Essex Junction Car Insurance Cost – 2024 Averages + Cheapest VT Rates

• Average Essex Junction car insurance cost is $1,424 per year for a full coverage policy. Average cost per month is around $119.
• Auto insurance rates for a few popular models in Essex Junction include the Tesla Model 3 at $139 per month, Ford F150 at $133, and Toyota Corolla at $115.
• For cheap auto insurance in Essex Junction, SUV models like the Kia Soul, Nissan Kicks, Toyota Corolla Cross, and Volkswagen Tiguan have some of the best car insurance rates.
• Models with segment-leading auto insurance rates in Essex Junction include the Toyota GR Corolla ($1,236 per year), Hyundai Ioniq 6 ($1,308 per year), Chevrolet Tahoe ($1,334 per year), and Acura Integra ($1,264 per year).
• Car insurance quotes in Essex Junction can range significantly from as low as $37 per month for minimum liability limits to over $703 per month for teens and other high-risk drivers.

How much is car insurance in Essex Junction, VT?

The average car insurance expense in Essex Junction is $1,424 per year, which is 27.8% less than the national average rate of $1,883 per year. The average cost of car insurance per month in Essex Junction is $119 for full coverage.

The average cost to insure a vehicle in Vermont is $1,432 per year, so Essex Junction, Vermont, drivers pay an average of $8 less per year than the overall Vermont state-wide average rate. When compared to other locations in Vermont, the average cost of auto insurance in Essex Junction is about $12 per year more than in Rutland, $4 per year cheaper than in Burlington, and $14 per year more than in South Burlington.

The age of the rated driver makes a big difference in the cost of car insurance. The list below illustrates this by breaking down average car insurance rates in Essex Junction for driver ages 16 through 60.

Average cost of car insurance in Essex Junction for drivers age 16 to 60

• 16 year old – $5,065 per year or $422 per month
• 17 year old – $4,907 per year or $409 per month
• 18 year old – $4,397 per year or $366 per month
• 19 year old – $4,005 per year or $334 per month
• 20 year old – $2,862 per year or $239 per month
• 30 year old – $1,516 per year or $126 per month
• 40 year old – $1,424 per year or $119 per month
• 50 year old – $1,264 per year or $105 per month
• 60 year old – $1,180 per year or $98 per month

The next chart shows average car insurance rates in Essex Junction, VT, for 2024 model year vehicles for both different driver ages and policy deductible limits.

Average rates in the chart range from $996 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $3,328 per year for a 20-year-old driver with $250 deductibles. The rate we use for comparison of different models and locations is a 40-year-old driver with $500 physical damage deductibles, which has an average cost of $1,424 per year in Essex Junction.

As a monthly rate, the average cost to insure a vehicle in Essex Junction ranges from $83 to $277 for the same driver risk profiles shown in the prior chart.

Auto insurance rates can have a wide range and subtle changes in personal situations can cause significant price changes. Since the chances of having many different rates is high, this emphasizes the need for accurate car insurance quotes when shopping around for more affordable coverage.

Popular vehicles and the cost of insurance

The prior rates are an average for all 2024 vehicle models, which is helpful for making overall comparisons like the cost for different driver ages or locations. But for more useful car insurance comparisons, it makes sense to instead look at the exact make and model of vehicle being insured.

If you read farther in this article, we explore both segment rates and rates for all different kinds of vehicles, but for now, a handful of the most popular vehicles will be shown to see how auto insurance prices measure up in Essex Junction.

This next list details average annual and monthly insurance rates in Essex Junction for popular cars, trucks, and SUVs. Later on in this article, we will examine insurance cost for a few of these models in much more detail.

Car insurance cost for popular vehicles in Essex Junction

• Tesla Model 3 – $1,670 per year or $139 per month
• Ford F150 – $1,592 per year or $133 per month
• Toyota Corolla – $1,384 per year or $115 per month
• Ford Explorer – $1,290 per year or $108 per month
• Nissan Altima – $1,542 per year or $129 per month
• Honda Civic – $1,262 per year or $105 per month
• Nissan Sentra – $1,304 per year or $109 per month
• Toyota Highlander – $1,296 per year or $108 per month
• Subaru Outback – $1,212 per year or $101 per month
• Subaru Forester – $1,270 per year or $106 per month

Vehicles with high popularity in Essex Junction tend to be small or midsize cars like the Volkswagen Jetta, Honda Civic, and Kia K5 and compact or midsize SUVs like the Nissan Rogue and Jeep Grand Cherokee.

