Car Insurance in Rutland
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Enjoy the Community Spirit in Rutland, VT
With a population of about 16,000 residents, Rutland ranks as the third-largest city in Vermont. It's also the only municipality in Rutland County and the home of the state's second-largest health system. Many residents work in the thriving medical and aerospace industries. Rutland boasts a bustling downtown area with many community events, a skate park, a mountain biking park and its own theater, the Paramount.
Traveling the Roads of Rutland
Rutland residents can choose from a range of transportation options. Drivers have easy access to both US-4 and US-7 for connections with Middlebury, Manchester, Burlington and Bennington. Rutland also has Amtrak service to Burlington and New York City and an affordable local bus service.
According to Sperling's Best Places, about three-quarters of Rutland residents drive their own vehicles to work and school. Another 10% carpool with others, just over 3% take public transit and about 3% work from home. Locals have a relatively short commuting time. It's just under 17 minutes compared to the national average commute of more than 26 minutes.
Possible Concerns for Rutland Motorists
As reported by WCAX 3, the Vermont State Police have concerns about a dramatic increase in reckless driving. The state had six fatal head-on collisions in May 2023 alone. The Rutland County Sheriff's Office attributed these incidents to impaired driving, distractions like smartphones, excessive speed and failure to wear seatbelts.
Rutland also has a higher-than-average rate of property crimes such as vandalism and theft. The city experiences about 2.7 of these incidents per 100 residents each year, compared to a state rate of just 1.4. Investing in car insurance in Rutland that includes comprehensive coverage ensures you will be able to repair or replace your vehicle after a theft or other non-collision damage.
Average Rates for Car Insurance in Rutland
Bankrate reports that Rutland drivers pay about $1,039 per year for full-coverage car insurance, which breaks down to about $87 per month. That's a savings of nearly 50% over the national average of $2,014 per year. The rural setting of Rutland plays a role in the lower premiums. Fewer people in an area translates to fewer claims, which means insurance companies can lower prices.
Actual rates for car insurance in Rutland vary based on your actual address. For example, you may pay more than a neighbor if you live on a busier road. Every insurance company is different, so try comparing quotes with VIU by HUB to save on your policy.
Vermont Auto Insurance Requirements
The state requires drivers to have a minimum amount of liability insurance. Liability policies pay for others' medical bills and property damage expenses if you cause an accident. You must have at least $25,000 per person and $50,000 per accident for bodily injury liability and $10,000 per accident for property damage liability. You can also purchase optional car insurance policies. In addition to comprehensive coverage, you may want collision coverage to pay for damage to your vehicle after an accident. Vermont also mandates uninsured motorist coverage in the same amounts as your liability coverage. This policy covers your costs if you have an accident with a driver who has insufficient insurance.It's easy to save on car insurance in Rutland with VIU by HUB. We help you compare personalized rates from multiple providers in minutes.
This information is intended for general informational purposes only and is not intended to constitute legal advice.