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Jerry Data & Research
Cheapest car insurance in Colchester, Vermont (Nov 2024)
Cheapest car insurance in Colchester, Vermont (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Colchester, Vermont.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Colchester
- Best car insurance companies in Colchester
- Best cheap car insurance quotes in Colchester
- Average cost of car insurance in Colchester
- Car insurance quotes in Colchester by rating factors
- How do different factors impact your car insurance costs in Colchester?
- Cheap car insurance quotes in Colchester after driving violations
- Cheap car insurance quotes in Colchester by age
- Cheap car insurance quotes in Colchester based on insurance history
- Cheap car insurance quotes in Colchester for popular cars
- How to lower car insurance costs in Colchester
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Colchester
In Colchester, the average
auto insurance
policy costs about $85 per month for minimum coverage liability insurance, and about $172 per month for full coverage insurance. Colchester drivers pay 23% less than the Vermont
average. Conscious drivers in Colchester, Vemont visit Jerry every month because we make it easy for customers to
compare and buy car insurance policies
. Below, we’ll review some of the cheapest car insurance quotes Jerry found for Colchester customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $187 | Bruce, 35 Zip: 05446 | Buick Envision Essence | • 100,000/300,000 Liability • Comp / Collision |
| Travelers | $114 | Hettie, 35 Zip: 05446 | GMC Sierra K1500 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024Best car insurance companies in Colchester
No one car insurance company is the right fit for every driver. The primary reason is that every customer gets different
car insurance quotes
based on their profile—so the most affordable company differs for everyone. Besides price, you also have to consider factors such as claims handling and customer service. Jerry conducted the largest insurance survey in the nation to help drivers better compare the cheapest car insurance companies—and the results are surprising. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
The table below shows how drivers in Colchester rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Best cheap car insurance quotes in Colchester
Vermont has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in Colchester—and offers you the cheapest rate.
But minimum liability isn’t always enough. You should consider getting full coverage to cover the repair or replacement costs for your car.
Cheap minimum liability insurance quotes in Colchester
To hit the road legally, Colchester drivers need to meet Vermont minimum coverage limits for bodily injury liability and property damage liability
Vermont minimum liability coverage includes $25,000 in bodily injury liability per person, $50,000 per accident, and $10,000 for property damage. These coverages are commonly known as 25/50/10 insurance. With basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving your car.
Here are some examples of Colchester vehicle owners that Jerry recently assisted with obtaining minimum liability coverage.
Esther (24 years old)
$116
per month
Do you need more than minimum coverage in Colchester?
Most drivers in Colchester need coverage more significant than the 25/50/10 state minimum mandated by
Vermont car insurance laws
. In an at-fault accident, you’ll likely be responsible for medical bills and vehicle repairs well over the 25/50/10 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above that $10,000 property damage limit.
Remember,
Vermont’s car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to three years after a car accident—so your liability extends long past the initial accident! The bottom line: For optimum financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Colchester
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your vehicle. Full coverage includes comprehensive and collision coverage.
Collision coverage
covers the cost of fixing or replacing your car after an accident. In contrast, comprehensive coverage
pays out if your vehicle is stolen or damaged by something other than a crash, like vandalism, theft, or natural disasters. If you have a loan on the car, your bank will typically require both collision and comprehensive coverage. On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. The table below shows some recent examples of the cheapest Colchester full coverage quotes that Jerry’s agents helped our customers obtain.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Nationwide | $92 | Troy, 35 Zip: 05446 | GMC Sierra K1500 |
• State Minimum Liability • Comp / Collision | Safeco | $137 | Ola, 35 Zip: 05446 | Buick Envision Essence |
Last Updated Nov 19, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Average cost of car insurance in Colchester
After analyzing scores of insurance providers in Colchester, we have discovered that the average price for minimum liability coverage amounts to be $85 per month or $1,020 per year. Additionally, residents of Colchester can expect to pay an average of $172 per month or $2,064 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Car insurance quotes in Colchester by rating factors
Insurance companies in Colchester use many rating factors when
deciding your auto insurance premium
: - Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Colchester?