Some additional popular models in Essex Junction from other vehicle segments include luxury cars like the Tesla Model S, Acura ILX, and BMW 530i, luxury SUVs like the BMW X5, Acura MDX, and Infiniti QX60, and pickup trucks like the Ram 1500, Chevy Silverado, and Toyota Tacoma.

We get into rates for lots more vehicles a little farther in this article, but before we delve that deep, let’s go over some of the key concepts covered so far.

• Essex Junction car insurance costs less than the U.S. average – $1,424 (Essex Junction average) versus $1,883 (U.S. average)
• Monthly car insurance cost ranges from $98 to $422 – That’s the average auto insurance cost range for drivers aged 16 to 60 in Essex Junction.
• Auto insurance gets more affordable the older you are – Average auto insurance rates for a 50-year-old driver in Essex Junction are $1,598 per year cheaper than for a 20-year-old driver.
• Insurance rates fall substantially in your twenties – The average 30-year-old Essex Junction, VT, driver will pay $1,346 less annually than a 20-year-old driver, $1,516 versus $2,862.
• Auto insurance for teen drivers costs a lot – Rates can range from $3,384 to $5,065 per year for insurance on a teen driver in Essex Junction, VT.
• Essex Junction auto insurance rates are cheaper than the Vermont state average – $1,424 (Essex Junction average) versus $1,432 (Vermont average)

What are the cheapest vehicles to insure in Essex Junction?

The vehicles with the cheapest average insurance prices in Essex Junction, VT, tend to be crossover SUVs like the Kia Soul, Chevrolet Trailblazer, and Toyota Corolla Cross.

Average car insurance quotes for those vehicles cost $1,154 or less per year, or $96 per month, for a full coverage policy.

A few other models that have low-cost insurance quotes in our cost comparison are the Ford Bronco Sport, Volkswagen Tiguan, Acura RDX, and Honda CR-V.

Average rates are slightly more for those models than the cheapest compact SUVs and crossovers that rank near the top, but they still have an average insurance cost of $1,220 or less per year, or $102 per month.

The table below shows the top 20 cheapest vehicles to insure in Essex Junction, ordered by annual cost.

The table above that contains 20 of the cheapest vehicles to insure in Essex Junction is great if you just want the lowest rates. A more useful way to look at rates for many more vehicles is to organize them by the segment they belong to.

The next section goes into detail about the average cost of auto insurance in Essex Junction for each different automotive segment. The average rates shown in the chart will give you a good foundation of which types of vehicles have the overall best car insurance rates in Essex Junction. The six sections following the chart show the cheapest rates for individual vehicles for the most popular automotive segments.

Car insurance rates by vehicle segment

When shopping for a different vehicle, it’s a good idea to have a basic understanding of which categories of vehicles have less expensive insurance rates.

As an example, you may be curious if midsize cars have cheaper car insurance than midsize SUVs or if luxury cars are cheaper to insure than luxury SUVs.

The chart below shows average auto insurance cost by vehicle segment in Essex Junction. Typically, compact SUVs, vans, and midsize pickups tend to have the least expensive average rates, with exotic performance models having the most expensive overall auto insurance rates.

Segment rates are precise enough for making a general comparison, but rates vary quite significantly within each automotive segment listed in the above chart.

For example, in the small SUV segment, rates range from the Subaru Crosstrek costing $1,050 per year up to the Ford Mustang Mach-E at $1,664 per year. For another example, in the sports car segment, the average insurance cost ranges from the Mazda MX-5 Miata costing $1,316 per year up to the Mercedes-Benz SL 63 at $2,922 per year, a difference of $1,606 within that segment.

