How Much Does Car Insurance Cost for High Mileage Drivers in Vermont?

Performance level and cost of the vehicle driven is a large factor when looking for cheap auto insurance for high mileage drivers in Vermont. Vehicles with higher performance, poor passenger safety features, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models.

The next lists estimates car insurance prices for a selection of the most economical automobiles to insure.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific location which can impact premiums greatly.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can change auto insurance rates substantially.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in your specific Vermont location which can influence insurance rates substantially.

One of the key factors that is used by car insurance companies to determine auto insurance rates is where your residence is in Vermont. Regions with more people or even just more weather-related claims like Northfield, Bennington, and Newport are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.

The table below illustrates the most costly cities in Vermont for high mileage drivers to buy an auto insurance policy in.

Rate quotes are estimated as the specific Vermont residence address can increase or decrease price quotes substantially.

Deciding which company has the cheapest insurance rates for high mileage drivers may require a bit more work in order to find the best price.

Every insurance company has a unique formula to set policy rates, so to begin we’ll rank the insurance companies with the most affordable rates in Vermont. It’s a good idea to be aware that Vermont insurance rates are impacted by many things that may substantially change the cost of coverage. Simply having another birthday, marrying your spouse, or getting a ticket for running a stop sign can trigger rate changes that can cause some rates to be cheaper than competitors.

Best Auto Insurance Prices in Vermont

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Safeco generally has some of the best car insurance rates in Vermont at around $481 each year. California Casualty, The Hartford, USAA, and Unitrin are also some of the cheapest Vermont car insurance companies.

As illustrated above, if you buy coverage from California Casualty and switched to Safeco, you may see yearly savings of around $18. Insureds with The Hartford might save as much as $139 a year, and USAA customers might cut rates by $157 a year.

It’s important to note that these premiums are averaged across all drivers and vehicles and and are not figured with a price decrease for high mileage drivers. So the car insurance company that has the lowest price for you may not even be shown in the above rate chart. That points out the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.

Accidents and violations increase rates

In a perfect world, the best way to get cheap auto insurance for high mileage drivers in Vermont is to be an attentive driver and avoid accidents and keep your driving record clean. The chart below highlights how speeding tickets and accident claims can drive up insurance rates for different categories of driver ages. The data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

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In the previous example, the average cost of auto insurance in Vermont per year with a clean driving record and no accidents is $971. Get two speeding tickets and the average cost swells to $1,375, an increase of $404 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of insurance for high mileage drivers goes up to an average of $2,868. That’s an increase of $1,897, or $158 per month, just for not driving carefully!

Allstate, Geico, State Farm, and Progressive: Who is cheapest?

If you are shopping around for car insurance for high mileage drivers in Vermont, four of the best places to start are Allstate, Geico, State Farm, and Progressive. Combined they insure almost 50% of the entire U.S. car insurance market. They all have the same basic coverages, but each one has a unique set of features, discounts, and options that may steer you one way or another. The table below rates some of the different features that policyholders can buy.