Who Has Cheap Car Insurance Quotes for Drivers Under 25 in Vermont?
It’s hard to miss the captivating ads from auto insurance companies like State Farm and Liberty Mutual that claim big savings, so drivers should just pick the one with the catchiest commercial, right?
Unfortunately, it’s not that simple as there are a whole bunch of unknown elements such as the crime level of your neighborhood, what physical damage coverage deductibles you want, and if you are currently insured. The information below will cover the best ways to save on auto insurance and educate you enough to have a good start in finding the cheapest insurance in Vermont.
Deciding which company quotes the cheapest car insurance rates for drivers under 25 may require a little more sweat than just picking a company at random. Every insurance provider has a different formula to set their prices, so let’s take a look at the overall cheapest car insurance companies in Vermont.
It’s important that you understand Vermont car insurance rates are based on many factors that may substantially change the price you pay. Simply improving your credit, having a teen driver, or getting a reckless driving citation may generate price changes that may make certain companies much cheaper than others.
Lowest Insurance Price Quotes for Young Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $477 |
| 2 | California Casualty | $504 |
| 3 | The Hartford | $620 |
| 4 | USAA | $645 |
| 5 | Unitrin | $717 |
| 6 | Travelers | $729 |
| 7 | Co-Operative Insurance | $760 |
| 8 | Concord | $857 |
| 9 | GEICO | $910 |
| 10 | MMG Insurance | $1,052 |
| 11 | MetLife | $1,084 |
| 12 | National Grange Mutual | $1,179 |
| 13 | Nationwide | $1,200 |
| 14 | Progressive | $1,235 |
| 15 | State Farm | $1,302 |
| 16 | Liberty Mutual | $1,352 |
| 17 | Vermont Mutual | $1,564 |
| 18 | Allstate | $1,583 |
| 19 | Sentry | $1,902 |
| 20 | Union Mutual | $1,997 |
| Quote Your Rates Go | ||
Safeco may have some of the best car insurance rates in Vermont at around $477 a year. California Casualty, The Hartford, USAA, and Unitrin also qualify as some of the more affordable Vermont insurance companies.
As illustrated above, if you currently have a policy with California Casualty and switched to Safeco, you might see annual savings of in the neighborhood of $27. Policyholders with The Hartford could save as much as $143 a year, and USAA policyholders might cut rates by $168 a year.
Bear in mind that those premium estimates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a price surcharge for drivers under 25. So the auto insurance company that fits your needs best may not even be shown in the above list. That affirms the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.
When shopping for cheaper insurance for drivers age 25 and younger, one of the many considerations that insurance companies take into consideration when calculating the price of your policy is where you call home in Vermont. Areas with more people or higher crime rates like Manchester Center, Vergennes, and Saint Johnsbury tend to pay more, whereas areas with lower crime rates and fewer weather claims benefit from lower coverage costs.
The information below displays the most expensive areas in Vermont for drivers under 25 to buy car insurance in.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Manchester Center | $1,034 |
| 2 | Brattleboro | $1,023 |
| 3 | Vergennes | $1,016 |
| 4 | White River Junction | $1,016 |
| 5 | Saint Johnsbury | $1,009 |
| 6 | Northfield | $1,006 |
| 7 | Newport | $1,001 |
| 8 | Bellows Falls | $1,001 |
| 9 | Middlebury | $1,000 |
| 10 | Saint Albans | $996 |
| 11 | West Brattleboro | $995 |
| 12 | Fair Haven | $992 |
| 13 | Springfield | $988 |
| 14 | Barre | $986 |
| 15 | Bristol | $985 |
| 16 | Bennington | $981 |
| 17 | Swanton | $980 |
| 18 | Essex Junction | $977 |
| 19 | Rutland | $973 |
| 20 | Montpelier | $968 |
| Find the Best Rates Go | ||
Prices are comparative as the specific area where the vehicle is garaged can decrease or increase premium rates significantly.
The model of vehicle to be insured is a large factor when shopping for the lowest-priced insurance for drivers under 25. Vehicles with average performance, excellent safety ratings, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models.
