North Hero Auto Insurance Rates, Quotes, Agents & Reviews in VT

North Hero, VT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in North Hero, 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 North Hero, 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.


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

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

North Hero Isle La Motte Georgia Grand Isle County Alburgh St. Albans
Average Insurance Rates $1,137 $1,090 $1,124 $1,126 $1,083 $1,075

North Hero, 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 North Hero, 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)
North Hero $1,414 $1,195
Grand Isle County $1,205 $1,018
Isle La Motte $1,350 $1,141
St. Albans $1,523 $1,287
Swanton $1,490 $1,259
Grand Isle $1,523 $1,287
Alburgh $1,146 $968
Georgia $2,079 $1,756

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

Teenagers in North Hero, 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 $3,689
20 Years $1,461
30 Years $1,125
40 Years $1,083
50 Years $1,003
60 Years $1,017
70 Years $1,183

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

Car owners in North Hero, 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 $2,001 $273
3 Vehicles $3,002 $409
4 Vehicles $4,002 $546

Savings on 2 Vehicles bundle:$273

Savings on 3 Vehicles bundle:$409

Savings on 4 Vehicles bundle:$546


North Hero, 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 North Hero, VT.

Location Average Insurance Cost Post DUI Insurance Rate
North Hero $1,137 $2,350
Grand Isle County $1,126 $2,327
Isle La Motte $1,090 $2,252
St. Albans $1,075 $2,221
Swanton $1,093 $2,259
Grand Isle $1,141 $2,358
Alburgh $1,083 $2,238
Georgia $1,124 $2,323

North Hero, 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) $976
Excellent (740-799) $1,114
Good (670-739) $1,185
Average (580-669) $1,546
Poor (300-579) $1,855

North Hero, 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
David Raleigh Allstate 2 Champlain Commons Ste 5, Saint Albans, 5478 (802) 527-1241
Julie Collins State Farm 84 Fairfield Street, St Albans, 05478-1728 802-524-0200
Hackett Valine & Macdonald Inc Liberty Mutual Independent 62 N MAIN ST, ST ALBANS, 5478 802-524-4400
Hackett Valine & Macdonald Inc Liberty Mutual Independent 62 N MAIN ST, ST ALBANS, 5478 802-524-4400
Josh Barney State Farm 132 N Main St, Saint Albans, 05478-1551 802-524-2500
Renee Cross Allstate 1174 North Ave, Burlington, 5408 (802) 862-2322
Chevalier Insurance Agency Inc. Allstate 4 Church St, Swanton, 5488 (802) 868-4006

North Hero, 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 +$50 $1,187
Driver's Failure In Showing Documents +$110 $1,247
Driving With An Expired Registration +$117 $1,254
Driving At A Considerably Slow Pace +$247 $1,384
Using A Cellphone While Driving +$260 $1,397
Running A Red Light +$265 $1,402
Speeding +$279 $1,416
Driving A Vehicle Without The Required Permission +$354 $1,491
Driving With An Expired/Suspended License +$766 $1,903

North Hero, 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 $1,092
Active Disabling Device $1,092
Tracking Device $1,069
Passive Disabling Device $1,057