$137
In 65 MPH zone	$826	$138
At-fault accident - $1000-$2000	$849	$144
Passing school bus	$849	$142
At-fault accident - greater than $2000	$885	$150
Open container	$903	$150
Operating a vehicle without permission	$962	$164
Racing	$1140	$190
Reckless driving	$1140	$194
Driving with a suspended license	$1295	$216
Refusal to submit to a chemical test	$1342	$228
DUI	$1354	$226
Leaving scene of an accident/hit and run	$1378	$234

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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 Underhill 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 Underhill Center.

The cheapest car insurance premiums in Underhill Center are offered by American Family at $232 for a six-month policy. However, it can be as expensive as $2097 with companies like Vermont Mutual.

Underhill Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$232	$39
Auto-Owners	$249	$42
Progressive	$499	$84
State Farm	$558	$94
USAA	$707	$119
Concord Group	$713	$120
Co-Op	$719	$120
Allstate	$808	$136
Concord	$1443	$241
Nationwide	$1628	$274
Vermont Mutual	$2097	$353

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 Underhill Center are offered by American Family at $166. However, it can be as expensive as $1455 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Underhill Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$166	$28
Co-Op	$350	$60
State Farm	$368	$62
Vermont Mutual	$386	$65
Allstate	$541	$91
USAA	$671	$114
Progressive	$843	$141
Concord	$885	$150
Nationwide	$1455	$243

Car Insurance Price Trends in Underhill Center, Vermont

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

The average cost of full coverage in the Underhill Center remained steady at $140 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Underhill Center remained steady at $31 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 Underhill Center?

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

What is the cheapest car insurance in Underhill Center?

The cheapest car insurance in Underhill Center is $62 per month for full coverage.

How much is car insurance in Underhill Center for teenagers?

Car insurance for teenagers costs $166 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 Underhill Center?

The average cost of car insurance is $645 for a six-month policy. It will cost around $108 per month to insure your car in Underhill Center.

Is car insurance expensive in Underhill Center?

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

What is the best car insurance in Underhill Center, VT?

The best car insurance company in Underhill Center VT is Union Mutual, offering $374 for a six-month policy.