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

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

Zimlon, through its research, found that car owners in St. Johnsbury, 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. Johnsbury, 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. Johnsbury, VT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

St. Johnsbury Concord Waterford Lyndon Caledonia County Danville
Average Insurance Rates $1,069 $1,051 $1,103 $1,065 $1,071 $1,093

St. Johnsbury, 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. Johnsbury, 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. Johnsbury $1,224 $1,034
Kirby $1,353 $1,143
Lyndonville $1,053 $889
Caledonia County $2,065 $1,744
Danville $1,147 $969
Lyndon $1,642 $1,387
Waterford $1,115 $942
Concord $2,802 $2,366

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

Teenagers in St. Johnsbury, 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 $3,469
20 Years $1,374
30 Years $1,058
40 Years $1,018
50 Years $943
60 Years $956
70 Years $1,113

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

Car owners in St. Johnsbury, 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 $1,817 $321
3 Vehicles $2,726 $481
4 Vehicles $3,635 $641

Savings on 2 Vehicles bundle:$321

Savings on 3 Vehicles bundle:$481

Savings on 4 Vehicles bundle:$641


St. Johnsbury, 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. Johnsbury, VT.

Location Average Insurance Cost Post DUI Insurance Rate
St. Johnsbury $1,069 $2,209
Kirby $1,092 $2,257
Lyndonville $1,055 $2,180
Caledonia County $1,071 $2,213
Danville $1,093 $2,259
Lyndon $1,065 $2,201
Waterford $1,103 $2,279
Concord $1,051 $2,172

St. Johnsbury, 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) $917
Excellent (740-799) $1,047
Good (670-739) $1,114
Average (580-669) $1,453
Poor (300-579) $1,744

St. Johnsbury, 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
Farm Country Insurance Inc Travelers 1951 MEMORIAL DR, ST JOHNSBURY CENTER, 5819 802-748-8081
Nwj/The Sawyer Agcy None Green , Danville, 5828 None
Sawyer & Ritchie Agency Liberty Mutual Independent 198 ROUTE 2 W, DANVILLE, 5828 (802) 684-3411
Denis Ricker & Brown Liberty Mutual Independent 23 CHURCH ST, LYNDONVILLE, 5851 802-626-3354
Denis Ricker & Brown Allstate 2 PIONEER ST, MONTPELIER, 5602 802-229-0563
Jamieson Insurance Agency Liberty Mutual Independent 5523 Main Street, Waitsfield, 5673 (802)275-0568

St. Johnsbury, 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 $1,116
Driver's Failure In Showing Documents +$104 $1,173
Driving With An Expired Registration +$110 $1,179
Driving At A Considerably Slow Pace +$232 $1,301
Using A Cellphone While Driving +$245 $1,314
Running A Red Light +$249 $1,318
Speeding +$262 $1,331
Driving A Vehicle Without The Required Permission +$332 $1,401
Driving With An Expired/Suspended License +$721 $1,790

St. Johnsbury, 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 $1,026
Active Disabling Device $1,026
Tracking Device $1,005
Passive Disabling Device $994