Cheapest Car Insurance Quotes in Whitingham

Finding the cheapest car insurance quotes in Whitingham 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.

Enter your zip code to get personalized rates.

Featured in

401,895 Policies Sold

Whitingham 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 Whitingham

The car insurance rate in Whitingham is $625 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 Whitingham 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 Whitingham

$625

Avg. Car Insurance in Vermont

$625

National Average

$1140

Cheapest Car Insurance Companies in Whitingham

1st place: Union Mutual

At $374 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 $457 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $463 for six months, making it the third cheapest auto insurance company in Whitingham.

Whitingham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Whitingham, VT is Union Mutual, offering policies at just $374 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $457.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $903 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whitingham drivers find the best deals.

Cheap Car Insurance Companies in Whitingham, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$374	$62
Vermont Mutual	$457	$77
USAA	$463	$78
State Farm	$529	$89
Progressive	$630	$106
Nationwide	$659	$111
Concord Group	$677	$113
Concord	$695	$118
Co-Op	$867	$145
Allstate	$903	$152

Key Takeaways

Way's key takeaways about car insurance in Whitingham

The auto insurance costs in Whitingham fall around $374 for six months.
The cheapest auto insurance company in Whitingham is Union Mutual.
Teen drivers pay the highest rate in Whitingham at $456 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 Whitingham

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 Whitingham are given below.

Union Mutual provides the cheapest minimum car insurance coverage in Whitingham. Their Average 6 Month Premium is $83. Concord is the most expensive at $273 for the same period.

Cheapest Liability Coverage in Whitingham, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$83	$14
USAA	$113	$19
American Family	$131	$22
State Farm	$143	$24
Auto-Owners	$154	$26
Vermont Mutual	$166	$28
Allstate	$202	$34
Progressive	$208	$35
Co-Op	$220	$37
Concord Group	$220	$37
Nationwide	$255	$43
Concord	$273	$46

Cheapest Full Coverage Car Insurance in Whitingham

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 Whitingham is Union Mutual at $62 per month and $374 for six months.

Cheapest Full Coverage Car Insurance Quotes in Whitingham, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$374	$62
Vermont Mutual	$457	$77
USAA	$463	$78
State Farm	$529	$89
Progressive	$630	$106
Nationwide	$659	$111
Concord Group	$677	$113
Concord	$695	$118
Co-Op	$867	$145
Allstate	$903	$152

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Whitingham Instantly!

Average Car Insurance in Whitingham 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 Whitingham, VT increasing?

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

Car Insurance Premiums by Age in Whitingham

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Whitingham,VT

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Whitingham at $28 per month. At $2738 for a six-month premium, CoOp 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	$778	$131
State Farm	$867	$146
Vermont Mutual	$873	$147
Allstate	$1295	$218
Concord	$1319	$220
Progressive	$1325	$223
Concord Group	$1348	$225
Nationwide	$2239	$381
Co-Op	$2738	$456

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 Whitingham, 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 Whitingham is CoOp, offering rates of around $1752 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$238	$40
American Family	$273	$46
Nationwide	$279	$47
Allstate	$713	$120
USAA	$713	$121
Vermont Mutual	$790	$133
Progressive	$1045	$178
Concord	$1236	$206
State Farm	$1259	$214
Co-Op	$1752	$292

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Whitingham.

Car Insurance Rates with An Accident in Whitingham

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

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

The cheapest car insurance companies after an at-fault accident in Whitingham include Union Mutual and American Family, offering $83 and $160, respectively. CoOp is an expensive provider with an average six-month premium of $1259.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$83	$14
American Family	$160	$27
Auto-Owners	$220	$37
State Farm	$321	$54
USAA	$356	$60
Vermont Mutual	$440	$74
Allstate	$618	$104
Nationwide	$939	$160
Progressive	$950	$160
Concord Group	$1045	$178
Concord	$1051	$175
Co-Op	$1259	$214

Whitingham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Whitingham VT. For example, the car insurance in Whitingham 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.

Whitingham 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

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 Whitingham 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 Whitingham.

The cheapest car insurance premiums in Whitingham are offered by American Family at $232 for a six-month policy. However, it can be as expensive as $2115 with companies like CoOp.

Whitingham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$232	$39
Auto-Owners	$249	$42
State Farm	$457	$77
Progressive	$463	$78
USAA	$612	$103
Allstate	$695	$117
Concord Group	$713	$120
Concord	$1170	$199
Nationwide	$1206	$201
Vermont Mutual	$1776	$299
Co-Op	$2115	$352

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 Whitingham are offered by American Family at $166. However, it can be as expensive as $838 with companies like Concord for a similar six-month premium.

Cheapest Car Insurance in Whitingham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$166	$28
State Farm	$291	$49
Vermont Mutual	$350	$59
Allstate	$481	$81
USAA	$481	$80
Progressive	$725	$123
Co-Op	$778	$130
Concord	$838	$142

Car Insurance Price Trends in Whitingham, Vermont

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

The average cost of full coverage in the Whitingham remained steady at $124 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Whitingham remained steady at $29 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Whitingham?

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

What is the cheapest car insurance in Whitingham?

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

How much is car insurance in Whitingham 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 Whitingham?

The average cost of car insurance is $625 for a six-month policy. It will cost around $105 per month to insure your car in Whitingham.

Is car insurance expensive in Whitingham?

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

What is the best car insurance in Whitingham, VT?

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