Compare Colchester, VT Car Insurance Rates (2021)

Car insurance in Colchester, VT averages $262 a month. Colchester, Vermont car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Colchester car insurance rates, compare quotes from the top car insurance companies in Colchester, VT.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Colchester for teen drivers is USAA
  • Average car insurance rates in Colchester, VT are $3,148/year
  • The cheapest ZIP code in Colchester is 5446

If you need to buy Colchester, Vermont car insurance, the options can be confusing. Everything you need to know about car insurance in Colchester, VT is right here.

You’ll find Colchester car insurance rates, the cheapest Colchester, VT car insurance companies, and information on Vermont car insurance laws. You can also compare Colchester, Vermont car insurance rates to Rutland car insurance rates, Newport car insurance rates, and St. Albans car insurance rates.

Ready to find affordable Colchester, VT car insurance today? Enter your ZIP code for fast, free Colchester car insurance quotes.

Cheapest Colchester, VT Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Colchester, VT car insurance rates? Every Colchester, Vermont car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Colchester, Vermont

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,222 $2,222 $2,120 $2,120 $5,295 $6,981 $2,521 $2,767
GEICO $1,683 $1,564 $1,654 $1,507 $3,845 $4,483 $1,419 $1,390
Liberty Mutual $1,926 $2,083 $1,702 $1,914 $8,292 $9,225 $2,206 $2,332
Nationwide $1,429 $1,452 $1,287 $1,356 $3,487 $4,430 $1,641 $1,766
Progressive $3,208 $3,174 $2,874 $2,884 $9,946 $10,881 $3,277 $3,483
State Farm $2,447 $2,447 $2,191 $2,191 $7,290 $9,371 $2,729 $3,026
USAA $1,097 $1,101 $1,027 $1,021 $3,536 $3,693 $1,499 $1,564

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Minimum Car Insurance in Colchester, VT

Every driver must carry the minimum car insurance in Colchester, VT. Take a look at the Vermont car insurance requirements.

Minimum Required Car Insurance Coverage in Colchester, Vermont

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Colchester, VT Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Colchester, VT. Compare credit history car insurance rates in Colchester from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Colchester, Vermont

Insurance Company Poor Fair Good
Allstate $4,023 $3,073 $2,747
GEICO $3,548 $1,868 $1,163
Liberty Mutual $5,540 $3,184 $2,406
Nationwide $2,427 $2,019 $1,872
Progressive $5,704 $4,784 $4,409
State Farm $6,966 $2,972 $1,946
USAA $2,621 $1,569 $1,261

Cheapest Colchester, VT Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Colchester, VT to rates for a clean record with top companies.

Annual Colchester, Vermont Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,722 $3,595 $3,703 $3,104
GEICO $1,411 $2,350 $3,272 $1,739
Liberty Mutual $3,266 $3,903 $4,147 $3,524
Nationwide $1,689 $2,164 $2,717 $1,854
Progressive $4,186 $6,059 $4,702 $4,916
State Farm $3,598 $4,325 $3,961 $3,961
USAA $1,385 $1,749 $2,594 $1,540

Cheapest Colchester, VT Car Insurance for Teen Drivers

Teen car insurance in Colchester, VT can be expensive. Take a look at rates from the top car insurance companies in Colchester for teenagers.

Annual Car Insurance Rates for Teen Drivers in Colchester, Vermont

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,295 $6,981
GEICO $3,845 $4,483
Liberty Mutual $8,292 $9,225
Nationwide $3,487 $4,430
Progressive $9,946 $10,881
State Farm $7,290 $9,371
USAA $3,536 $3,693

Cheapest Colchester, VT Car Insurance for Seniors

Take a look at Colchester, VT senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Colchester, Vermont

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,120 $2,120
GEICO $1,654 $1,507
Liberty Mutual $1,702 $1,914
Nationwide $1,287 $1,356
Progressive $2,874 $2,884
State Farm $2,191 $2,191
USAA $1,027 $1,021

Cheapest Colchester, VT Car Insurance Rates After a DUI

A DUI in Colchester, VT increases car insurance rates. Compare Colchester, Vermont DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Colchester, Vermont

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,703
GEICO $3,272
Liberty Mutual $4,147
Nationwide $2,717
Progressive $4,702
State Farm $3,961
USAA $2,594

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Cheapest Colchester, VT Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Colchester, VT by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Colchester, Vermont

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,217 $3,345
GEICO $2,162 $2,224
Liberty Mutual $3,710 $3,710
Nationwide $2,106 $2,106
Progressive $4,966 $4,966
State Farm $3,835 $4,088
USAA $1,796 $1,839

Cheapest Colchester, VT Car Insurance Rates by ZIP Code

Colchester car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Colchester, VT.

Annual Car Insurance Rates by ZIP Code in Colchester, Vermont

ZIP Code Average Annual Rates
5439 $3,197
5446 $3,099

The Best Cheap Car Insurance Companies in Colchester, VT

Take a look at a side-by-side comparison of the top car insurance companies in Colchester, VT to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Colchester, Vermont

Insurance Company Average Annual Rates
Allstate $3,281
GEICO $2,193
Liberty Mutual $3,710
Nationwide $2,106
Progressive $4,966
State Farm $3,961
USAA $1,817

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Category Winners: Cheapest Car Insurance in Colchester, Vermont

Find the cheapest car insurance companies in Colchester, VT for each category right here.

Best Annual Car Insurance Rates by Company in Colchester, Vermont

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Colchester, VT Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Colchester car insurance rates. Find the cheapest Colchester, VT car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Colchester, Vermont

Insurance Company Low Medium High
Allstate $3,210 $3,276 $3,357
GEICO $2,114 $2,194 $2,271
Liberty Mutual $3,490 $3,703 $3,936
Nationwide $2,143 $2,116 $2,059
Progressive $4,711 $4,901 $5,285
State Farm $3,731 $3,983 $4,171
USAA $1,756 $1,815 $1,881

What affects car insurance rates in Colchester, Vermont?

What factors can have an impact on Colchester, VT car insurance? There are several reasons why Colchester car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Colchester, Vermont.

Car Theft in Colchester

High levels of vehicle theft can make car insurance more expensive. Colchester, VT car theft statistics from the FBI indicate 0 vehicle thefts a year.

Traffic in Colchester

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Colchester, VT traffic data from INRIX ranks Colchester as the 296th-most congested in the world.

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Compare Car Insurance Quotes in Colchester, VT

Ready to find affordable Colchester, Vermont car insurance today? Enter your ZIP code for fast, free Colchester, VT car insurance quotes.

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