In the next parts of this article, we reduce this variability by looking at auto insurance cost in Essex Junction for individual models.

Cheapest cars to insure in Essex Junction, VT

For 2024 models, the five cheapest non-luxury sedans and hatchbacks to insure in Essex Junction are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Average insurance rates for for these five cars range from $1,236 to $1,308 per year.

Some other cars that rank well are the Honda Accord, Toyota Prius, Chevrolet Malibu, and Kia K5, with an average cost of $1,380 per year or less.

In the bottom half of the top 20, cars like the Toyota Corolla, Volkswagen Arteon, Toyota Crown, Mitsubishi Mirage G4, Volkswagen Jetta, and Hyundai Sonata average between $1,380 and $1,470 per year for full-coverage insurance.

From a cost per month standpoint, auto insurance in this segment for a good driver will start around $103 per month, depending on the company and where you live.

When prices are compared by vehicle size, the most budget-friendly non-luxury compact car to insure in Essex Junction is the Toyota GR Corolla at $1,236 per year. For midsize models, the Hyundai Ioniq 6 has the best rates at $1,308 per year. And for full-size non-luxury cars, the Chrysler 300 has the most affordable rates at $1,350 per year.

The next table ranks the twenty cars with the lowest-cost average insurance rates in Essex Junction, starting with the Toyota GR Corolla at $1,236 per year and ending with the Mazda 3 at $1,470 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Essex Junction car insurance quotes from top car insurance companies in Vermont.

SUVs with cheap car insurance rates

The three top-ranked non-luxury SUVs with the cheapest car insurance in Essex Junction are the Subaru Crosstrek at $1,050 per year, the Chevrolet Trailblazer at $1,068 per year, and the Kia Soul at $1,110 per year.

Not the cheapest SUVs to insure, but still very reasonable, are models like the Toyota Corolla Cross, Ford Bronco Sport, Buick Envision, and Hyundai Venue, with average cost of $1,164 per year or less.

In the bottom half of the top 20, models like the Buick Encore, Honda CR-V, Kia Niro, Volkswagen Tiguan, Subaru Outback, and Nissan Murano average between $1,164 and $1,238 per year for insurance.

Car insurance for this segment in Essex Junction for a good driver will start around $88 per month, depending on your location and insurance company.

When SUV size is factored in, the cheapest compact SUV to insure in Essex Junction is the Subaru Crosstrek at $1,050 per year, or $88 per month. For midsize SUVs, the Honda Passport has the cheapest rates at $1,134 per year, or $95 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe is the cheapest model to insure at $1,334 per year, or $111 per month.

The rate comparison table below ranks the SUVs with the most affordable car insurance rates in Essex Junction, starting with the Subaru Crosstrek at $1,050 per year and ending with the Honda HR-V at $1,238 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Is your SUV missing from the table above? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Essex Junction car insurance quotes from top companies in Vermont.

Cheapest sports cars to insure

The four top-ranked sports cars with the lowest-cost average insurance rates in Essex Junction are the Mazda MX-5 Miata at $1,316 per year, Toyota GR86 at $1,498 per year, Ford Mustang at $1,564 per year, and BMW Z4 at $1,570 per year.

Some other sports cars that have good average insurance rates are the BMW M2, Subaru BRZ, Nissan Z, and Lexus RC F, with average rates of $1,700 per year or less.

As a cost per month, car insurance in Essex Junction on this segment for a middle-age safe driver starts at an average of $110 per month, depending on where you live.

The rate comparison table below ranks the twenty sports cars with the cheapest insurance in Essex Junction, starting with the Mazda MX-5 Miata at $1,316 per year ($110 per month) and ending with the Porsche Taycan at $2,410 per year ($201 per month).

Don’t see insurance cost for your sports car? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Vermont.

Cheapest pickups to insure in Essex Junction, VT

Ranking #1 in Essex Junction for the lowest-cost average insurance in the pickup segment is the Chevrolet Colorado, with a cost of $1,216 per year. Second place is the Nissan Titan costing $1,332 per year, and ranking third is the Nissan Frontier, costing an average of $1,342 per year.

