Rutland, VT Car Insurance – Cheapest Rates (2025) + Comparisons

• Rutland car insurance rates cost an average of $1,978 per year, or approximately $165 per month.
• For cheap car insurance in Rutland, VT, SUV models like the Honda CR-V, Toyota Corolla Cross, and Kia Soul have the most affordable rates.
• A few models with the lowest cost auto insurance in Rutland for their respective segments include the Subaru Crosstrek, Kia K5, Chevrolet Tahoe, and Chevrolet Colorado.

How much does Rutland car insurance cost?

The average car insurance cost in Rutland is $1,978 per year, or approximately $165 per month for a full-coverage car insurance policy. It costs 11.6% less to insure the average vehicle in Rutland, VT, than the U.S. average rate of $2,221.

The average price for car insurance in Vermont is $1,998 per year, so Rutland drivers pay an average of $20 less per year than the overall Vermont state-wide average rate. The cost to insure a car in Rutland compared to other Vermont cities is $16 per year less than in Burlington, $34 per year less than in Barre, and rates are similar to what drivers pay in South Burlington.

Driver age significantly impacts the cost of auto insurance. The list below illustrates this by showing average car insurance rates based on the age of the driver.

Rutland car insurance cost for drivers age 16 to 60

• 16-year-old rated driver – $7,046 per year or $587 per month
• 17-year-old rated driver – $6,826 per year or $569 per month
• 18-year-old rated driver – $6,119 per year or $510 per month
• 19-year-old rated driver – $5,572 per year or $464 per month
• 20-year-old rated driver – $3,980 per year or $332 per month
• 30-year-old rated driver – $2,110 per year or $176 per month
• 40-year-old rated driver – $1,978 per year or $165 per month
• 50-year-old rated driver – $1,754 per year or $146 per month
• 60-year-old rated driver – $1,644 per year or $137 per month

The next chart shows additional information for drivers age 20 to 60 by showing a range of rates for a variety of different driver ages and possible risk profiles.

Average car insurance rates in the prior chart range from $1,644 per year for a 40-year-old driver who receives an exceptional discount rate to $4,550 per year for a 30-year-old driver who has a few accidents and violations and has to buy a high risk policy.

From a monthly budgeting standpoint, the average cost of car insurance per month in Rutland ranges from $137 to $379.

Car insurance rates have extreme variability and can change frequently. The likelihood of significant rate variability increases the need to get accurate auto insurance quotes when shopping for the cheapest auto insurance.

Vehicle models popular with drivers in Rutland tend to be compact or midsize sedans like the Toyota Corolla and Honda Accord and compact or midsize SUVs like the Ford Escape, Toyota RAV4, and Ford Explorer.

Additional popular models from other segments include luxury cars like the Acura ILX, Lexus ES 350, and BMW 530i, luxury SUVs like the BMW X5, Cadillac XT5, and Acura MDX, and pickup trucks like the Ford Ranger, Ram 1500, and Toyota Tacoma.

We will cover rates in much more detail in a bit, but before we get into that, let’s go over some of the ideas covered in the data above.

• Low deductible car insurance costs more – A 40-year-old driver pays an average of $642 more per year for $250 deductibles compared to $1,000 deductibles.
• Rutland auto insurance rates are cheaper than the Vermont state average – $1,978 (Rutland average) compared to $1,998 (Vermont average)
• Insurance rates decline significantly from age 20 to 30 – The average 30-year-old Rutland, Vermont, driver will pay $1,870 less annually than a 20-year-old driver, $2,110 versus $3,980.
• Rutland average car insurance cost is less than the U.S. average – $1,978 (Rutland average) compared to $2,221 (U.S. average)
• Car insurance is generally cheaper the older you are – Insurance rates for a 40-year-old driver in Rutland are $2,002 per year cheaper than for a 20-year-old driver.

What vehicles have the cheapest car insurance in Rutland?

When all makes and models are compared, the models with the cheapest insurance quotes in Rutland, VT, tend to be crossover SUVs like the Kia Soul, Chevrolet Trailblazer, Buick Envision, and Toyota Corolla Cross.

Average insurance rates for those small SUVs cost $1,608 or less per year, or $134 per month, for a full coverage policy.

Some additional vehicles that have very good car insurance prices in our car insurance price comparison are the Honda HR-V, Volkswagen Tiguan, Ford Bronco Sport, and Nissan Murano.

The average insurance cost is a few dollars per month higher for those models than the cheapest small SUVs and crossovers that rank near the top, but they still have an average insurance cost of $1,720 or less per year, or around $143 per month in Rutland.

The table below details the 20 models with the cheapest car insurance in Rutland, sorted by average cost.

