Burlington car insurance premiums cost an average of $812 per year. That’s the same as the statewide average in Vermont. The cheapest widely available comprehensive coverage is from Vermont Mutual and costs an average of $479 per year. MoneyGeek ranked the most affordable insurers across varying coverage amounts and driving profiles to help you find the best deal for your profile.
Compare the Cheapest Car Insurance Quotes in Burlington, VT
The Cheapest and Best Car Insurance in Burlington
The Cheapest Car Insurance Companies in Burlington
For a full coverage car insurance policy, the company with the lowest rates in Burlington is:
- USAA: $389 per year (for military personnel and their families only)
- Vermont Mutual: $479 per year
MoneyGeek calculated the average car insurance rates across Burlington using a sample 40-year-old male driver with a full coverage policy. The policy in this study has comprehensive and collision insurance and liability coverage.
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Average Cost of Car Insurance in Burlington
The average annual cost of car insurance in Burlington is $812, which is on par with the state average and significantly lower than the national average. Drivers in Burlington typically spend about 43% less than the nationwide average on their premiums.
The Best Car Insurance Companies in Burlington
MoneyGeek ranked car insurance companies based on several elements, including the J.D. Power financial stability, affordability and user satisfaction scores.
Burlington drivers looking for insurance coverage that balances affordability with quality service can use MoneyGeek’s recommendations to identify the best insurer in the city.
Based on the scores, the best insurance carriers for most drivers are:
- State Farm: MoneyGeek score of 93 out of 100
- GEICO: MoneyGeek score of 93 out of 100
USAA received the highest score in Burlington by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
Personalized Quotes to Get You the Cheapest Car Insurance in Burlington
Insurers take into account several different factors to assess driver risk while determining car insurance quotes in Burlington. These factors can include age, driving experience, driving record, coverage level and the make and model of the vehicle. As an example, an 18-year-old driver in Burlington would be paying, on average, an extra $1,275 for a Vermont Mutual policy when compared to a 40-year-old driver. As your situation keeps changing, it is a good idea to get personalized quotes regularly to find savings opportunities, deals and discounts.
Shopping around for car insurance in Burlington could save you $333, which is enough to buy:
Cheapest Car Insurance in Burlington by Coverage Amount
The cost of car insurance in Burlington and elsewhere depends on how much coverage you purchase. A policy that only meets the state’s minimum requirements, for example, costs $412 per year on average. If you wish to buy a full coverage policy, you will pay around $812, which is $400 more.
Vermont Minimum Liability Requirements
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$50,000 per person, $100,000 per incident and $10,000 for property damage. The minimum coverage may not be enough if you're in a serious accident.
There are differences in terms of the level and type of coverage across different insurance plan options. For example, Vermont Mutual provides both liability-only and full-coverage 50/100/50 plans that cover $50,000 worth of medical expenses, totaling $100,000 for each vehicle, with $50,000 to repair property damage.
Their full-coverage policy is an average of $220 more expensive than the liability-only policy. You can also get a 100/300/100 full-coverage plan by spending around $273 more than the state minimum expense. Keeping the benefits of the extra coverage in mind, these might be worthwhile investments for you.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- 2.Vermont Mutual$206$253
- 4.Concord Group$355$398
- Company50 / 100 / 50per year100 / 300 / 100per year
- 2.Vermont Mutual$473$479
- 4.Concord Group$620$669
Cheapest Car Insurance in Burlington if You Have Driving Violations
Insurance rates can rise steeply if the driver has violations on their record. For example, in Burlington, MetLife policyholders who have been issued speeding tickets would have to pay around $350 more, on average, for their car insurance than drivers with clean records. Similarly, drivers with DUI violations on their records would pay $1,276 more than drivers with clean records for comparable coverage with MetLife.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 4.Vermont Mutual$569$479$1,848
- 5.Concord Group$752$862$1,096
Average Cost of Car Insurance by Postal Code
Your place of residence in Burlington has very little impact on the cost of your car insurance. Typically, price variation among different ZIP codes in Burlington is insignificant, as rates only vary by about $7 from neighborhood to neighborhood.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Burlington
In addition to individual driver needs and history, location-specific factors like the rate of car thefts and the percentage of uninsured motorists also contribute to car insurance rates in Burlington. How Burlington ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Burlington are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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