Here you’ll learn everything you need to know to buy the best car insurance policy in Montpelier for your particular situation. You’ll see which carriers are rated as the best car insurance companies for customer satisfaction and what the average car insurance rates are for your neighborhood.

You’ll also discover how much you can save from knowing how to make smart choices about coverage. And, find out how rates for Montpelier drivers are affected by tickets, accidents and adding teen drivers.

Key Highlights
  • The average car insurance rate for Montpelier drivers for minimum coverage is $299 a year, according to analysis.
  • The liability coverage in Montpelier, VT costs $322 per year.
  • In Montpelier, full coverage car insurance policy costs $1,056 a year.
  • As per research, in Montpelier, comparing quotes from companies can help you save an average $1,064 on your car insurance rates annually.
Written by:
Ashlee Tilford
Managing Editor
Ashlee is a dynamic business writer with a special focus on finance. With an MBA and more than twelve years in the finance industry, Ashlee brings a practical and relatable perspective to the area of business writing. She is passionate about personal finance and empowering others with the knowledge to succeed. When she isn’t writing, Ashlee manages a team of supply chain professionals at a university and enjoys spending free time with her partner and dog on their farm in Kentucky.

Who Has The Best Car Insurance in Montpelier, VT?

Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some it may be price, while others may value customer service the most. Still others may be looking for the convenience of mobile apps, or a company that offers the most car insurance discounts.

Below we list car insurance companies in Montpelier, and who they are the best at serving, based on’s customer satisfaction survey of current policy holders and rate data analysis.

Best forCompany
Customer ServiceSafeco
Low Annual MileageState Farm Mutual Auto
Good StudentState Farm Mutual Auto
BundleAllstate F&C
Paid in FullProgressive Northern

Cheap Car Insurance in Montpelier, Vermont

Find below the cheapest car insurance rates in Montpelier, based on our rate analysis for three different coverage levels. The driver profile is for age 30, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below

CompanyLiability Only – State Minimum BI/PDLiability Only – 50/100/50 BI/PDFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll
USAA Casualty Ins Co$139$152$638
GEICO General Ins Co$211$231$885
Allstate F&C Ins Co$212$232$1,397
Concord General Mutual Ins Co$238$269$836
State Farm Mutl Automobile Ins$242$282$762
Main St Am Protection Ins Co$344$390$875
Nationwide Mutual Ins Co$418$416$796
Progressive Northern Ins Co$497$543$1,679
Metropolitan P&C Ins Co$503$496$1,720

Car Insurance Coverage – How Much Car Insurance do I Need in Montpelier?

Below we’ll explain what coverage you need to drive legally, which is your state required minimum liability limits, and what types of car insurance you may need to be truly protected.

Minimum Car Insurance Requirements in Montpelier

Vermont car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers, and your vehicle.

If you have a newer model car, it makes sense to get comprehensive insurance and collision coverage. In Vermont, comprehensive costs $175 and collision costs $541, on an average per year, according to a rate data analysis done by

These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.

The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy.

To protect your assets, you should buy liability insurance in the following amounts:

  • $1,00,000 to pay for others’ medical bills
  • $3,00,000 to pay for injuries to others in an accident you cause
  • $1,00,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Average Car Insurance Rates in Montpelier

The average rate for Montpelier drivers for a year of minimum coverage is $299 according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just about $1.92 more a month, or $23 more a year.

You can get full coverage (100/300/100) by paying $63.08 more a month, or an additional $757 a year more than minimum-level coverage.

Montpelier average for:

  • Minimum coverage: $299
  • 50/100/50: $322
  • 100/300/100: $1,056

Compare Car Insurance Quotes in Montpelier – How to Save on Insurance Policy?

You can save an average of $1,064 annually on a full coverage policy in Montpelier by comparing car insurance quotes, according to’s rate analysis. While savings will depend on your particular circumstances, this shows that there is a significant benefit to shopping your policy.

Montpelier Car Insurance FAQ’s

How much does insurance go up after a speeding ticket in Montpelier?

A speeding ticket in Montpelier will hike your car insurance rates by an average of 28% , or about $438 yearly.’s rate analysis shows how much more drivers in Montpelier can expect to pay, on average, for speeding and other common violations.

Minor traffic violations, such as speeding, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date. More severe infractions, such as DUI, typically stay on your record much longer.

How much does insurance go up for tickets in Montpelier?

Montpelier drivers can expect to see a hike in their rates in the range of 29% for minor moving violations such as tailgating or blowing through a stop sign, 64% for more severe infractions such as DUI.

Below you’ll see how much rates increase, on average, for common traffic violations.

Remember, though, that because insurance companies assess risk differently, you can still save by comparison shopping, because one carrier may ding you a lot for a citation, while another may spike your rate by much less.

ViolationAverage rateRate after violation$ Increase% Increase
2 speeding tickets 11 mph or over$1,539$2,136$59739%
Careless driving$1,539$2,100$56136%
Distracted driving ticket$1,539$2,035$49632%
Driving without a license or permit$1,539$1,960$42127%
Driving without insurance$1,539$1,646$1077%
DUI/DWI first offense$1,539$2,503$96463%
DUI/DWI second offense$1,539$4,043$2,504163%
Failure to stop$1,539$1,887$34823%
Failure to yield$1,539$1,794$25517%
Following too closely$1,539$1,794$25517%
Improper turn$1,539$1,794$25517%
Improper/illegal pass$1,539$1,794$25517%
Operating a vehicle in a race (highway racing)$1,539$2,395$85656%
Reckless driving$1,539$2,432$89358%
Seatbelt infraction$1,539$1,714$17511%
Talking on cellphone ticket$1,539$1,794$25517%
Texting ticket$1,539$1,794$25517%

How much does it cost to add a teen driver to your insurance?

In Montpelier, adding a 16-year-old daughter to your policy will hike your rates by $1,339 annually, or 127% It’s more for boys. Insuring your 16-year-old son will increase your yearly rate by $1,602, or 152% according to rate data.

Teen drivers are inexperienced, and are involved in more accidents than older drivers, according to federal research, and insurance companies categorize them as high-risk drivers, so they cost more to insure.

If you’re insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our “Parents guide to insuring a teen driver.”

How much is SR-22 insurance in Montpelier? data show that for drivers in Montpelier, your rate will go up by an average of $744 or 48%. If you’re convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf.

An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.


Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for, and Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like and and managing content, now at

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Managing Editor

Ashlee is a dynamic business writer with a special focus on finance. With an MBA and more than twelve years in the finance industry, Ashlee brings a practical and relatable perspective to the area of business writing. She is passionate about personal finance and empowering others with the knowledge to succeed. When she isn’t writing, Ashlee manages a team of supply chain professionals at a university and enjoys spending free time with her partner and dog on their farm in Kentucky.