Cheap Car Insurance in Essex, VT

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Looking for cheap auto insurance in Essex, VT? At AutoInsuranceEZ.com, you will discover the lowest cost insurance policy where you live. In order to obtain free car insurance estimates available from the very best providers today, type in your zipcode in the quote box in this article.

Essex has a very symbiotic relationship with nearby neighbor and partial co-town, Essex Junction. Attempts to merge the two towns have been ongoing since the late 1950’s, with a hint of success in 2006 which was later overturned the following year. Only time will tell whether these two communities eventually become one or continue to exist in a partially-connected limbo.

  • Fun fact: did you know that Jon Fishman (from the band Phish) lived in Essex while attending the University of Vermont in 1983? Intrigued by finding out more about Essex? Click here!

Auto Insurance Coverage Requirements in Vermont

Driving legally in Essex requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 50,000/100,000 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 50 deductible

But remember that state minimum coverage is extremely limited. Your Liability insurance will only pay out claims in the event that you get into an accident which you are deemed liable for (if the accident is your fault). If your car is stolen, or if you get into an accident caused by the other driver, your insurance will not pay out on any claims.

For some drivers, especially those with less than perfect credit or a tainted driving record, average monthly rates on Vermont car insurance can be as high as $96 or more per month. However, a good credit score and clean record can get you insured for around $28/month*!


Average Monthly Auto Insurance Premiums

Legend:

Essex

Allstate

Concord

Nationwide

MetLife

State Farm

5

10

15

20

25

30

$25

$28

$28

$29

$32

 

Allstate, Concord, and Nationwide have some of the most affordable rates for Essex drivers. However, there’s more to good automotive insurance coverage than a low monthly rate. Do they have friendly customer service? Will they pay out on claims as outlined in your agreement? Make sure you get good background information on all your prospective insurance companies before you make a final decision.

Those who supply auto insurance policies evaluate several factors while determining insurance quotes, particularly driving experience, geography, occupation, driving distance to work, and business use of the vehicle. Furthermore, premiums differ from company to company. To ensure that you’re still receiving the cheapest fee, evaluate cheap Essex auto insurance rates online.

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Major Car Insurance Factors in Essex

There are many ways that your car insurance rate can be determined. But not all of it is out of your control; there are things you can do to be able to control what discounts you are eligible to obtain. Listed here are some of these components in greater detail:

Your Zip Code

For many people, the most affordable auto insurance is usually present in metropolitan areas having a smaller population density. Because there are less cars on the highway, there are a lot fewer opportunities to get involved in a significant accident with a different driver. The population of Essex is actually 19,587 and also the typical family earnings are $79,630.


Auto Insurance by Zip Code

Legend:

Burlington

Colchester

Essex

Rutland

South Burlington

Allstate

Concord

Nationwide

MetLife

State Farm

5

10

15

20

25

30

$20

$20

$25

$21

$20

$28

$28

$28

$27

$28

$28

$28

$28

$28

$28

$30

$28

$29

$26

$29

$32

$32

$32

$30

$32

 

Automotive Accidents

If your zip code is located in an area with a high rate of accidents, you can expect to pay more for insurance as a result. The most recent accident statistics are displayed in the chart below, which marks a slight increase in accidents from previous years, especially where drunk driving is concerned.


Fatal Accidents in Essex, Vermont

Legend:

Essex

Fatal accident count

Vehicles involved in fatal crashes

Fatal crashes involving drunk persons

Fatalities

Persons involved in fatal crashes

Pedestrians involved in fatal accidents

1

2

3

1

3

1

1

3

 

Auto Thefts in Essex

Anti-theft devices are a great way to protect yourself from auto theft. They are relatively affordable, easy to have installed, and once equipped, require little effort on your part. And best of all, most insurance companies will give you a discount on your auto insurance just for having one! Within Essex, the number of auto thefts dropped to 9 total thefts during the 2013 calendar year. This low theft rate means that you might not need to spend as much on Comprehensive coverage.


