Who Has the Cheapest Car Insurance Quotes for Hybrid Vehicles in Vermont?

When buying car insurance for hybrids, one of the key considerations that play a part in determining insurance cost is your address. Larger areas like Saint Johnsbury, Springfield, and Saint Albans are more likely to pay higher prices, whereas areas with less congestion can boast about having cheaper rates.

The table below displays the most expensive cities in Vermont for hybrid vehicles to buy car insurance in.

Rate information is comparative as the specific Vermont residence address can impact insurance rates significantly.

Figuring out which insurers offer the lowest-priced auto insurance rates for hybrid vehicles may require a bit more work in order to find a policy that fits your budget. Every insurance provider uses their own formula for setting prices, so we will examine the auto insurance companies with the overall cheapest rates in Vermont.

It’s a good idea to know that Vermont auto insurance rates are calculated based on many things which can significantly increase or decrease the policy premium. Simply having a birthday, marrying your spouse, or getting a ticket for running a stop sign can cause premium changes resulting in some rates now being more affordable than others.

Best Car Insurance Prices for Hybrids

Compare Rates Today

Safeco may have some of the most affordable car insurance rates in Vermont at around $463 a year. California Casualty, USAA, The Hartford, and Travelers would also make the list of some of the cheaper Vermont insurance companies.

As depicted above, if you currently have a policy with The Hartford and switched to Safeco, you could realize a yearly savings of roughly $164. Customers with Travelers could save as much as $245 a year, and Unitrin customers might lower prices by up to $268 a year.

Remember that these estimates are averages for all types of drivers and the different vehicles they drive and do not factor in a price discount for hybrid vehicles. So the car insurance company that has the cheapest rates for you may not even be in the rate chart shown above. That emphasizes why you need to get rate quotes from many companies using your own driver and vehicle profiles.

Bad driving habits will cost you more

The easiest method to snag the most affordable auto insurance premiums in Vermont for hybrids is to be a careful driver and have a clean driving record. The example below highlights how speeding tickets and at-fault fender-benders can affect insurance prices for each different age group. The price estimates are based on a married male driver, comprehensive and collision 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’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1815,1975,3325],[‘Age 30’, 957,1111,2465],[‘Age 40’, 921,1077,2429],[‘Age 50’, 845,1001,2355],[‘Age 60’, 829,985,2337],[‘Age 70’, 957,1113,2465]]);var options = {title: ‘Accidents, Violations, and Vermont Insurance Cost’,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 chart above, the average cost of auto insurance in Vermont per year with no accidents and a clean driving record is $1,054. Get one speeding ticket and the average cost increases to $1,210, an increase of $156 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of auto insurance for hybrid vehicles goes up to an average of $2,563. That’s an increase of $1,509, or $126 per month, just for a couple of infractions!

Allstate, Geico, Progressive, or State Farm: Who is best?

When it comes to car insurance for hybrids, the companies that insure more vehicles than anyone else are Allstate, Geico, Progressive, and State Farm. The next table breaks down ratings for price, service, and claims, in additional to some of the optional coverages that are available for customers.