Cheap Auto Insurance Quotes in Rutland, VT (2021)

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Anyone looking to live in a quiet New England town would be excited to call Rutland home. Roughly 17,000 people live in this small city situated north of the Green Mountain National Forest. Rutland features two main highways that traverse the area, with surface streets arranged in an easy-to-navigate pattern. Drivers here would be wise to carry a robust auto insurance policy, as driving in winter weather can be difficult.

Car Insurance in Rutland, VT

The average cost of Vermont car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Rutland, VT to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$47
$54
$76
$105
$129
AllstateGEICOState FarmTravelersLiberty Mutual
Monthly $

Cheapest Car Insurance in Rutland, VT

Here are the cheapest carriers in Rutland for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$106
$119
$115
$104
$95
$95
VermontBurlingtonSouth BurlingtonColchesterEssex JunctionRutland
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Rutland, VT Driving Facts

vermont

Minimum Car Insurance Requirements in VT

Understanding car insurance requirements is key to getting the best coverage at the best rate. Remember that minimums are named minimum for a reason. You may need to carry higher limits depending on your specific situation. 

The Vermont car insurance requirements are:

  • $25,000/$50,000 bodily liability coverage per person/accident
  • $10,000 property damage liability coverage
  • $50,000/$100,000 uninsured motorist bodily injury coverage
  • $10,000 Uninsured motorist property damage coverage

That final requirement may or may not have a $150 deductible depending on the coverage options you choose. Be sure to speak with your insurance agent if you have any questions. 

Rutland Car Insurance Rates by Driver Age

Young adults in their 20s will find it tough to pay the rent and squeak out a car insurance payment at $286 per month. In the Green Mountain State, more experience behind the wheel means paying less for car insurance. For this reason, twentysomethings will feel a bit better when their price drops in their 30s by over $60 per month, or $720 per year. Entering middle age, the rates jump up because people in their 40s buy larger vehicles to accommodate growing families. In Rutland, it’s hard to get close to the state average of $142.

Driving History
No Violation$84
Speeding TicketN/A
Number of QuotesN/A
At-Fault AccidentN/A
Number of QuotesN/A
Failure to Stop for Red Light / Stop Sign$132

Rutland Car Insurance Rates by Driving and Accident History

Vermont’s drivers know that safe driving brings multiple rewards. Residents ride with peace of mind and a sense of security on the road. And insurance companies reward responsible motorists with “good driver” and “accident-free” discounts. Speeding past one stop sign or red light could easily make the deals disappear, shooting the bill up by over $45 per month, or $540 per year. The good news is violations and accidents stop affecting insurance rates after three years of careful driving.

Rutland Car Insurance Rates by Credit Tier

Vermonters occasionally scratch their heads trying to figure out how their credit score plays into their ability to drive. The law says that insurance companies can assess credit when setting rates. Naturally, those with the best credit pay the least. So why do people with poor credit pay less than those with average credit? Those with better credit may finance costlier cars and need more coverage to protect their assets. But the difference between the two was only $8 per month.

Rutland, VT DMV Information

Only one DMV office serves the residents of Rutland, with hours from 8 a.m. to 4 p.m. Monday through Friday. It’s located north of the city, and while it may be difficult for those with full-time jobs to visit during business hours, most residents note that the staff is extremely helpful. Anyone who needs to access DMV services likely won’t experience a very long wait time at this location.

Public Transportation in Rutland, VT

Getting around Rutland without a vehicle isn’t impossible, although, for such a small city, it’s only natural to expect that public transportation won’t be robust. There are fixed bus routes that serve a portion of the area, and rideshare services like Uber or Lyft are nearly always available. During nice weather, some individuals may decide to travel via bicycle or on foot, although the feasibility of this will depend on where you need to go.

Conclusion: How to get the best and cheapest car insurance in Rutland, VT

Rutland is a beautiful city that offers a small-town feel, one that translates onto the road nearly every time you get behind the wheel. Rarely will you have to deal with traffic jams, although during inclement weather, you could experience your fair share of stressful driving. It’s important to have proper auto coverage here, as accidents due to snow or ice can happen easily.

Drivers in Rutland don’t have to pay more for car insurance when they use Insurify. After answering a few simple questions, you can determine which policy will best meet your driving and budgetary needs and then enroll with ease. Insurify can help you save time and money.

Find local Rutland agents

Smith Insurance Agency 
128 Merchants Row, Rutland, VT 05701-5911
Wehse & Kinney Insurance, Inc. 
1085 Rt 4 E, Rutland, VT 05701
Ross Insurance & Company 
455 West St., Rutland, VT 05702-0140
Hull Maynard Hersey Insurance Services 
105 Center St, Rutland, VT 05701-4020
NFP 
54 Woodstock Ave, Rutland, VT 05701
'People''s United Insurance Agnecy '
87 West St., 2nd Fl, Rutland, VT 05701
Kinney Pike Insurance, Inc. 
98 Merchants Row, Rutland, VT 05701-5903
The Richards Group 
92 Center St, Rutland, VT 05701
Cavalieri Insurance Agency
51 Merchants Row, Rutland, VT 05701
The Rabideau Agency, Inc.
144 Woodstock Ave, Rutland, VT 05701

Insurify Insights: How Rutland Drivers Measure Up

jeep
Jeep Grand Cherokee
Most Popular Car in
Rutland, VT
suspended licenses
#--
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Rutland drivers measure up to their fellow Vermont motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle Rutland

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Rutland is the Jeep Grand Cherokee.

DUI/DWIs Rutland

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Rutland drivers rank -- in the number of DUI’s per driver across all cities in Vermont.

  • Rank within state: #--
  • Percent of drivers in Rutland with a DUI: %
  • Drivers in Rutland, VT with a DUI in their driving history paid on average % more than drivers with a clean record

Speeding Rutland

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Vermont, Rutland drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Rutland with a speeding ticket: %
  • Drivers in Rutland, VT with a speeding ticket in their driving history paid on average % more than drivers with a clean record

FAQs - Rutland, VT Car Insurance

How expensive is auto insurance in Rutland?

Drivers in Rutland can typically expect to pay a bit less than the national average for car insurance, as this small city doesn’t experience enough collisions to dramatically raise rates for everyone. Keep in mind that your policy pricing will be determined on your own driving history along with other factors.

Do I have to purchase collision coverage to drive in Rutland?

Unlike other states, Vermont doesn’t require drivers to enroll in collision coverage before they hit the road. Instead, Rutland residents will need bodily injury, property damage, and uninsured motorist protection.

Where can I save money on my car insurance in Rutland?

Residents here are always on the hunt for a great deal, and with Insurify, you can easily save money on your auto policy. Visit Insurify today to compare quotes and enroll in a policy quickly and easily.

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.