Cheap Car Insurance for High-Risk Drivers in Vermont:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Vermont (2021)

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
Average Monthly Cost
$119
$193
$169
$155
$143
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

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 History
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:

$119
$193
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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:

$119
$169
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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:

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

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.

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Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.