Ernest Soto

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Because we're staying home more and driving less, we are working to reduce auto rates in every state! Learn more about this and our Good Neighbor Relief Program Covid-19 response.

Please contact our office if you have any questions. Due to COVID-19, we've adjusted how we work, but you can always call us or click on Email Agent and complete the form to send our office an email.

We're here for you and want to help.

Insurance Agent Ernest Soto
Ernest Soto
Ernest C Soto Ins Agcy Inc
Would you like to get a quote?
Office Details:
Street Address:
129 Woodstock Avenue
Rutland, VT 05701-3534
Conveniently located across from Olympic Pizza on Route 4 in Rutland.
Office Hours (EST):
Available 24x7 online, phone
Masks must be worn
Appointments preferred
Need help with a claim?
Start or track your claim online, or with the State Farm® mobile app.
Need to pay a bill?
Pay insurance bills fast and manage them easily.

Auto Insurance

Buckle up with State Farm, and get auto insurance in Rutland, VT that fits your needs. You’ve got plenty of options — from collision and comprehensive to rental and rideshare. If you need more than an auto policy for the family, we provide car insurance coverage for new drivers, business travelers, collectors, and more. Not to mention, State Farm is the largest auto insurance provider in the U.S.1 You could even save more by combining the purchase of auto and home policies.

Ernest Soto in Rutland, VT will help you get started after you complete a car insurance online quote. It’s fast and easy!

1. Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2018.

Start your car insurance online quote. It’s fast and easy!

Homeowners Insurance

Protect your largest investment from unexpected events life may throw your way with State Farm® Homeowners Insurance in Rutland, VT. So, what’s covered?1 Your home insurance ensures you can repair or replace your home, as well as the items you value. Personal property is covered even if you're on vacation, running errands or holding items in storage. More homeowners choose State Farm as their home insurance company over any other insurer.2

Ernest Soto in Rutland, VT will help you get started after you complete a homeowners insurance online quote. It’s fast and easy!

1. Please refer to your actual policy for a complete list of covered property and covered losses.
2. Data provided by S&P Global Market Intelligence and State Farm Archive.

Start your homeowners insurance quote. It’s fast and easy!

Renters Insurance

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment or other home that you may rent. Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your renters insurance quote. It’s fast and easy!

Personal Articles

Do you have important treasures like collectibles, jewelry, sports equipment, and others? Your homeowners or renters insurance policy may limit coverage on some of your most valuable items. Make sure your valuables are protected with a Personal Articles Policy in Rutland, VT. A State Farm® Personal Articles Policy can even provide personal property coverage1 worldwide (perfect for vacations) in case of theft, accidental damage, or loss.

Want more information? Ask Ernest Soto in Rutland, VT about a personal property insurance quote.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a personal articles insurance quote.

Business Insurance

Whether your business is just starting, growing or maturing, State Farm will provide you with smart options for business insurance in Rutland, VT. Your insurance for business may include1 a business owners policy, commercial auto policy, individual health policy or even workers’ compensation. Like you, our agents are small business owners who know the importance of developing a plan for continued financial security. We know your business means everything to you. As it grows, make sure you have the right business insurance products for your business.

Work with Ernest Soto in Rutland, VT to get a small business insurance quote and choose what products are right for you.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a small business insurance quote.

Life Insurance

State Farm® life insurance helps your life's moments live on. Whether it keeps paying the mortgage, maintains a current standard of living, pays off debts or pays for college, the life insurance you choose can be there when it’s needed most by your loved ones. Help secure the future of your family with a term life, whole life, or universal life policy. We have policy options to fit your needs and budget.

Ernest Soto in Rutland, VT will help you get started after you complete a life insurance online quote.

Start your life insurance online quote. It’s fast and easy!

Health Insurance

As you experience changes in your life, your health insurance coverage should adjust as well. Let State Farm help you find the right policy for health insurance in Rutland, VT. We offer a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans. You may even protect your paycheck with disability insurance to help cover monthly expenses.