How do different factors impact your car insurance costs in Colchester?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Vermont currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Colchester:
Cheap car insurance quotes in Colchester after driving violations
Your
Vermont driving record
heavily impacts your auto insurance quotes. If insurance providers see a history of violations, they may consider you a higher risk and charge a higher rate. Common violations that could increase your insurance rates include the following:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Colchester after DUI
Getting a
DUI in Vermont
can increase your insurance rates and label you as a high-risk driver
. If you have a DUI on your record, car insurance rates can vary significantly from one insurance company to another. You should compare rates from many insurance companies to find low-cost options after a DUI.Jerry has helped many Colchester drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Colchester after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history. Vermont is an at-fault state. If you caused an accident in the recent past, your car insurance rates may skyrocket. Jerry has helped many Colchester drivers save on car insurance following accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $187 | Michael, 34 Zip: 05446 | Buick Envision Essence | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Progressive | $470 | Oscar, 22 Zip: 05446 | Infiniti Q50 | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $137 | Rodney, 34 Zip: 05446 | Buick Envision Essence | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest car insurance in Colchester after other driving violations
Besides speeding tickets and DUIs, violations like
reckless driving
and driving on a suspended license can also cause your car insurance costs to rise in Colchester.We’ve compiled a list of various other driving offenses and how we helped drivers with these violations save on their car insurance.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Driving on Sus. License | Progressive | $123 | Jeremiah, 52 Zip: 05446 | Subaru Forester Sport | • State Minimum Liability • Comp / Collision |
Last Updated Nov 17, 2024Cheap car insurance quotes in Colchester by age
Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again around the age of 75.
Cheapest car insurance in Colchester for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Colchester. Full coverage provides better financial protection for teen car owners that drive newer cars, as teens are more likely to get into accidents—and staying on a parent’s policy is the best way to keep rates low.Esther (24 years old)
$116
per month
Cheapest car insurance in Colchester for senior drivers
Car insurance premiums begin to rise once more when you reach your mid-70s.
Car insurance rates for seniors
tend to be higher due to several reasons. Older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision, leading to substantial medical expenses and higher costs for insurance providers.
Cheap car insurance quotes in Colchester based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Dominic (34 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Colchester, VT (Zip Code: 05446)
$187
per month
Mason (34 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Colchester, VT (Zip Code: 05446)
GMC Sierra K1500$92
per month
Isabelle (34 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Colchester, VT (Zip Code: 05446)
GMC Sierra K1500$114
per month
Phillip (34 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Colchester, VT (Zip Code: 05446)
$187
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in Colchester for popular cars
The type of car you drive plays a major role in determining your car insurance premium. Costs associated with the type of car include the cost of repairs or replacements, the likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Colchester include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Ford Ford_f-150 | Nationwide | $66 | Devin, 40 Zip: 05449 | • 100,000/300,000 Liability • Comp / Collision |
| Toyota RAV4 | Safeco | $63 | Hulda, 36 Zip: 05439 | • 100,000/300,000 Liability |
Last Updated Nov 21, 2024How to lower car insurance costs in Colchester
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Colchester?
People living in Colchester pay on average $85 per month – or $1,020 per year – on state-minimum liability coverage. Full coverage in Colchester costs on average $172 per month or $2,064 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Colchester?
Based on thousands of Colchester drivers Jerry has worked with, car insurance in Colchester costs an average of $74 per month for state-minimum coverage and $166 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Colchester?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Progressive
received good ratings from Colchester drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Colchester, Vermont?
The state-minimum car insurance in Colchester, Vermont is $25,000 in bodily injury liability per person, $50,000 per accident, and $10,000 for damage to property. These coverages are commonly referred to as 25/50/10 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.