Montpelier Auto Insurance Rates, Quotes, Agents & Reviews in VT

Montpelier, VT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Montpelier, VT, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Montpelier, VT are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Montpelier, VT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Montpelier, VT with that of other cities in and around Montpelier.

Montpelier South Barre Washington County Moretown East Montpelier Berlin
Average Insurance Rates $1,106 $1,077 $956 $1,116 $1,114 $1,097

Montpelier, VT Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Montpelier, VT based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Montpelier $1,178 $995
Washington County $966 $816
East Montpelier $1,406 $1,188
Berlin $1,398 $1,181
Middlesex $1,723 $1,456
Barre $1,827 $1,543
Moretown $1,468 $1,240
South Barre $1,087 $918

Montpelier, VT Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Montpelier, VT usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,589
20 Years $1,421
30 Years $1,095
40 Years $1,053
50 Years $975
60 Years $989
70 Years $1,151

Montpelier, VT Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Montpelier, VT can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,924 $288
3 Vehicles $2,887 $431
4 Vehicles $3,849 $575

Savings on 2 Vehicles bundle:$288

Savings on 3 Vehicles bundle:$431

Savings on 4 Vehicles bundle:$575


Montpelier, VT Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Montpelier, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Montpelier $1,106 $2,286
Washington County $956 $1,976
East Montpelier $1,114 $2,302
Berlin $1,097 $2,267
Middlesex $1,122 $2,319
Barre $1,065 $2,201
Moretown $1,116 $2,306
South Barre $1,077 $2,226

Montpelier, VT Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $949
Excellent (740-799) $1,083
Good (670-739) $1,152
Average (580-669) $1,504
Poor (300-579) $1,804

Montpelier, VT Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Berrian Insurance Group None Po Box 647, Waitsfield, 5673 None
Mayo Associates Travelers 49 WALL ST, NORTHFIELD, 5663 802-485-6061
Vermont Insurance Agents Services, Inc. None 47 Court St, Montpelier, 5602 None
Joe Collins State Farm 200 S Main St, Barre, 05641-4811 802-479-3353
Peoples United Ins Agency Inc Liberty Mutual Independent 87 WEST ST, RUTLAND, 5701 (802) 775-8512
T S Peck Insurance Llc Travelers 41 IDX DR, SOUTH BURLINGTON, 5403 802-865-8000

Montpelier, VT Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$49 $1,155
Driver's Failure In Showing Documents +$107 $1,213
Driving With An Expired Registration +$114 $1,220
Driving At A Considerably Slow Pace +$240 $1,346
Using A Cellphone While Driving +$253 $1,359
Running A Red Light +$258 $1,364
Speeding +$271 $1,377
Driving A Vehicle Without The Required Permission +$344 $1,450
Driving With An Expired/Suspended License +$745 $1,851

Montpelier, VT Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,062
Active Disabling Device $1,062
Tracking Device $1,040
Passive Disabling Device $1,029