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Vermont Car Insurance for High Risk Drivers (With Quotes)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Insurance Companies for High Risk Drivers in Vermont (2022)

For drivers that are high-risk in Vermont, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Vermont. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Vermont.

What Makes a Driver High-Risk in Vermont?

Insurance companies define high-risk drivers as those who are more likely to file a claim than average drivers. Ending up on the list could be no fault of your own, or you can find yourself there by circumstances under your control. How do you know if you're high-risk?

If you're a first-time driver, teenage driver, or driver age 65 or older, you're high-risk. Likewise if you have poor credit or no credit. You also find yourself in the group for the following missteps: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. Regardless of how it happened, you can still find value-friendly rates in Vermont.

Vermont Car Insurance Rates for High-Risk Drivers

No Violation
$119
Failure to Stop
$143
Reckless Driving
$155
At-Fault Accident
$169
Speeding Ticket
$193

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in Vermont?

It could be a fender bender, a quick-changing traffic light, or a long commute that tempted you to speed, but no matter the culprit, you never intended to become a high-risk driver. Does that mean you're stuck paying more than everybody else forever?

Fortunately, most insurance companies limit their search to the past three years when looking at driver history. While you wait, compare coverages and quotes, avoid accidents and tickets, and shop around at renewal. All three will help you save, and in the meantime, here are the rates for different high-risk offenses:

Driving HistoryAvg. Monthly Cost
No Violation$119
Speeding Ticket$193
At-Fault Accident$169
Reckless Driving$155
Failure to Stop$143

How Much Does a Speeding Ticket Impact Car Insurance Rates in Vermont?

"Do you know why I stopped you?" "Yes, I'm sorry, officer. I was running late to work." It happens to almost everyone, but that doesn't stop your price from going up by over $70 per month, or $840 per year. Check out the change a little more pressure on the gas pedal makes:

No Violation - Avg. Monthly Rate
$119
Speeding ticket - Avg. Monthly Rate
$193
$74 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Vermont?

No one wakes up in the morning hoping to get in an accident. It's usually one quick distraction that makes all the difference. And in Vermont, that difference adds up to $50 per month, or $600 per year. Here's how the rate changes after a crash:

No Violation - Avg. Monthly Rate
$119
Speeding ticket - Avg. Monthly Rate
$169
$50 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Vermont?

You were only trying to beat the yellow and follow the flow of traffic. For some reason, the cop sees it differently. That little piece of paper he hands over will bump your premium up by over $20 per month, or $240 per year. Take a look at what may still be a competitive price:

No Violation - Avg. Monthly Rate
$119
Speeding ticket - Avg. Monthly Rate
$143
$24 ▴
Avg. Monthly Rate Increase

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Does Driving With a Suspended License Impact Car Insurance Rates in Vermont?

Insurance companies define high-risk drivers as those who are more likely to file a claim than average drivers. Ending up on the list could be no fault of your own, or you can find yourself there by circumstances under your control. How do you know if you're high-risk?

If you're a first-time driver, teenage driver, or driver age 65 or older, you're high-risk. Likewise if you have poor credit or no credit. You also find yourself in the group for the following missteps: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. Regardless of how it happened, you can still find value-friendly rates in Vermont.

Tips for Researching High-Risk Vermont Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Vermont draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Vermont Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Vermont. Insurify analyzed the latest data for the five most populous cities in Vermont to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Vermont and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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