St. Albans Auto Insurance Rates, Quotes, Agents & Reviews in VT

St. Albans, VT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. Albans, 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 St. Albans, 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.


St. Albans, VT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

St. Albans Fairfax Fairfield Franklin County Georgia Sheldon
Average Insurance Rates $1,075 $1,111 $1,104 $966 $1,124 $1,091

St. Albans, 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 St. Albans, 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)
St. Albans $1,523 $1,287
Georgia $2,079 $1,756
Swanton $1,490 $1,259
North Hero $1,414 $1,195
Fairfield $2,107 $1,780
Fairfax $1,379 $1,165
Franklin County $2,079 $1,756
Sheldon $964 $814

St. Albans, VT Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. Albans, 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 $3,488
20 Years $1,381
30 Years $1,064
40 Years $1,024
50 Years $948
60 Years $961
70 Years $1,119

St. Albans, VT Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. Albans, 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 $1,871 $280
3 Vehicles $2,806 $419
4 Vehicles $3,741 $559

Savings on 2 Vehicles bundle:$280

Savings on 3 Vehicles bundle:$419

Savings on 4 Vehicles bundle:$559


St. Albans, 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 St. Albans, VT.

Location Average Insurance Cost Post DUI Insurance Rate
St. Albans $1,075 $2,221
Georgia $1,124 $2,323
Swanton $1,093 $2,259
North Hero $1,137 $2,350
Fairfield $1,104 $2,281
Fairfax $1,111 $2,296
Franklin County $966 $1,996
Sheldon $1,091 $2,255

St. Albans, 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) $922
Excellent (740-799) $1,053
Good (670-739) $1,120
Average (580-669) $1,461
Poor (300-579) $1,753

St. Albans, 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 St, Saint Albans, 05478-1728 802-524-0200
Jared Jabaut Agency Nationwide 268 N Main St, Saint Albans, 5478 (802) 524-9100
Chevalier Insurance Agency Inc. Allstate 4 Church St, Swanton, 5488 (802) 868-4006
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
Kinney Pike None 21 Merchants Row , Swanton, 5488 None

St. Albans, 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 +$47 $1,122
Driver's Failure In Showing Documents +$104 $1,179
Driving With An Expired Registration +$111 $1,186
Driving At A Considerably Slow Pace +$233 $1,308
Using A Cellphone While Driving +$246 $1,321
Running A Red Light +$250 $1,325
Speeding +$263 $1,338
Driving A Vehicle Without The Required Permission +$334 $1,409
Driving With An Expired/Suspended License +$725 $1,800

St. Albans, 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 $1,032
Active Disabling Device $1,032
Tracking Device $1,011
Passive Disabling Device $1,000