A table showing 20 vehicles with the cheapest insurance in Rutland doesn’t really provide an overall view of Rutland car insurance cost. Considering we track over 700 vehicles, only about 3% of vehicles are displayed. Let’s dig deeper into the data and reorganize the most affordable vehicles a slightly different way, by automotive segment.

This next section showcases the average cost of car insurance for each vehicle segment. This will give you a good idea of which types of cars, trucks, and SUVs that have the most affordable auto insurance rates in Rutland. The six sections after the chart show the 20 models with the cheapest car insurance in the most popular automotive segments.

Rutland auto insurance rates by automotive segment

If you’re car shopping, it’s important to have a basic understanding of which types of vehicles have cheaper car insurance rates in Rutland. For example, you may be wondering if compact SUVs have cheaper insurance than midsize SUVs or if full-size pickups are more expensive to insure than midsize pickups.

The chart below shows average car insurance cost by vehicle segment in Rutland. In general, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the most affordable rates, with exotic performance models having the most expensive overall car insurance rates.

Rates by different vehicle segments can be used for making a general comparison, but rates vary quite a lot within each automotive segment displayed in the chart above.

For example, in the small SUV segment, Rutland auto insurance rates range from the Subaru Crosstrek costing $1,462 per year to the Ford Mustang Mach-E costing $2,312 per year, a difference of $850 within that segment.

As another example, in the midsize truck segment, insurance rates range from the Chevrolet Colorado costing $1,744 per year to the Rivian R1T at $2,466 per year.

In the following sections, we eliminate a lot of this variability by comparing the cost of car insurance in Rutland at a model level.

Cheapest cars to insure in Rutland, Vermont

Taking the top spot in Rutland for cheapest insurance in the sedan and hatchback segment is the Toyota GR Corolla, coming in at $1,718 per year. Second place is the Nissan Leaf at $1,730 per year, and ranking third is the Honda Civic, costing an average of $1,752 per year.

Additional cars that have affordable insurance rates are the Toyota Corolla, Toyota Prius, Chevrolet Malibu, and Kia K5, with average insurance cost of $1,926 per year or less.

Additional models worth mentioning include the Subaru Legacy, Hyundai Sonata, Volkswagen Arteon, Kia Forte, and Mazda 3, which average between $1,926 and $2,044 to insure per year in Rutland.

Auto insurance rates for this segment in Rutland for a safe driver can cost as low as $143 per month, depending on where you live and the company you use.

When rates are compared by vehicle size, the cheapest compact car to insure in Rutland is the Toyota GR Corolla at $1,718 per year, or $143 per month. For midsize 2024 models, the Kia K5 has the cheapest rates at $1,904 per year, or $159 per month. And for large cars, the Chrysler 300 is the cheapest model to insure at $1,886 per year, or $157 per month.

The next table ranks the cars with the lowest-cost auto insurance rates in Rutland, starting with the Toyota GR Corolla at $1,718 per year ($143 per month) and ending with the Mazda 3 at $2,044 per year ($170 per month).

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

Is your vehicle not in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Rutland car insurance quotes from top-rated auto insurance companies in Vermont.

Cheapest SUV insurance rates in Rutland

The top four SUVs with the most affordable average auto insurance rates in Rutland are the Subaru Crosstrek at $1,462 per year, Chevrolet Trailblazer at $1,488 per year, Kia Soul at $1,546 per year, and Nissan Kicks at $1,560 per year.

Other SUVs that have cheaper rates include the Toyota Corolla Cross, Ford Bronco Sport, Mazda CX-5, and Hyundai Venue, with average rates of $1,622 per year or less.

From a cost per month standpoint, auto insurance rates in this segment for the average driver starts at an average of $122 per month, depending on the company.

The most affordable compact SUV to insure in Rutland is the Subaru Crosstrek at $1,462 per year. For midsize SUVs, the Honda Passport is cheapest to insure at $1,576 per year. And for full-size SUVs, the Chevrolet Tahoe is most affordable to insure at $1,860 per year.

The rate comparison table below ranks the SUVs with the cheapest car insurance in Rutland, starting with the Subaru Crosstrek at $122 per month and ending with the Subaru Ascent at $144 per month.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Looking for rates for a different SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rutland car insurance quotes from the best auto insurance companies in Vermont.

Cheapest luxury cars to insure in Rutland

The top three luxury car models with the cheapest auto insurance rates in Rutland are the Acura Integra at $1,760 per year, the BMW 330i at $2,016 per year, and the Mercedes-Benz CLA250 at $2,038 per year.

Other luxury cars that have good average insurance rates are the Cadillac CT4, Genesis G70, Lexus ES 350, and Mercedes-Benz AMG CLA35, with average annual insurance rates of $2,082 per year or less.

