Burlington Car Insurance

How much does car insurance cost in Burlington, VT? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Burlington?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Vermont has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Burlington typically pay around $87.16 per month compared to the national average of $140.70 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $140.70
Vermont $77.63
Burlington, Vermont $87.16

Burlington, VT Best Car Insurance Companies

car insurance in Burlington

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Burlington coming in around $69.78 per month. Other companies to consider if you live in Burlington is Liberty Mutual with an average cost of $77.67 per month and Dairyland Auto which typically runs around $89.73 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Burlington.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $69.78-10.11%
2 Liberty Mutual $77.670.04%
3 Dairyland Auto $89.7315.58%
4 Concord Group $91.9518.43%
5 Unitrin $92.5919.27%
6 Nationwide $106.7337.48%
7 Vermont Mutual $121.1856.09%
8 SAFECO $121.5856.61%
9 Co-Operative Ins Companies $136.9276.36%
10 Union Mutual Fire Group $137.3476.90%

How Much is Car Insurance in Burlington, VT?

how much is auto insurance in Burlington

Rates can vary from city to city. The residents of Brattleboro typically pay $82.88 per month while people who live in Brookfield will pay $53.42 per month on average. See what people pay for car insurance in other cities in Vermont.

Vermont CitiesMonthly Average Rate
Brattleboro$82.88
Brookfield$53.42
Burlington $87.16
Colchester$78.25
Essex Junction$76.60
Fairlee$57.50
Montpelier$68.30
North Pomfret$72.25
Rutland$77.44
Saint Albans$89.22
South Burlington$69.29
Waterbury$78.45
White River Junction$75.35

Cheap Car Insurance in Burlington by Zip Codes

find cheap auto insurance in Burlington

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Vermont. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Burlington, VT ZIP CodeAverage Monthly Rate
05401$87.94
05405$44.74
05408$86.34

Car Insurance Rates by Driver's Age Group in Burlington

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $249.69 per month in Burlington. Compare that to drivers in their 30’s who typically pay around $76.38 per month drivers in their 40s at $71.08 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$249.69
20s$103.05
30s$76.38
40s$71.08
50s$61.67
60s$53.72
70+$78.15

Cheapest Insurance for Teenage Drivers in Burlington

If you are teen in Burlington you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Concord Group typically charges around $163.77 per month. This is likely the most affordable option in Burlington. You might also want to consider State Farm and Unitrin who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Concord Group$163.77
State Farm$180.02
Unitrin$230.50
Vermont Mutual$260.28
Nationwide$287.87

Cheapest Insurance for 20 Year-olds in Burlington

20 year-olds in Burlington might want to consider State Farm who, on average, offers car insurance rates around $79.07 per month. Unitrin , Concord Group , Nationwide and Allstate are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$79.07
Unitrin$89.83
Concord Group$119.04
Nationwide$138.19
Allstate$179.64

Cheapest Insurance for 30 Year-olds in Burlington

If you are in your 30s in Burlington our research has found that State Farm typically has the most affordable coverage coming in around $65.76 per month, followed by Unitrin at $68.67 and Union Mutual Fire Group at $84.19.

CompanyAverage Monthly Rate
State Farm$65.76
Unitrin$68.67
Union Mutual Fire Group$84.19
Nationwide$91.86
Concord Group$95.49

Cheapest Insurance for 40 Year-olds in Burlington

On average, State Farm offers car insurance for 40 year-olds in Burlington for around $50.32 per month. If you are looking for affordable coverage, you may also want to consider Concord Group or Union Mutual Fire Group. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$50.32
Concord Group$64.50
Union Mutual Fire Group$69.04
Unitrin$71.00
Nationwide$75.00

Cheapest Insurance for 50 Year-olds in Burlington

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Burlington we found that Unitrin generally offers the most affordable coverage at $48.17 per month.

CompanyAverage Monthly Rate
Unitrin$48.17
State Farm$50.71
Liberty Mutual$50.75
Union Mutual Fire Group$52.05
Concord Group$61.07

Cheapest Insurance for 60 Year-olds in Burlington

If you live in Burlington and you’re in your 60s, our data indicates that State Farm usually has the best rates at $45.17 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$45.17
Unitrin$55.83
Concord Group$61.72
Vermont Mutual$62.36
Union Mutual Fire Group$62.71

Driver's Coverage Auto Insurance Rates in Burlington, VT

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Burlington, the average monthly rate for a driver who is currently insured is $81.64 while drivers who are not currently covered will pay around $103.75.

CoverageAverage Monthly Rate
Not Currently Insured $103.75
Currently Insured $81.64

Compare Recent Car Insurance Quotes in Burlington

auto insurance quotes in Burlington city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Burlington a driver of a 2021 Lexus GX can expect to pay around $99.12 per month while someone that owns a 2009 Hyundai Sonata may pay around $112.58 per month. Check out the list of recent quotes in Burlington below.

VehicleAverage Monthly Rate
2021 Lexus GX$99.12
2009 Hyundai Sonata$112.58
2012 Buick Regal$67.62
2015 Hyundai Sonata$99.00
2008 Toyota Yaris$52.02
2021 Nissan Rogue$84.18
2020 Chrysler 300$158.42
2006 Ford Fusion$64.47

FAQ's for Drivers in Burlington, VT

driver’s frequently asked question in Burlington

What Is the Minimum Liability Coverage Requirement in Burlington, VT?

Every state requires drivers to have a minimum amount of liability coverage. Vermont drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Vermont drivers are obligated to carry minimum limits of $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident, and $10,000 property damage liability coverage.

This is a fault, or tort, state. Residents may file a claim through their own carrier or through the at-fault party’s insurer, and they may also file a personal injury lawsuit.

What Is the Blood Alcohol Concentration (BAC) limit in Burlington, VT?

It’s illegal to drive in Vermont with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

In Vermont, you don’t have to display outward signs of intoxication to be arrested for DUI if you register a BAC of at least 0.08%. Conversely, if you are showing any signs of impairment in a police officer’s opinion, you don’t have to have a BAC of at least 0.08% to be arrested and convicted for driving under the influence of alcohol or drugs.

What are the consequences of being convicted of a DUI?

DUI penalties vary in Vermont depending on certain circumstances. For example, the number of prior convictions has great bearing on the consequences, and registering a BAC of 0.16% or higher leads to enhanced penalties. Even for a first offense without enhanced penalties, violators of DUI laws may face a temporarily suspended license, fines and fees, possible imprisonment, compulsory installation of an ignition interlocking device, and other penalization.

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Commute Time in Burlington, VT

18.5 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Burlington, VT

78

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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