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Get Cheap Car Insurance in Colchester, VT
We monitor insurance prices, helping the average driver in Colchester save up to 31.8% on car insurance.
The Cheapest Minimum Coverage in Colchester
The chart below shows the cheapest car insurance company in Colchester for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by State Farm, Safeco Insurance, and Concord Group Insurance.
| Colchester Insurer | Monthly Cost |
|---|---|
| Kemper | $33 |
| State Farm | $39 |
| Safeco Insurance | $43 |
| Concord Group Insurance | $48 |
Savings for Every Kind of Colchester Driver
Based on our extensive insurance data, we know the average Colchester driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $300 per year by choosing the right vehicle insurance company. Some Colchester residents are paying out over $1,181 extra every year for auto insurance in Colchester. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Colchester, VT Savings / Yr. |
|---|---|
$300 |
|
$560 |
|
$357 |
|
$548 |
|
$1,082 |
|
$305 |
|
$527 |
Colchester Car Insurance vs. Vermont
People living in Colchester pay an average of 3.20% less than the typical driver in the state. The average driver in Colchester can expect to pay about $650 per year, or $1,181 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Colchester for most people.
Car Insurance Prices by Colchester Neighborhood
Insurance Prices
Where is insurance cheapest within Colchester?
The map shows insurance prices in and around Colchester, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $89 per year within the city boundaries, with insurance premiums ranging from a high of $1,248 to a low of $1,159. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Colchester.Pick the Best Car Insurance Company for You in Colchester
The best car insurance provider for most drivers in Colchester
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $300 over the average Colchester car insurance company.
The best car insurance provider for Colchester drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $560 over the competition.
The best car insurance company for Colchester drivers with speeding tickets
>Concord Group Insurance gave the average person with a speeding ticket the most savings, averaging $357 better than other car insurance companies.
The best auto insurance for Colchester drivers with a DUI conviction
Getting a quote from Concord Group Insurance may cost the average person with a DUI about $548 less each year.
The least expensive car insurance company for new and young drivers in Colchester
In Colchester, Concord Group Insurance costs young drivers $1,082 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Colchester
State Farm gave the largest car insurance discounts to married couples, averaging $305 saved each year compared to an average Colchester couple's premiums.
The cheapest car insurance in Colchester for drivers with bad credit
The best Colchester car insurance company for customer service
Nationwide was the best company for customer service in Colchester according to the NAIC.
Recent price drops
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The cheapest large national provider in Colchester
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Colchester driver can expect to pay about $81 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Colchester, USAA has the best prices for drivers with a DUI conviction, married couples, young drivers, drivers with bad credit, drivers with accidents, drivers with speeding tickets, and good drivers.Auto Insurance Prices in and Around Colchester
What Influences the Cost of Car Insurance in Colchester?
On average, car insurance in Colchester is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Colchester is 26 minutes, which is far less than average for a driver in the state.
- Vermont state insurance regulations may allow for lower prices.
- An average of 21 to 22 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Colchester are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Colchester is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Colchester is $54 per month for minimum coverage and $98 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Winooski: Insurance costs 9.82% more
- Burlington: Insurance costs 6.94% more
- West Milton: Insurance costs 1.02% less
- Essex: Insurance costs 3.22% more
- South Burlington: Insurance costs 0.25% less
- Milton: Insurance costs 0.25% more
- Williston: Insurance costs 0.17% less
- Essex Junction: Insurance costs 0.76% less
- South Hero: Insurance costs 1.69% less
- Miltonboro: Insurance costs 0.34% more
Cities with Similar Populations
- Finneytown: Insurance costs 5.93% more
- Villanova: Insurance costs 19.14% more
- Uxbridge: Insurance costs 27.86% more
- Dexter: Insurance costs 51.31% more
- Dranesville: Insurance costs 7.54% more
- Durham: Insurance costs 5.33% more
- Eufaula: Insurance costs 28.70% more
- Los Alamos: Insurance costs 26.33% more
- Loomis: Insurance costs 63.42% more
- Farmville: Insurance costs 2.20% more