Also ranking well are trucks like the Honda Ridgeline, Hyundai Santa Cruz, Toyota Tacoma, and GMC Sierra 2500 HD, with average annual insurance rates of $1,464 per year or less.

On a monthly basis, auto insurance on this segment in Essex Junction for the average driver can cost as low as $101 per month, depending on where you live and the company you use. The table below ranks the twenty pickups with the lowest-cost insurance rates in Essex Junction.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your pickup model? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Vermont.

Cheapest luxury car insurance rates

The most affordable luxury car models to insure in Essex Junction are the Acura Integra at $1,264 per year, the BMW 330i at $1,448 per year, and the Mercedes-Benz CLA250 at $1,462 per year.

Rounding out the top 10 are luxury cars like the Mercedes-Benz AMG CLA35, Lexus ES 350, Lexus RC 300, and Cadillac CT4, with average annual insurance rates of $1,496 per year or less.

On a monthly basis, car insurance rates in Essex Junction on this segment starts at an average of $105 per month, depending on where you live and the company you use.

When vehicle size is considered, the most affordable small luxury car to insure in Essex Junction is the Acura Integra at $1,264 per year. For midsize luxury models, the Mercedes-Benz CLA250 is cheapest to insure at $1,462 per year. And for large luxury car models, the Audi A5 has the best rates at $1,684 per year.

The table below ranks the cars with the most affordable car insurance in Essex Junction, starting with the Acura Integra at $1,264 per year ($105 per month) and ending with the Audi S3 at $1,594 per year ($133 per month).

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see rates for your luxury car? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Essex Junction car insurance quotes from top-rated car insurance companies in Vermont.

Cheapest luxury SUVs to insure

The four highest ranking luxury SUVs with the most affordable average auto insurance rates in Essex Junction are the Acura RDX at $1,190 per year, Lexus NX 250 at $1,258 per year, Cadillac XT4 at $1,282 per year, and Jaguar E-Pace at $1,330 per year.

Other models that are affordable to insure are the Lincoln Corsair, Lexus NX 450h, Lexus UX 250h, and Lexus NX 350h, with average rates of $1,370 per year or less.

From a monthly standpoint, full-coverage car insurance in Essex Junction on this segment for a good driver starts at an average of $99 per month, depending on your location and insurance company.

If vehicle size is considered, the cheapest small luxury SUV to insure in Essex Junction is the Acura RDX at $1,190 per year, or $99 per month. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $1,330 per year, or $111 per month. And for full-size luxury SUV models, the Infiniti QX80 has the most affordable rates at $1,594 per year, or $133 per month.

The table below ranks the SUVs with the lowest-cost average auto insurance rates in Essex Junction, starting with the Acura RDX at $1,190 per year ($99 per month) and ending with the Lexus NX 350 at $1,426 per year ($119 per month).

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Need rates for a different luxury SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Vermont.

Tips for finding cheaper car insurance

Smart drivers in Essex Junction are always looking to cut the monthly cost of auto insurance, so review the savings tips in this next list and it’s very possible you can save some money on your next policy.

• Safer drivers pay lower rates. At-fault accidents raise insurance rates, possibly up to $2,030 per year for a 20-year-old driver and even as much as $426 per year for a 50-year-old driver. So be a careful driver and save!
• Excellent credit scores get the best rates. Having a good credit rating over 800 could save $224 per year over a good rating of 670-739. Conversely, a lesser credit rating could cost around $259 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• If your vehicle is older, remove optional coverages. Removing physical damage coverage (comprehensive and collision) from older vehicles whose value has decreased can cheapen the cost to insure considerably.
• Lower the cost of your policy by increasing deductibles. Increasing deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Remain claim free. Most insurers offer discounts for not having any claims. Auto insurance should only be used to protect you from significant financial loss, not for insignificant claims.
• Compare the cost of insurance before buying a car. Different cars, and even different trim levels of the same car, can have very different insurance premiums, and insurance companies charge a wide range of prices. Get multiple insurance quotes before you buy a different vehicle in order to prevent price shock when you get your first insurance bill.