Cheap Car Insurance for Uninsured Drivers in Vermont

When buying car insurance for drivers with no prior coverage, one of the key factors that is used to calculate the cost of insurance is where your car is garaged. More populated areas like Northfield, West Brattleboro, and Swanton tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.

The table below displays the highest-priced areas in Vermont for uninsured drivers to buy auto insurance in.

Information shown are comparative as the specific zip code location can revise prices considerably.

Establishing which company quotes the most affordable auto insurance rates for uninsured drivers takes a little more effort in order to find a policy that fits your budget.

Every car insurance company uses their own method for setting rates, so we’ll go over the auto insurance companies that tend to have lower prices in Vermont.

Best Auto Insurance Prices in Vermont

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Safeco has some of the lowest car insurance rates in Vermont at around $477 a year. California Casualty, The Hartford, USAA, and Travelers are also some of the cheapest Vermont auto insurance companies.

In the above example, if you currently buy coverage from USAA and switched to California Casualty, you may realize annual savings of around $131. Drivers with Travelers may save as much as $194 a year, and Unitrin insureds might reduce rates by $224 a year.

Be aware that those premiums are averaged for all drivers and vehicles in Vermont and do not factor in a price decrease for uninsured drivers. So the company that has the cheapest rates for you may not even be featured in the above rate chart. That points out the importance of why you need to get quotes using your own driver data and vehicle information.

Difference between liability only and full coverage rates

Finding cheap car insurance for uninsured drivers in Vermont should be important to the majority of drivers, and an easy way to find cheaper insurance is to buy only liability coverage. The chart below visualizes the comparison of yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on a clean driving record, no claims, $1,000 deductibles, single status, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 1699,727],[‘Age 30’, 903,405],[‘Age 40’, 877,375],[‘Age 50’, 805,353],[‘Age 60’, 781,347],[‘Age 70’, 971,459]]);var options = {title: ‘Savings of Only Insuring for Liability’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Vermont’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an average for all age groups, full coverage costs an extra $1,006 per year over having just liability coverage. Lot’s of drivers question when is the right time to remove full coverage. There is no exact formula to delete physical damage coverage on your policy, but there is a broad guideline. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

Violations and accidents raise rates

In a perfect world, the ideal way to snag the most affordable auto insurance premiums in Vermont for drivers with no prior coverage is to be a safe driver and avoid accidents and traffic citations. The diagram below shows how traffic citations and fender-benders can affect yearly insurance costs for different age groups. The premium estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

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 One Accident’],[‘Age 20’, 1471,1601,1953],[‘Age 30’, 767,893,1247],[‘Age 40’, 747,875,1229],[‘Age 50’, 687,815,1171],[‘Age 60’, 673,801,1159],[‘Age 70’, 793,921,1277]]);var options = {title: ‘Effect of Violations and Accidents on 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 previous example, the average cost of car insurance in Vermont per year with a clean driving record and no accidents is $856. Get written up for one speeding ticket and the average cost increases to $984, an increase of $128 each year. Then include one accident along with the one speeding ticket and the annual cost of auto insurance for uninsured drivers jumps again to an average of $1,339. That’s an increase of $483, or $40 per month, just for not being attentive to the road!