Compare the Cheapest Car Insurance Quotes in Burlington, VT

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 Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Last Updated: 5/16/2022
Advertising & Editorial Disclosure
By     |  

Overall, Vermont Mutual averages the cheapest rates in Burlington and is the cheapest with a speeding ticket or for a state minimum policy. For military families, USAA may be the cheapest. For balancing customer service and cost, MoneyGeek ranked State Farm as the best company. The top choice for you depends on your coverage needs and personal profile.

iconribbonbestauto insuranceBurlington2022

The Cheapest and Best Car Insurance in Burlington

The Cheapest Car Insurance Companies in Burlington

On average, the cheapest companies for a full coverage policy in Burlington are:

  • Vermont Mutual: $479 per year
  • Allstate: $652 per year

Drivers with a military background are eligible for a full coverage policy with USAA, the cheapest in Burlington, with an average cost of $389 per year.

In Burlington, Progressive offers the most expensive full coverage policy — roughly $1,432 per year. That’s around 199% more than Vermont Mutual — the cheapest, open-to-all company.

In a full coverage policy, you get comprehensive and collision coverage and its price varies depending on how much liability coverage you include.

Cheapest Car Insurance in Burlington
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $389
  • 2.
    Vermont Mutual
    $479
  • 3.
    Allstate
    $652
  • 4.
    Concord Group
    $669
  • 5.
    GEICO
    $701
  • 6.
    State Farm
    $717
  • 7.
    Nationwide
    $797
  • 8.
    MetLife
    $1,050
  • 9.
    Progressive
    $1,432

MoneyGeek collected the average rates for a 40-year-old male driver in Burlington with a full coverage policy, in accordance with our methodology.

A full coverage policy costs more than a minimum coverage policy but is valuable since it includes liability and comprehensive and collision coverage to protect your car if damaged.

  • Comprehensive insurance: it covers non-accident damage, theft, and more.
  • Collision insurance: pays to repair your vehicle after an at-fault accident.

A full coverage policy for an older car may cost more than its value. In that case, you may choose minimum coverage or liability-only to get a cheaper rate.

Compare Car Insurance Rates in Burlington

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

Cheapest Car Insurance in Burlington for Minimum Coverage

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.

Cheapest Minimum Liability Car Insurance in Burlington
State Minimum

Vermont requires an auto insurance policy with at least 25/50/10 in liability limits and 50/100/10 uninsured motorist coverage. This minimum coverage policy is the cheapest in Burlington and saves you money, but you may pay out of pocket in an at-fault accident.

For example, if the passengers in the other vehicle have medical bills totaling $70,000, the policy only pays $50,000. You must cover the remaining $20,000.

Vermont Minimum Liability Requirements

  • Item
    Description
  • 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.

Cheapest Car Insurance in Burlington if You Have Driving Violations

Driving violations like a DUI, speeding ticket or at-fault accident significantly increase your car insurance in Burlington. On average, the following companies are cheapest in Burlington depending on the type of violation:

  • Cheapest after a speeding ticket: Vermont Mutual, $569 per year
  • Cheapest after an at-fault accident: Vermont Mutual, $479 per year
  • Cheapest after a DUI: State Farm, $784 per year

Open to people with a military background, USAA has the lowest-priced policy with a speeding ticket or DUI.

You can improve a poor driving record over time to get cheaper rates in Burlington. Until then, shop around for a policy that offers you the best deal with a violation.

Cheapest Car Insurance in Burlington With a Violation
Speeding Ticket

Average Cost of Car Insurance in Burlington

Burlington$812
Vermont$812
U.S.$1,424

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.

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.

Compare Car Insurance Rates in Burlington

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Burlington

MoneyGeek ranked car insurance companies in Burlington based on several elements, including J.D. Power’s 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 insurers 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 and is available to military members, veterans and their families. It is the best choice for them.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
State Farm
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:87.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
Nationwide
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

8
Hanover
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
MetLife
Score:77.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

10
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
MAPFRE Insurance
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Safety Group
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

13
Arbella Insurance Group
Score:72.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

14
Plymouth Rock Assurance
Score:72.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

15
Safeco
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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 Code
    State Minimumper year
  • 05408
    $809
  • 05401
    $816

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.

accident2 icon
Most Accidents With Fatalities276th/300
handcuffs2 icon
Most Car Thefts4th/300
uninsured icon
Most Uninsured Motorists by State47th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall136th/300
umbrella icon
Most Rainy Days11th/300

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.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.