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Car Insurance Quotes in Rutland, VT

Full coverage / year
$1,122
State minimum / year
$328
Typical quote range
$797 – $1,549

Drivers in Rutland pay an estimated $1,122 a year for full coverage car insurance, or about $94 a month. Premiums here land roughly 11% under the Vermont average thanks to low traffic density and few comprehensive claims. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Rutland, VT

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$94/ month
$1,122 per year · carriers in Rutland, VT typically quote $797 – $1,549
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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Rutland, VT

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$853$71-24%Military members and families only
Geico$920$77-18%Usually cheapest for clean records
State Farm$987$82-12%Strong for young and student drivers
Progressive$1,066$89-5%Competitive after a ticket or accident
Travelers$1,088$91-3%Good multi-policy discounts
Nationwide$1,122$940%Mid-market, wide availability
Allstate$1,279$107+14%Higher base rate, heavy discount stacking
Farmers$1,358$113+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Rutland, VT. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Rutland

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$3,031$886$253
18 years old$2,557$747$213
20 years old$2,117$619$176
22 years old$1,759$514$147
25 years old$1,342$392$112
30 years old$1,157$338$96
40 years old$1,088$318$91
50 years old$1,041$304$87
60 years old$1,030$301$86
65 years old$1,076$315$90
70 years old$1,180$345$98
75 years old$1,377$402$115

Estimated premiums by age in Rutland, VT, clean record, sedan.

What a ticket, accident or DUI costs in Rutland

Driving recordEst. annualIncrease
Clean record$1,122—
1 speeding ticket$1,380+23%
1 at-fault accident$1,650+47%
DUI / DWI$2,121+89%

What a violation costs a 35-year-old in Rutland, VT. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Vermont

Every driver registering a vehicle in Vermont must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Vermont Department of Insurance.

Required coverage in VermontMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$10,000
Uninsured/underinsured 50/100/10Required
Insurance systemAt-fault (tort)

Coverage levels compared in Rutland

Coverage levelEst. annualEst. monthly
State minimum liability$328$27
Full coverage (100/300/100 + comp & collision)$1,122$94
Full coverage, high limits + low deductible$1,336$111

Coverage level comparison for Rutland, VT.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Rutland

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Rutland covers 05701, 05702 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Rutland, VT?
Full coverage in Rutland is estimated at $1,122 a year ($94 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $328 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Vermont?
Vermont requires at least $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage, plus uninsured/underinsured 50/100/10. Vermont is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Rutland?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Rutland for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Rutland?
An 18-year-old in Rutland is estimated at $2,557 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Rutland?
A DUI takes the estimate from $1,122 to about $2,121 a year in Rutland, an increase of roughly 89%. Vermont drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Rutland?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

South BurlingtonBurlingtonColchester

Comparing more of Vermont? See every Vermont city we price or read the cheap car insurance guide for Rutland.