Cheapest Car Insurance Quotes in Wilder

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401,895 Policies Sold

Wilder 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 Wilder

The car insurance rate in Wilder is $619 for a six-month policy, which is $6 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $370, making it a popular choice for budget-conscious drivers. Rates in Wilder 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 Wilder

$619

Avg. Car Insurance in Vermont

$625

National Average

$1140

Cheapest Car Insurance Companies in Wilder

1st place: Union Mutual

At $370 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 $452 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $458 for six months, making it the third cheapest auto insurance company in Wilder.

Wilder Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wilder, VT is Union Mutual, offering policies at just $370 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $452.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $894 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wilder drivers find the best deals.

Cheap Car Insurance Companies in Wilder, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$370	$61
Vermont Mutual	$452	$76
USAA	$458	$77
State Farm	$524	$88
Progressive	$624	$105
Nationwide	$652	$110
Concord Group	$670	$112
Concord	$688	$117
Co-Op	$858	$144
Allstate	$894	$150

Key Takeaways

Way's key takeaways about car insurance in Wilder

The auto insurance costs in Wilder fall around $370 for six months.
The cheapest auto insurance company in Wilder is Union Mutual.
Teen drivers pay the highest rate in Wilder at $451 per month.

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Cheapest Minimum Liability Car Insurance in Wilder

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 Wilder are given below.

Union Mutual provides the cheapest minimum car insurance coverage in Wilder. Their Average 6 Month Premium is $82. Concord is the most expensive at $270 for the same period.

Cheapest Liability Coverage in Wilder, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$82	$14
USAA	$112	$19
American Family	$130	$22
State Farm	$142	$24
Auto-Owners	$152	$26
Vermont Mutual	$164	$28
Allstate	$200	$34
Progressive	$206	$35
Co-Op	$218	$37
Concord Group	$218	$37
Nationwide	$252	$43
Concord	$270	$46

Cheapest Full Coverage Car Insurance in Wilder

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 Wilder is Union Mutual at $61 per month and $370 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wilder, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$370	$61
Vermont Mutual	$452	$76
USAA	$458	$77
State Farm	$524	$88
Progressive	$624	$105
Nationwide	$652	$110
Concord Group	$670	$112
Concord	$688	$117
Co-Op	$858	$144
Allstate	$894	$150

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Average Car Insurance in Wilder 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 Wilder, VT increasing?

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

Car Insurance Premiums by Age in Wilder

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 Wilder,VT

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Wilder at $28 per month. At $2711 for a six-month premium, CoOp offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$164	$28
Auto-Owners	$206	$35
USAA	$770	$130
State Farm	$858	$145
Vermont Mutual	$864	$146
Allstate	$1282	$216
Concord	$1306	$218
Progressive	$1312	$221
Concord Group	$1335	$223
Nationwide	$2217	$377
Co-Op	$2711	$451

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 Wilder, Concord Group is the cheapest car insurance provider. At $236 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 Wilder is CoOp, offering rates of around $1734 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$236	$40
American Family	$270	$46
Nationwide	$276	$47
Allstate	$706	$119
USAA	$706	$120
Vermont Mutual	$782	$132
Progressive	$1035	$176
Concord	$1224	$204
State Farm	$1246	$212
Co-Op	$1734	$289

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Car Insurance Rates with An Accident in Wilder

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

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

The cheapest car insurance companies after an at-fault accident in Wilder include Union Mutual and American Family, offering $82 and $158, respectively. CoOp is an expensive provider with an average six-month premium of $1246.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$82	$14
American Family	$158	$27
Auto-Owners	$218	$37
State Farm	$318	$53
USAA	$352	$59
Vermont Mutual	$436	$73
Allstate	$612	$103
Nationwide	$930	$158
Progressive	$941	$158
Concord Group	$1035	$176
Concord	$1040	$173
Co-Op	$1246	$212

Wilder Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wilder VT. For example, the car insurance in Wilder after a DUI increases to $699 for a six month policy. While the rate increases by $89 for a six-month policy in the case of a speeding ticket.

Wilder auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$641	$107
One comp claim	$641	$109
One Med/PIP claim	$641	$107
Two Med/PIP claims	$646	$110
Not-at-fault accident	$652	$109
Two comp claims	$664	$113
At-fault accident - less than $1000	$688	$115
Child safety restraint	$700	$119
Driving without lights	$700	$117
Failure to wear a seat belt	$700	$119
Failure to show documents	$706	$118
Driving with expired registration	$724	$123
Speeding 11 - 15 MPH over limit	$730	$122
Speeding 16 - 20 MPH over limit	$730	$124
Speeding 6 - 10 MPH over limit	$730	$122
Driving too slowly	$736	$125
Speeding in school zone	$736	$123
Wrong way/wrong lane	$736	$125
Failure to stop at a red light	$741	$124
Failure to yield	$741	$126
Following too closely	$741	$124
Illegal turn	$741	$126
Improper passing	$746	$125
Speeding 21 - 25 MPH over limit	$746	$127
Cell phone violation	$800	$134
Texting while driving	$800	$136
In 65 MPH zone	$818	$137
At-fault accident - $1000-$2000	$841	$143
Passing school bus	$841	$141
At-fault accident - greater than $2000	$876	$149
Open container	$894	$149
Operating a vehicle without permission	$952	$162
Racing	$1129	$188
Reckless driving	$1129	$192
Driving with a suspended license	$1282	$214
Refusal to submit to a chemical test	$1329	$226
DUI	$1340	$224
Leaving scene of an accident/hit and run	$1364	$232

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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 Wilder 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 Wilder.

The cheapest car insurance premiums in Wilder are offered by American Family at $230 for a six-month policy. However, it can be as expensive as $2094 with companies like CoOp.

Wilder car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$230	$39
Auto-Owners	$247	$42
State Farm	$452	$76
Progressive	$458	$77
USAA	$606	$102
Allstate	$688	$116
Concord Group	$706	$119
Concord	$1158	$197
Nationwide	$1194	$199
Vermont Mutual	$1758	$296
Co-Op	$2094	$348

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 Wilder are offered by American Family at $164. However, it can be as expensive as $830 with companies like Concord for a similar six-month premium.

Cheapest Car Insurance in Wilder after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$164	$28
State Farm	$288	$49
Vermont Mutual	$347	$58
Allstate	$476	$80
USAA	$476	$79
Progressive	$718	$122
Co-Op	$770	$129
Concord	$830	$141

Car Insurance Price Trends in Wilder, Vermont

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

The average cost of full coverage in the Wilder remained steady at $123 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Wilder remained steady at $29 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 Wilder?

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

What is the cheapest car insurance in Wilder?

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

How much is car insurance in Wilder for teenagers?

Car insurance for teenagers costs $164 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 Wilder?

The average cost of car insurance is $625 for a six-month policy. It will cost around $104 per month to insure your car in Wilder.

Is car insurance expensive in Wilder?

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

What is the best car insurance in Wilder, VT?

The best car insurance company in Wilder VT is Union Mutual, offering $370 for a six-month policy.