Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Middlebury, VT
We monitor insurance prices, helping the average driver in Middlebury save up to 31.8% on car insurance.
The Cheapest Minimum Coverage in Middlebury
The chart below shows the cheapest car insurance company in Middlebury 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.
| Middlebury Insurer | Monthly Cost |
|---|---|
| Kemper | $32 |
| State Farm | $38 |
| Safeco Insurance | $43 |
| Concord Group Insurance | $48 |
Savings for Every Kind of Middlebury Driver
Based on our extensive insurance data, we know the average Middlebury 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 $296 per year by choosing the right vehicle insurance company. Some Middlebury residents are paying out over $1,166 extra every year for auto insurance in Middlebury. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Middlebury, VT Savings / Yr. |
|---|---|
$296 |
|
$553 |
|
$353 |
|
$541 |
|
$1,068 |
|
$301 |
|
$520 |
Middlebury Car Insurance vs. Vermont
People living in Middlebury pay an average of 4.45% less than the typical driver in the state. The average driver in Middlebury can expect to pay about $641 per year, or $1,166 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Middlebury for most people.
Car Insurance Prices by Middlebury Neighborhood
Insurance Prices
Where is insurance cheapest within Middlebury?
The map shows insurance prices in and around Middlebury, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $57 per year within the city boundaries, with insurance premiums ranging from a high of $1,207 to a low of $1,150. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Middlebury.Pick the Best Car Insurance Company for You in Middlebury
The best car insurance provider for most drivers in Middlebury
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $296 over the average Middlebury car insurance company.
The best car insurance provider for Middlebury 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 $553 over the competition.
The best car insurance company for Middlebury drivers with speeding tickets
>Concord Group Insurance gave the average person with a speeding ticket the most savings, averaging $353 better than other car insurance companies.
The best auto insurance for Middlebury drivers with a DUI conviction
Getting a quote from Concord Group Insurance may cost the average person with a DUI about $541 less each year.
The least expensive car insurance company for new and young drivers in Middlebury
In Middlebury, Concord Group Insurance costs young drivers $1,068 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Middlebury
State Farm gave the largest car insurance discounts to married couples, averaging $301 saved each year compared to an average Middlebury couple's premiums.
The cheapest car insurance in Middlebury for drivers with bad credit
The best Middlebury car insurance company for customer service
Nationwide was the best company for customer service in Middlebury according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Middlebury, which was better than other insurers.
The cheapest large national provider in Middlebury
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Middlebury 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 Middlebury, 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 Middlebury
What Influences the Cost of Car Insurance in Middlebury?
On average, car insurance in Middlebury 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 Middlebury is 23 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Middlebury are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Middlebury has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Middlebury is $53 per month for minimum coverage and $97 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
- East Middlebury: Insurance costs 2.92% more
- Weybridge Hill: Insurance costs 0.69% less
- Cornwall: Insurance costs 1.29% less
- Weybridge: Insurance costs 0.77% less
- West Cornwall: Insurance costs 1.37% less
- West Salisbury: Insurance costs 0.60% less
- Salisbury: Insurance costs the same
- Ripton: Insurance costs 2.57% more
- New Haven: Insurance costs 0.43% less
- Cream Hill: Insurance costs 0.51% less
Cities with Similar Populations
- Princeton: Insurance costs 0.60% more
- Montvale: Insurance costs 62.95% more
- Morgan: Insurance costs 21.10% more
- Morrilton: Insurance costs 42.88% more
- Moscow Mills: Insurance costs 56.35% more
- Mosinee: Insurance costs 4.97% less
- Mount Horeb: Insurance costs 3.43% less
- Mount Orab: Insurance costs 3.34% less
- Mount Rainier: Insurance costs 103.43% more
- Moyock: Insurance costs 4.37% more