- Average cost of car insurance in Vermont
- Best car insurance company in Vermont: State Farm
- Cheapest car insurance company in Vermont: Progressive
- Vermont car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Vermont
- Cheapest car insurance cost in Vermont by age
- Cheapest car insurance companies in Vermont by driver profile
- Compare auto insurance rates by city in Vermont
- Car insurance premium trends in Vermont
- Methodology
- Compare Vermont car insurance rates with other states
Average cost of car insurance in Vermont
The average car insurance rate in Vermont is $1,504 a year or $125 monthly for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Vermont is $299.
Best car insurance company in Vermont: State Farm
State Farm is the best car insurance company in Vermont, based on our data analysis, with an overall rating of 4.73. GEICO took second place.
Below is a full list of the top Vermont insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| State Farm | A++ | 664 | 0.79 | $1,139 | 4.73 |
| GEICO | A++ | 638 | 0.69 | $1,276 | 4.45 |
| Progressive | A+ | 620 | 0.71 | $926 | 4.38 |
| Allstate | A+ | 646 | 1.1 | $1,733 | 3.63 |
| Farmers | A | 600 | 0.86 | $2,333 | 2.88 |
| USAA | A++ | 741 | 1.18 | $803 | 4.5 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance company in Vermont: Progressive
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Vermont and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, USAA is the cheapest auto insurance company in Vermont but is only available to military members, veterans, and their families at $1,038 annually or $87 a month, on average, for full coverage. Progressive is the cheapest company overall, and is open to all drivers, with an average annual rate of $980 for full coverage in Vermont.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Progressive | $363 | $400 | $980 |
| State Farm | $295 | $345 | $1,410 |
| Auto-Owners | $267 | $296 | $1,501 |
| Nationwide | $521 | $541 | $1,554 |
| GEICO | $281 | $330 | $1,582 |
| Co-operative Insurance Companies | $190 | $230 | $1,648 |
| Allstate | $245 | $264 | $1,674 |
| Vermont Mutual | $385 | $385 | $1,950 |
| USAA | $200 | $218 | $1,038 |
*USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Vermont
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Essex Junction | $446 | $37 |
| Winooski | $442 | $37 |
| Burlington | $442 | $37 |
| Shelburne | $441 | $37 |
| Williston | $440 | $37 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Williamstown | $374 | $31 |
| Chelsea | $374 | $31 |
| South Barre | $377 | $31 |
| Washington | $377 | $31 |
| Websterville | $377 | $31 |
The Vermont Department of Financial Regulation says...
If you have any change in the makeup of your household or other factors which may entitle you to a discount, call your agent as soon the change occurs. For example, if you join a carpool, or if you remove a young driver from your policy, this could prove a significant saving.
- The Vermont Department of Financial RegulationVermont car insurance requirements
You need car insurance with minimum coverage levels of 25/50/10 in Vermont, which costs $299 each year or $25 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Vermont:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $10,000 per accident
- Uninsured/underinsured motorist property damage coverage: $10,000 per accident (subject to a $150 deductible)
- Uninsured/underinsured motorist bodily injury coverage: $50,000 per person, $100,000 per accident
Cheapest car insurance companies for minimum liability coverage in Vermont
According to Insurance.com, Co-operative Insurance Companies has the cheapest state minimum liability coverage, at $230 per year or $19 each month. USAA offers cheaper rates but is available only to military veterans and their families.
Here are the most affordable car insurance companies for state minimum coverage in Vermont.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Co-operative Insurance Companies | $230 | $19 |
| Allstate | $264 | $22 |
| Auto-Owners | $296 | $25 |
| GEICO | $330 | $27 |
| State Farm | $345 | $29 |
| Vermont Mutual | $385 | $32 |
| Progressive | $400 | $33 |
| Nationwide | $541 | $45 |
| USAA | $218 | $18 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Vermont by age
In Vermont, car insurance rates are higher for teenagers as they’re less experienced and more likely to cause an accident.
Auto-Owners offers the cheapest car insurance for a 16-year-old driver in Vermont at $3,581 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Vermont, Progressive offers the cheapest full coverage car insurance for a 25-year-old and a 65-year-old driver at $1,229 per year and $788 per year, respectively, unless they are eligible for USAA.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Auto-Owners | $3,581 | $298 |
| Progressive | $3,813 | $318 |
| Co-operative Insurance Companies | $4,269 | $356 |
| State Farm | $5,030 | $419 |
| Nationwide | $5,275 | $440 |
| Vermont Mutual | $5,419 | $452 |
| USAA | $5,869 | $489 |
| Allstate | $5,920 | $493 |
| GEICO | $6,120 | $510 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Vermont by driver profile
Drivers who have accidents or tickets are considered a higher risk and face higher rates.
The severity and frequency of the incidents will also impact insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Vermont rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Progressive | $980 | $1,661 | $1,295 |
| State Farm | $1,410 | $1,611 | $1,493 |
| Auto-Owners | $1,501 | $2,265 | $1,719 |
| GEICO | $1,582 | $2,607 | $1,751 |
| Allstate | $1,674 | $2,337 | $1,938 |
| Nationwide | $1,554 | $2,302 | $2,252 |
| Vermont Mutual | $1,950 | $2,581 | $2,581 |
| USAA | $1,038 | $1,516 | $1,190 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Vermont
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Vermont will impact what you pay. Below, we've gathered Vermont car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Burlington | $1,270 |
Rutland | $1,286 |
South Burlington | $1,251 |
Car insurance premium trends in Vermont
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Vermont to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Vermont car insurance rates with other states
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