Car Insurance After an Accident in Vermont: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Vermont increases insurance by 30%, raising full coverage from $1,218/year to $1,583/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$102/mo
After At-Fault Accident (+30%)
$132/mo
Cheapest Companies After Accident in Vermont
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $98/mo | $1,171/yr | Military families |
| Erie Insurance | $104/mo | $1,251/yr | Rate lock guarantee |
| GEICO | $108/mo | $1,298/yr | Clean driving record |
| Progressive | $116/mo | $1,393/yr | Telematics savings |
| State Farm | $120/mo | $1,441/yr | Good students |
| Travelers | $125/mo | $1,504/yr | Multiple discounts |
| Nationwide | $137/mo | $1,646/yr | Bundling home + auto |
| Farmers | $142/mo | $1,710/yr | Signal telematics |
| Allstate | $148/mo | $1,773/yr | Accident forgiveness |
| Liberty Mutual | $156/mo | $1,868/yr | New car replacement |
USAACheapest
Monthly
$98/mo
Annual
$1,171/yr
Best for: Military families
Erie Insurance
Monthly
$104/mo
Annual
$1,251/yr
Best for: Rate lock guarantee
GEICO
Monthly
$108/mo
Annual
$1,298/yr
Best for: Clean driving record
Progressive
Monthly
$116/mo
Annual
$1,393/yr
Best for: Telematics savings
State Farm
Monthly
$120/mo
Annual
$1,441/yr
Best for: Good students
Travelers
Monthly
$125/mo
Annual
$1,504/yr
Best for: Multiple discounts
Nationwide
Monthly
$137/mo
Annual
$1,646/yr
Best for: Bundling home + auto
Farmers
Monthly
$142/mo
Annual
$1,710/yr
Best for: Signal telematics
Allstate
Monthly
$148/mo
Annual
$1,773/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$156/mo
Annual
$1,868/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses