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Cheap Auto Insurance Quotes in Rutland, VT (June 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

Quick Facts

  • The average cost of car insurance in Rutland is $109 per month, or $1308 annually.
  • Car insurance in Rutland is $26 less than the average cost of car insurance in Vermont.
  • The cheapest car insurance provider in Rutland on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Allstate
$47
GEICO
$54
State Farm
$76
Travelers
$105
Liberty Mutual
$129

Cheapest Car Insurance in Rutland, VT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in RutlandQuotes
Allstate$47 /mo
GEICO$54 /mo
State Farm$76 /mo
Travelers$105 /mo
Liberty Mutual$129 /mo

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Average Car Insurance Cost

Vermont Cities
Burlington$119/mo
South Burlington$115/mo
Colchester$104/mo
Essex Junction$95/mo
Rutland$95/mo
Vermont$106/mo
Essex Junction
$95
Rutland
$95
Colchester
$104
Average for VT
$106
South Burlington
$115
Burlington
$119
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Vermont

All motor vehicles operated or parked on Vermont roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Vermont[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Vermont is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per person for uninsured/underinsured motorist bodily injury
  • $100,000 per accident for uninsured/underinsured motorist bodily injury
  • $10,000 per accdient for uninsured/underinsued motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Vermont, this coverage is required for both bodily injury and property damage.

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.

Driver's AgeAvg. Monthly Cost
teensN/A
20s$132
30s$84
40s$84
50sN/A
60sN/A
70sN/A
80sN/A

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.

Driving HistoryAvg. Monthly Cost
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 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.

Credit TierAvg. Monthly Cost
ExcellentN/A
GoodN/A
Average$96
Poor$84

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
View more

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.

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.

FAQs - Rutland, VT Car Insurance

  • 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.
  • 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.
  • 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.

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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.

Insurify Insights

How Rutland Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Rutland, Vermont below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Rutland drivers measure up to their fellow motorists across Vermont in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

jeep

Jeep Grand Cherokee

Most Popular Car in Rutland

N/A

City with the Most Speeding Tickets Rank in Vermont

N/A

City with the Most Moving Violations Rank in Vermont

N/A

City with the Most DUIs Rank in Vermont

N/A

City with the Most Suspended Licenses in Vermont

  • 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.

  • 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: N/A
    • Percent of drivers in Rutland with a DUI: N/A
  • 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: N/A
    • Percent of drivers in Rutland with a speeding ticket: N/A
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. The Vermont Assembly. "State Minimum Car Insurance Requirements." Accessed May 28, 2022