The next tables outlines insurance prices for a handful of the most budget-friendly vehicles to buy coverage for.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Fusion SEL 4-Dr Sedan | $2,112 | $1,056 | $176 |
| Honda Accord EX 4-Dr Sedan | $1,638 | $819 | $137 |
| Honda Civic VP 4-Dr Sedan | $2,056 | $1,028 | $171 |
| Hyundai Sonata GLS 4-Dr Sedan | $2,068 | $1,034 | $172 |
| Kia Optima SX | $2,234 | $1,117 | $186 |
| Toyota Camry Hybrid | $2,234 | $1,117 | $186 |
| Toyota Corolla S | $2,084 | $1,042 | $174 |
| Volkswagen Jetta S 4-Dr Sedan | $1,946 | $973 | $162 |
| Get a Custom Quote for Your Car Go | |||
Table data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can alter coverage prices substantially.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX 2WD | $1,804 | $902 | $150 |
| Cadillac Escalade Hybrid Platinum 4WD | $2,902 | $1,451 | $242 |
| Chevrolet Traverse LT 2WD | $1,694 | $847 | $141 |
| Ford Escape Limited 4WD | $1,804 | $902 | $150 |
| Ford Explorer Limited AWD | $1,974 | $987 | $165 |
| GMC Acadia SLT AWD | $1,974 | $987 | $165 |
| Honda CR-V LX 2WD | $1,638 | $819 | $137 |
| Honda Fit Sport VSA | $1,760 | $880 | $147 |
| Honda Pilot LX 2WD | $1,808 | $904 | $151 |
| Jeep Grand Cherokee Laredo 2WD | $1,946 | $973 | $162 |
| Jeep Patriot Limited 2WD | $1,946 | $973 | $162 |
| Lexus RX 350 2WD | $2,400 | $1,200 | $200 |
| Toyota Highlander Limited 4WD | $2,140 | $1,070 | $178 |
| Toyota RAV4 4WD | $1,946 | $973 | $162 |
| Get a Custom Quote for Your SUV or Crossover Go | |||
Above prices assume single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific location information which can alter premium rates significantly.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado LT Crew Cab 2WD | $1,918 | $959 | $160 |
| Chevrolet Silverado LTZ Extended Cab 4WD | $2,112 | $1,056 | $176 |
| Dodge Ram Crew Cab Sport 2WD | $2,262 | $1,131 | $189 |
| Ford F-150 FX4 Super Cab 4WD | $1,974 | $987 | $165 |
| Ford F-350 Crew Cab Cabela Turbo Diesel 4WD | $2,784 | $1,392 | $232 |
| GMC Sierra 2500HD SLE Extended Cab 2WD | $2,372 | $1,186 | $198 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $2,140 | $1,070 | $178 |
| GMC Sierra SLE Regular Cab 2WD | $1,946 | $973 | $162 |
| Toyota Tacoma 2WD | $1,918 | $959 | $160 |
| Toyota Tundra SR/5 Crew Max 4WD | $2,262 | $1,131 | $189 |
| Get a Custom Quote for Your Truck Go | |||
Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in zip code location which can revise auto insurance rates significantly.
How careless driving impacts Vermont car insurance rates
The best way to maintain the cheapest car insurance prices in Vermont for drivers age 25 and younger is to be a safe driver and avoid getting tickets or having accidents. The diagram below shows how traffic citations and fender-benders increase premium costs for different age groups of insureds. The data is based on a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2101,2497,2899],[‘Age 30’, 1103,1499,1899],[‘Age 40’, 1085,1483,1881],[‘Age 50’, 991,1385,1785],[‘Age 60’, 959,1357,1753],[‘Age 70’, 1169,1565,1961]]);var options = {title: ‘Impact of Tickets and Accidents on Vermont Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Vermont’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}
In the previous example, the average cost of a car insurance policy in Vermont per year with no accidents or violations is $1,235. Add in two speeding tickets and the average cost rises to $1,631, an increase of $396 each year. Now get one accident along with the two speeding tickets and the yearly cost of car insurance for drivers under 25 goes up to an average of $2,030. That’s an increase of $795, or $66 per month, just for not being a responsible driver!
Discount Vermont insurance rates
Auto insurance companies that sell cheap car insurance for drivers under 25 in Vermont could also offer price discounts that could lower prices by 30% or more if you meet specific criteria. A list of companies and their possible discounts are shown below.
| Discount | Progressive | State Farm | Allstate | Geico |
|---|---|---|---|---|
| Bundled policies | Yes | Yes | Yes | Yes |
| Multiple vehicles | Yes | Yes | No | Yes |
| Anti-theft | Yes | Yes | Yes | Yes |
| Anti-lock brakes | No | Yes | Yes | Yes |
| Air bags | No | Yes | Yes | Yes |
| New car | No | Yes | Yes | No |
| Hybrid vehicle | No | No | Yes | No |
| Accident-free | Yes | Yes | Yes | Yes |
| Defensive driving course | Yes | Yes | Yes | Yes |
| Military | Yes | Yes | No | Yes |
| Professional affiliation | No | No | No | Yes |
| Full payment | Yes | No | Yes | Yes |
| Email statements | Yes | No | Yes | Yes |
| Loyalty | Yes | Yes | No | No |
| Early signing | No | No | Yes | No |
| Good grades | Yes | Yes | Yes | Yes |
| Student away from home | Yes | Yes | Yes | No |
| Homeowner | Yes | No | No | No |
| Seat belt use | No | No | No | Yes |
| Get quote online | Yes | No | No | No |
| Teen driver | Yes | No | No | No |
| Government employee | No | No | No | Yes |
| Compare Rates Go | ||||
The information below compares premium costs with and without discounts applied to the policy rates. The prices are based on a female driver, no accidents, no driving violations, Vermont state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, paperless filing, paid-in-full, passive restraint, vehicle safety, and continuous coverage discounts applied. When discounts are applied, the the average amount saved on car insurance for drivers under 25 is 13% or $203.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 1931,1389],[‘Age 30’, 1217,941],[‘Age 40’, 1069,881],[‘Age 50’, 1031,771],[‘Age 60’, 1219,749]]);var options = {title: ‘Insurance Premium Comparison for Drivers Under 25’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
How to find economical car insurance for drivers under 25
The list below shows a few money-saving suggestions that can help Vermont drivers buy more affordable car insurance.
- Buy your auto and home insurance from the same company and save
- Drop full coverage on older vehicles
- Avoid having at-fault accidents
- Increase your credit score
- Buy vehicles with good safety ratings
- Comparison shop frequently
The last item on the list is especially valuable, as was stressed in the prior information. Rates vary greatly, so don’t hesitate to change insurance companies if you find a better deal.
Many consumers stick with the same company and that’s fine, but it’s not a great idea if that stubbornness costs you a lot of money every month. It only takes a couple minutes to compare rates to find cheaper car insurance for drivers under 25.
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