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Average Cost of Car Insurance in Burlington

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

The average annual cost ofcar 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.

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The Best Cheap Car Insurance Companies in Burlington

The most inexpensive car insurance company in Burlington is USAA. However, USAA provides services exclusively to current and former members of the military and eligible family members. The second most affordable among the car insurance companies in Burlington is Vermont Mutual. For most drivers, a policy with Vermont Mutual can often cost less than half as much as a similar policy with Progressive, the most expensive car insurance company in the city.

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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.

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Cheapest Car Insurance in Burlington by Coverage Amount

How much car insurance coverage you purchase in Burlington also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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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.

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 by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Burlington if You Have Tickets

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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
    $440
    $534
    $758
  • $784
    $851
    $784
  • $742
    $867
    $878
  • 4. Vermont Mutual
    $569
    $479
    $1,848
  • 5. Concord Group
    $752
    $862
    $1,096
  • $924
    $1,109
    $1,341
  • $817
    $1,214
    $2,021
  • $1,400
    $1,635
    $2,326
  • $1,716
    $2,250
    $1,578

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
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Personal Injury Protection RequiredNo
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Most Annual Rainfall136th/300
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Most Rainy Days11th/300

Shopping around for car insurance in Burlington could save you $333, which is enough to buy:


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111Cups of Coffee
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26Months of Your Favorite Streaming Service

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.

Compare Car Insurance Rates in Burlington

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

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.