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.

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Insurance Rates

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

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Last Updated: 7/28/2022
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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.

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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.

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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.

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Insurance Rates

The Best Car Insurance Companies in Burlington

MoneyGeek scored the best car insurance companies in Burlington based on their average rates, claims rating and customer satisfaction ratings. We found the following companies offer the best car insurance in the city:

  • Allstate: MoneyGeek score of 83.2 out of 100
  • State Farm: MoneyGeek score of 79.4 out of 100

Since USAA only offers policies to military members, the company wasn’t included in MoneyGeek’s analysis. However, it received a score of 98.6 out of 100, making it the best car insurance company in Burlington.


1
State Farm
Score:93

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

The average cost of State Farm’s full coverage policy is $717 per year. The company has the highest score for customer satisfaction, ranks second for claims and third for affordability. It offers a unique coverage called rideshare insurance that could benefit drivers of ridesharing companies.

More About State Farm

State Farm offers rideshare insurance to policyholders. This type of coverage protects drivers working for ridesharing companies like Uber or Lyft by extending all coverages included in their personal auto policy, like medical, emergency roadside assistance and rental car reimbursement, as well as their personal policy deductible, while they’re waiting to be matched with a rider. After they start the ride, all coverages except liability insurance remain. Besides this coverage, State Farm also offers roadside assistance and rental car and/or travel reimbursement.

Read MoneyGeek's State Farm auto Insurance Review
2
Allstate
Score:88

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate’s full coverage policy costs an average of $652 per year. The company has the highest rating for claims and customer satisfaction, while it ranks second for affordability. It offers several unique coverages, one of which is portable electronics and media coverage.

More About Allstate

Allstate’s full coverage policies come with many common coverages, including roadside assistance, rental car and/or travel reimbursement, new car replacement, accident forgiveness, gap insurance and more. The company also offers unique coverages like custom parts, portable electronics and media and sound systems. With Allstate’s portable electronics and media coverage, the company will cover the cost of repairing or replacing any tapes, compact disks or other equipment that’s used with the auto sound system.

Read MoneyGeek's Allstate auto Insurance Review

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
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Most Rainy Days11th/300

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.