- Average cost of car insurance in Vermont
- Best car insurance companies in Vermont: Auto-Owners
- Cheapest car insurance companies in Vermont: Progressive
- 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
- Methodology
- Compare auto insurance rates with other states
Average cost of car insurance in Vermont
The average car insurance rate in Vermont is $1,319 a year or $110 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 $306.
Best car insurance companies in Vermont: Auto-Owners
Auto-Owners is the best car insurance company in Vermont, based on an analysis by Insurance.com, with an overall rating of 3.88. State Farm 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 | Insurance.com score | Avg. Annual Premium |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 840 | 0.5 | 3.88 | $992 |
| State Farm | A++ | 829 | 0.7 | 3.35 | $1,139 |
| Progressive | A+ | 802 | 0.65 | 3.29 | $926 |
| Nationwide | A+ | 810 | 0.64 | 3.29 | $935 |
| Geico | A++ | 836 | 0.91 | 3.04 | $1,276 |
| Allstate | A+ | 816 | 0.65 | 2.8 | $1,733 |
| Farmers | A | 821 | 0.8 | 2.23 | $2,333 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies 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 $803 annually or $67 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 $926 for full coverage in Vermont.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA* | $168 | $184 | $803 |
| Progressive | $344 | $373 | $926 |
| Nationwide | $382 | $381 | $935 |
| Auto-Owners | $232 | $264 | $992 |
| State Farm | $264 | $308 | $1,139 |
| Geico | $286 | $317 | $1,276 |
| Vermont Mutual | $301 | $301 | $1,413 |
| Co-operative Insurance | $383 | $399 | $1,640 |
| Allstate | $234 | $257 | $1,733 |
| Farmers | $466 | $456 | $2,333 |
*USAA offers car insurance only to military members, veterans and their families.
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Most & least expensive ZIP codes for auto insurance in Vermont
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 05073 | Taftsville | $124 |
| 05034 | Bridgewater | $123 |
| 05041 | East Randolph | $123 |
| 05045 | Fairlee | $123 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 54460 | Colchester | $112 |
| 54520 | Essex Junction | $112 |
| 54820 | Shelburne | $113 |
| 54030 | South Burlington | $113 |
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 teen drivers in Vermont at $2,179 per year for a full coverage policy.
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, Nationwide offers the cheapest full coverage car insurance for adult drivers at $906 per year and $917 per year, respectively, unless they are eligible for USAA.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | Auto-Owners | $2,179 |
| Teens (16-19) | Nationwide | $2,998 |
| Teens (16-19) | Progressive | $3,072 |
| Teens (16-19) | USAA* | $3,095 |
| Teens (16-19) | State Farm | $3,416 |
| Teens (16-19) | Geico | $4,305 |
| Teens (16-19) | Vermont Mutual | $5,034 |
| Teens (16-19) | Allstate | $5,069 |
| Teens (16-19) | Co-operative Insurance | $5,992 |
| Teens (16-19) | Farmers | $10,177 |
| Young Adults (20-24) | USAA* | $1,386 |
| Young Adults (20-24) | Auto-Owners | $1,522 |
| Young Adults (20-24) | Nationwide | $1,524 |
| Young Adults (20-24) | Progressive | $1,622 |
| Young Adults (20-24) | State Farm | $1,954 |
| Young Adults (20-24) | Geico | $2,162 |
| Young Adults (20-24) | Allstate | $2,890 |
| Young Adults (20-24) | Vermont Mutual | $3,288 |
| Young Adults (20-24) | Co-operative Insurance | $3,524 |
| Young Adults (20-24) | Farmers | $4,651 |
| Adults (25-60) | USAA* | $819 |
| Adults (25-60) | Nationwide | $906 |
| Adults (25-60) | Progressive | $934 |
| Adults (25-60) | Auto-Owners | $1,027 |
| Adults (25-60) | State Farm | $1,150 |
| Adults (25-60) | Geico | $1,241 |
| Adults (25-60) | Vermont Mutual | $1,454 |
| Adults (25-60) | Co-operative Insurance | $1,639 |
| Adults (25-60) | Allstate | $1,703 |
| Adults (25-60) | Farmers | $2,317 |
| Seniors (65-75) | USAA* | $819 |
| Seniors (65-75) | Nationwide | $917 |
| Seniors (65-75) | Progressive | $927 |
| Seniors (65-75) | Auto-Owners | $1,054 |
| Seniors (65-75) | State Farm | $1,106 |
| Seniors (65-75) | Geico | $1,323 |
| Seniors (65-75) | Vermont Mutual | $1,550 |
| Seniors (65-75) | Co-operative Insurance | $1,581 |
| Seniors (65-75) | Allstate | $1,912 |
| Seniors (65-75) | Farmers | $2,011 |
*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 |
|---|---|---|---|
| USAA* | $754 | $1,243 | $910 |
| State Farm | $783 | $915 | $849 |
| Nationwide | $830 | $1,318 | $1,189 |
| American Family | $890 | $1,249 | $1,632 |
| Geico | $891 | $1,589 | $1,000 |
| Auto-Owners | $919 | $1,478 | $1,126 |
| Allstate | $1,615 | $2,437 | $1,912 |
| Progressive | $1,776 | $2,831 | $2,188 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Vermont
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Vermont.
| City | Annual insurance premium |
|---|---|
Burlington | $1,270 |
Rutland | $1,286 |
South Burlington | $1,251 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
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
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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