Work with Ernest Soto in Rutland, VT to get a health insurance quote and choose a plan designed to fit the needs of a family, individual, or senior citizen.

Start your medicare supplement online insurance quote.

Start your hospital income online insurance quote.


You work hard for your money, managing it should be easy! Get banking in Rutland, VT with a State Farm Bank® checking or savings account. Put your cash to work in an interest checking account with minimal requirements, or save your dollars in a higher-yield Money Market savings account. You have options. Plus, online banking is so easy through our award-winning* State Farm® Mobile App or mobile web.

Talk with Ernest Soto in Rutland, VT to get more information about State Farm Bank and online banking.

* 2019 Mobile Web Award winner: Best Insurance Mobile App and Best Bank Mobile App


Call or email an agent to learn more about online banking.


Let State Farm® support your financial future with an investment through annuities in Rutland, VT. Immediate annuities may guarantee an income for life, while tax-deferred annuities could help increase your retirement savings. Selecting the best annuity option depends on your financial goals and market conditions. Create a future stream of income or payments with an investment option that grows for you. State Farm can help clear the confusion and misinformation out there when it comes to annuities.

Talk with Ernest Soto to get more information about annuities in Rutland, VT that support your financial goals.

Call or email an agent for investment information.

About Me:
  • We are available to serve you remotely
  • We love helping with out of state transfers to Vermont
  • Licensed in Vermont
  • State Farm Insurance Agent since 1998 in Rutland
  • Free Quotes on Auto Insurance and Home Insurance
  • Safe driver and limited mileage auto discounts
  • No banned dog list. Seasonal home rental welcome
  • Free Quotes for Life Insurance and Health Insurance
  • We also offer renters, condo and business insurance
  • 24 Hour service available by phone, internet or app.
  • Three Notary Publics in the office
  • We serve Rutland, Windsor, Bennington counties
  • Legion of Honor and Ambassador Travel Qualifier
  • Agency Development Program (ADP) graduate
  • State Farm Claim Representative 1992-1998
  • Graduated from the University of South Florida.
About Me Photo
Our Mission:
State Farm Agent Ernest Soto's office has a commitment to provide you with Remarkable customer service and insurance knowledge. Our team's focus is to provide an assortment of insurance products and services in and around the Rutland Community. From auto insurance to home insurance, life and health insurance, our team is dedicated to assist you with all of your insurance needs. We are here to help life go right.
Our Mission Photo
Our Team:
Team Member Profile Photo Nicole Phillips
Nicole Phillips
Account Representative
I was born in Troy, NY but moved to Wallingford, VT when I was 4. This is where I grew up attending Mill River Union High and Stafford Technical Center. I am a busy single mom with 3 pretty great boys, who keep me on my toes! I joined the Ernest Soto Insurance team in 2017 and love working with the great team here. I focus on Life, Health and Auto however I can assist you with all your insurance needs. Stop in and see me or call for a FREE insurance quote!
Team Member Profile Photo Sydnee Petty
Sydnee Petty
Account Representative
I was born and raised in Poultney VT. I am now raising my own family there. I attended Poultney High School and Stafford Technical Center for hospitality. I love working with our State Farm customers and meeting new people. I started working with the team in June 2018 and have loved my time here. I am here to help with your home, auto, renters and condo needs.
Team Member Profile Photo Michele Soto
Michele Soto
Office Representative
I was born on Long Island and moved to NJ and FL. I began my career as a dental assistant. Later I graduated from Florida Southern University with a BA in Business. I began my career in insurance in 1993. I moved to Rutland, VT in 1998 with my amazing husband Ernest and began working in his office. As the agent's wife, I help us stay focused in the office as well as in the home. I can help with your auto, motorcycle, home, renters and condo insurance needs.
Agent's Credentials and Licenses:
We're Hiring
It could be the beginning of an exciting career.
This opportunity is about potential employment with an independent contractor agent who solicits application for State Farm products and services, and does NOT result in employment with any of the State Farm Companies. The employment selection decision, terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.

State Farm Bank , F.S.B., Bloomington, Illinois, is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

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Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.