On a monthly basis, auto insurance on this segment in Rutland for the average driver will start around $147 per month, depending on the company.

If prices are ranked by vehicle size, the most affordable small luxury car to insure in Rutland is the Acura Integra at $1,760 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $2,038 per year. And for full-size luxury models, the Audi A5 has the most affordable rates at $2,352 per year.

The table below ranks the luxury cars with the cheapest insurance rates in Rutland.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Is your vehicle not in the list? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Rutland car insurance quotes from top-rated companies in Vermont.

Cheapest luxury SUVs to insure in Rutland, VT

The five cheapest SUVs to insure in Rutland are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Auto insurance rates for these vehicles range from $1,654 to $1,868 per year.

Also ranking well are SUVs like the Lexus UX 250h, Lexus NX 450h, Lexus NX 350h, and Lincoln Corsair, with an average car insurance cost of $1,908 per year or less.

Ranked in the lower half of the top 20, SUVs like the Mercedes-Benz GLA35 AMG, Land Rover Evoque, Mercedes-Benz AMG GLB35, Cadillac XT6, and Mercedes-Benz GLA250 average between $1,908 and $1,986 to insure per year.

From a monthly standpoint, car insurance in this segment for a middle-age safe driver starts at an average of $138 per month, depending on the company and where you live.

When the luxury SUV segment is analyzed by vehicle size, the most affordable compact luxury SUV model to insure in Rutland is the Acura RDX at $1,654 per year, or $138 per month. For midsize luxury SUV models, the Jaguar E-Pace has the cheapest rates at $1,850 per year, or $154 per month. And for full-size luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,220 per year, or $185 per month.

The rate comparison table below ranks the luxury SUVs with the most affordable auto insurance rates in Rutland.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Looking for rates for a different model? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Rutland car insurance quotes from the best companies in Vermont.

Cheapest pickup truck insurance rates in Rutland

The four cheapest pickup trucks to insure in Rutland are the Chevrolet Colorado at $1,744 per year, Nissan Titan at $1,852 per year, Nissan Frontier at $1,872 per year, and Ford Ranger at $1,890 per year.

Rounding out the top 10 are pickups like the Toyota Tacoma, GMC Canyon, Honda Ridgeline, and GMC Sierra 2500 HD, with average annual insurance rates of $2,034 per year or less.

Full-coverage insurance for this segment in Rutland will start around $145 per month, depending on your company and location.

The rate comparison table below ranks the pickups with the most affordable average auto insurance rates in Rutland, starting with the Chevrolet Colorado at $1,744 per year and ending with the Ram Truck at $2,288 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Is your pickup truck missing from the table above? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rutland car insurance quotes from top-rated auto insurance companies in Vermont.

Cheapest sports car insurance rates in Rutland

The top four sports cars with the lowest-cost average auto insurance rates in Rutland are the Mazda MX-5 Miata at $1,832 per year, Toyota GR86 at $2,088 per year, Ford Mustang at $2,172 per year, and BMW Z4 at $2,184 per year.

Additional sports cars that have cheaper rates include the Nissan Z, BMW M2, Toyota GR Supra, and Lexus RC F, with average insurance cost of $2,364 per year or less.

On a monthly basis, auto insurance rates on this segment in Rutland for an average middle-age driver will start around $153 per month, depending on the company and your location. The rate comparison table below ranks the sports cars with the cheapest average insurance rates in Rutland, starting with the Mazda MX-5 Miata at $1,832 per year and ending with the Porsche Taycan at $3,350 per year.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Vermont.

Tips for finding cheaper Rutland car insurance quotes

Rutland drivers are always searching for ways to reduce their monthly insurance expenses, so scan the money-saving ideas below and see if you can save a little dough on your next policy.

• Shop around anytime. Setting aside the time to get a few free car insurance quotes is a great way to save money. Rates change quite often and switching to a different company is very easy to do.
• Improve your credit for cheaper auto insurance rates. Drivers with high 800+ credit scores could save up to $311 per year compared to a slightly lower credit score between 670-739. Conversely, a poor credit score could cost up to $360 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Avoiding accidents saves money on auto insurance in Rutland. Causing too many accidents will raise rates, possibly by an extra $2,826 per year for a 20-year-old driver and even $822 per year for a 40-year-old driver. So be a cautious driver and save.
• Policy discounts equal cheaper auto insurance rates. Savings may be available if the policyholders are good students, insure multiple vehicles on the same policy, are senior citizens, insure their home and car with the same company, are military or federal employees, or many other policy discounts which could save the average Rutland driver as much as $334 per year on auto insurance.
• If your vehicle is older, remove optional coverages. Deleting physical damage coverage from vehicles whose value does not support the cost of the coverage can reduce the cost of car insurance considerably.