Basic vs. Comprehensive Auto Policy

Legend:

Basic Coverage

Comprehensive Coverage

Allstate

Concord

Nationwide

MetLife

State Farm

15

30

45

60

75

90

105

120

$25

$94

$28

$83

$28

$67

$29

$126

$32

$79

 

Your Credit Score

Most people don’t realize how important their credit score is when determining their automobile insurance premiums. If you have poor credit, your monthly rate can be as high as double or triple that of someone with an excellent credit history.


Auto Insurance by Credit Score

Legend:

Excellent Credit

Poor Credit

Allstate

Concord

Nationwide

MetLife

State Farm

10

20

30

40

50

60

70

$24

$38

$25

$43

$28

$36

$26

$55

$23

$73

 

Your Age

The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.


Auto Policy Age Comparison

Legend:

34 Year Old

17 Year Old

Allstate

Concord

Nationwide

MetLife

State Farm

15

30

45

60

75

90

105

120

135

$25

$65

$28

$90

$28

Do Not Sell

$29

$142

$32

$125

 

Your Driving Record

The more violations you have on your record, the more likely you are to file a claim – which will lead your provider to charge you higher premiums. But if you have too many citations, or commit a serious violation – such as a DUI – you may lose your coverage all together.


Driving Violations

Legend:

Perfect Record

Minor Speeding Ticket

DUI/Reckless Driving

Major At-Fault Accident

Allstate

Concord

Nationwide

MetLife

State Farm

10

20

30

40

50

60

70

80

90

100

$25

$28

$34

$36

$28

$28

$105

$28

$28

$58

$67

$90

$29

$34

$49

$40

$32

$35

$35

$38

 

Your Vehicle

Expensive luxury vehicles aren’t just more expensive to insure because they cost more to replace. Odds are that you’re going to want to protect an expensive car with additional insurance coverage. And the more coverage you buy, the more you will have to pay in premiums.


Car Insurance by Make/Model

Legend:

2015 Honda Accord

2012 Porsche Boxster Spyder

Allstate

Concord

Nationwide

MetLife

State Farm

10

20

30

40

50

60

70

80

90

100

110

120

130

$25

$134

$28

$88

$28

$70

$29

$114

$32

$100

 

Minor Car Insurance Factors in Essex

If you’re interested in tweaking your monthly payment further, you might also want to pay attention to:

Your Marital Status

For individual policies, marital status will have a 1-2% difference, if it makes one at all. But married couples can save money by bundling their policies together with the same company. Insurance companies frequently give discounts as a reward for bundling multiple policies together.

Your Gender

No matter what you may have heard, there is no significant difference in risk between male and female drivers – according to most insurance companies. If your provider charges a different rate at all, it should amount to no more than 2-3%. And some companies reward female drivers, while other providers charge less for males.

Your Driving Distance to Work

Commute times vary significantly in Essex, with average times ranging anywhere from 18 to 20 minutes per trip. At least 85% of residents own their own car and use it alone to get around, which means that there will be a lot of cars on the road (especially during rush hour). Another 9-11% will likely carpool.

Your provider may ask you how many miles you anticipate driving each year, or why you’re driving in the first place (school/work/pleasure, etc). But whether or not your vehicle is for business is the largest factor. Business vehicles are charged 10-12% more on premiums than vehicles used to get to work and/or school.

Your Coverage and Deductibles

If you add additional coverage options to your policy, you can lower your monthly payments by raising your deductible. Keep in mind, though, that if you ever have to file a claim, you should have the cash on hand to be able to pay that deductible.

Education in Essex, VT

A full one-quarter of Essex residents have earned a bachelor’s degree for themselves, putting them into a highly-educated minority of drivers who will likely be offered a lower rate on their auto insurance policy by their provider. Additionally, around 20% (or one-fifth) of residents have completed high school.

There are many top-notch opportunities to obtain a higher education for those willing to commute west to the nearby city of Burlington. There is also a satellite campus of the Vermont Technical College located to the south in the city of Williston for those who desire a shorter commute.

You shouldn’t make it possible for a poor auto insurance agency to persuade you into investing in a car insurance policy which is not ideal for you. Of course, the actual quantity of information needed in order to calculate your own risk profile can be frustrating, however comparison internet sites like this will help make things easier. Just simply input just a few details below, and we’ll take it from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Vermont Department of Financial Regulation – Insurance Division

Vermont Department of Financial Regulation

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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