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Finding the cheapest car insurance quotes in Waitsfield 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 Waitsfield
The car insurance rate in Waitsfield 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 Waitsfield 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.
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 Waitsfield.
Waitsfield Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Waitsfield, 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 Waitsfield drivers find the best deals.
Way's key takeaways about car insurance in Waitsfield
The auto insurance costs in Waitsfield fall around $381 for six
months.
The cheapest auto insurance company in Waitsfield is Union Mutual.
Teen drivers pay the highest rate in Waitsfield 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 Waitsfield
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 Waitsfield are given below.
Union Mutual provides
the cheapest minimum car insurance
coverage in Waitsfield. Their Average 6 Month Premium is $85.
Concord is the most
expensive at $278 for the same
period.
Cheapest Full Coverage Car Insurance in Waitsfield
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 Waitsfield is Union Mutual
at $63 per month and $381
for six months.
Cheapest Full Coverage Car Insurance Quotes in Waitsfield,
VT
Get Your Car Insurance Quote in Waitsfield
Instantly!
Average Car Insurance in Waitsfield 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 Waitsfield, VT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Waitsfield, 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, Waitsfield's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Waitsfield
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
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Cheapest Car Insurance Rates for Teen Drivers in
Waitsfield,VT
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Waitsfield 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 Waitsfield.
As young drivers face the highest rates in Waitsfield, 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 Waitsfield,
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
Waitsfield is CoOp, offering
rates of around $1787 for six
months.
Save up to $971/yr on car insurance rates in Waitsfield.
Car Insurance Rates with An Accident in Waitsfield
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 Waitsfield, VT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Waitsfield
The cheapest car insurance companies after an at-fault accident in
Waitsfield 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 Waitsfield VT. For example, the car
insurance in Waitsfield
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.
Waitsfield 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
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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 Waitsfield 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 Waitsfield.
The cheapest car insurance premiums in
Waitsfield 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 Waitsfield 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 Waitsfield after Speeding ticket
Car insurance rates in Waitsfield have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Waitsfield 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 Waitsfield remained steady at $30 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Waitsfield 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
Waitsfield. At $1275 for a
six-month policy, insuring
your car at 5673 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Waitsfield?
The car insurance in Waitsfield is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Waitsfield?
The cheapest car insurance in Waitsfield
is $63 per month
for full coverage.
How much is car insurance in Waitsfield 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
Waitsfield?
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 Waitsfield.
Is car insurance expensive in Waitsfield?
Car insurance can be expensive in Waitsfield if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Waitsfield can be
affordable.
What is the best car insurance in Waitsfield,
VT?
The best car insurance company in Waitsfield
VT is
Union Mutual, offering $381 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Waitsfield, VT
Car Insurance Rates by State in the USA (2025 Update)
Waitsfield Car Insurance
