Best Cheap Car Insurance for a Learners Permit in Vermont

This would be a quick read if we could just give you the name of the one best company that has the most affordable coverage in Vermont. It’s just not that easy, however, as there are a ton of unknown elements like your marital status, what physical damage coverage deductibles you want, and the performance level of your vehicle, that all help calculate your car insurance rates. We are going to cover the best ways to save on auto insurance and also should give you a good start to your coverage search.

The car, truck, or SUV you are insuring is one of the main factors that determines if you can find the best cheap auto insurance for a learners permit in Vermont. Vehicles with lower acceleration and performance, a great safety record, or a positive history of liability claims will cost less to insure than high performance models. The lists below shows coverage premiums for some of the cheaper vehicles to buy insurance for.

Premium data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in Vermont location which can change coverage prices significantly.

Data based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates greatly.

Cost estimates assume single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in your specific Vermont location which can raise or lower rates substantially.

For new drivers, one of the largest criteria that establish the annual cost of car insurance is the neighborhood you call home. Cities that have higher claim levels or more people like Bellows Falls, Brattleboro, and Bennington tend to pay more, whereas less populated areas generally have lower rates.

The following table displays the more expensive cities in Vermont for a learners permit to buy car insurance in.

Premium amounts are estimated as zip code location can raise or lower prices substantially.

Finding good, low-priced car insurance is hard enough, and deciding which company offers the best auto insurance rates for a learners permit will involve additional perseverance. Insurance rates should be significantly higher than the average policy in Vermont, with the increase attributed to the posibility of more claims that goes along with selling insurance for new drivers, but reasonably-priced coverage should be obtainable if you look hard enough. Each insurer has their own process for determining prices, so let’s begin by examining the most budget-friendly auto insurance companies in Vermont.

It’s a good idea to know that Vermont auto insurance rates are influenced by many factors which can substantially change the policy price. This price variation is why it is crucial to take the time to shop around when trying to get the most affordable auto insurance rates for a learners permit. Rates are made up of many risk factors and can change without notice, so the cheapest rate three years ago may now not even be in the top five.

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Safeco generally has some of the lowest car insurance rates in Vermont at around $463 each year. California Casualty, The Hartford, USAA, and Travelers also make the cut as some of the most economical Vermont insurance companies.

As depicted above, if you are insured with USAA and switched to Safeco, you could see a yearly savings of roughly $182. Drivers with Travelers may save as much as $252 a year, and Unitrin policyholders might cut rates by $268 a year.

Bear in mind that those prices are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a rate increase for a learners permit. So the auto insurance company that fits your situation best may not even be shown in the above rate chart. That’s why you need to get quotes using your own individual information.

Illustration showing the impact of accidents and violations

The best way to snag cheap auto insurance rates for new drivers is to drive safely and avoid at-fault accidents and violations. The illustration below illustrates how speeding tickets and accidents increase insurance premiums for different categories of driver ages. The premium estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,316. Get written up for two speeding tickets and the average cost swells to $1,767, an increase of $452 each year. Now get two accidents along with the two speeding tickets and the annual cost of auto insurance for a learners permit goes up to an average of $3,359. That’s an increase of $2,043, or $170 per month, just for not driving safely!

Get discount Vermont auto insurance

Insurers that offer the best cheap auto insurance for a learners permit in Vermont may have price discounts that could potentially reduce rates by 25% or more if you are eligible for them. Popular auto insurance companies and the discounts they provide include:

• State Farm may have discounts that include passive restraint, driver’s education, multiple autos, multiple policy, safe vehicle, anti-theft, and Drive Safe & Save.
• Farmers Insurance offers discounts for mature driver, distant student, teen driver, homeowner, electronic funds transfer, pay in full, and bundle discounts.
• GEICO may include discounts for federal employee, anti-lock brakes, driver training, anti-theft, and seat belt use.
• American Family may offer discounts for good student, multi-vehicle, bundled insurance, early bird, Steer into Savings, defensive driver, and TimeAway discount.
• Nationwide offers discounts including multi-policy, defensive driving, anti-theft, Farm Bureau membership, easy pay, good student, and family plan.
• Progressive policyholders can earn discounts including good student, continuous coverage, multi-policy, online quote discount, online signing, homeowner, and multi-vehicle.

The information below compares premium costs with and without discounts applied to the premium. Data assumes a male driver, no claims or driving violations, Vermont state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with paperless filing, anti-theft, good student, continuous coverage, passive restraint, and vehicle safety discounts applied. With discounts applied, the average amount saved each year on auto insurance for a learners permit is 28% or $481.

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

If you are shopping around for auto insurance for new drivers in Vermont, the first places to look would be State Farm, Geico, Progressive, and Allstate. The table below ranks price, claims, and customer service ratings, as well as some optional coverages that are available for buyers.