Go To Top

The cost of car insurance in Vermont can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in Vermont is $1,065 annually for the profile of a 30-year-old driver.

When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.

Cheapest car insurance companies in Vermont

USAA Casualty is the cheapest car insurance company in Vermont that offers full coverage policy at about $618 per year or $52 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in Vermont.

Following is the list of the cheap auto insurance companies and their average annual and monthly premium.

CompanyAverage annual premiumAverage monthly premium
USAA Casualty$618$52
State Farm Mutl Automobile Ins$783$65
Nationwide Mutual$803$67
Concord General Mutual$874$73
Main St Am Protection$876$73
GEICO General$891$74
Allstate F&C$1,431$119
Progressive Northern$1,625$135
Metropolitan P&C$1,685$140

Cheapest car insurance for teens in Vermont

Concord Gen Mut is the cheapest car insurance provider for teen drivers in Vermont. It offers insurance at about $1,970 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.

CompanyAverage annual premium
Concord Gen Mut$1,970
Geico Gen$2,692
Nationwide Mut$3,555
State Farm Mut Auto$3,778
Allstate Fire & Cas$5,249
Progressive Northern$6,211

Cheapest car insurance for young drivers in Vermont

The cheapest car insurance company for young drivers in Vermont is Geico at about $1,347 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
Geico Gen$1,347
Concord Gen Mut$1,363
Nationwide Mut$1,861
State Farm Mut Auto$2,237
Progressive Northern$3,008
Allstate Fire & Cas$3,022

Cheapest car insurance for adults in Vermont

According to Insurance.com's rate analysis, Geico offers the cheapest car insurance for adults in Vermont. Its average rate is $788 annually.

Below are the companies that offer cheap insurance rates for adult drivers in Vermont.

CompanyAverage annual premium
Geico Gen$788
Concord Gen Mut$857
Nationwide Mut$1,063
State Farm Mut Auto$1,319
Allstate Fire & Cas$1,818
Progressive Northern$2,078

Cheapest car insurance for seniors in Vermont

Concord offers the cheapest car insurance for seniors in Vermont. The average annual premium offered is $756. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.

Below is the list of companies that offer the cheapest car insurance for seniors in Vermont:

CompanyAverage annual premium
Concord Gen Mut$756
Geico Gen$809
Nationwide Mut$1,021
State Farm Mut Auto$1,246
Allstate Fire & Cas$1,942
Progressive Northern$2,034

Cheapest car insurance rates in Vermont by driving record

The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.

Cheapest auto insurance for drivers with poor credit: Geico

Geico has the cheapest auto insurance for drivers with poor credit at about $1,157 annually. If you have poor credit, getting cheap car insurance can be challenging. But the only way to find affordable auto insurance is by shopping around and comparing quotes from multiple insurers.

CompanyAverage annual premium
Geico$1,157
Nationwide$1,201
Concord General Mutual$1,531
USAA$1,798
Main St Am Protection$2,259
Allstate$2,550
State Farm$2,682
Progressive$3,326
Metropolitan$4,419

Cheapest auto insurance for drivers with a speeding ticket: State Farm

If you have a speeding ticket on your record, State Farm offers the cheapest car insurance at about $871 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.

CompanyAverage annual premium
State Farm$871
USAA$964
Geico$1,045
Nationwide$1,220
Concord General Mutual$1,230
Main St Am Protection$1,838
Allstate$1,952
Progressive$2,315
Metropolitan$2,941

Cheapest auto insurance after an at-fault accident : State Farm

State Farm offers the cheapest car insurance after an at-fault accident. Its average cost for Vermont drivers is $939 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.

CompanyAverage annual premium
State Farm$939
USAA$1,174
Nationwide$1,250
Main St Am Protection$1,304
Geico$1,530
Concord General Mutual$1,609
Allstate$2,357
Progressive$2,849
Metropolitan$3,250

Cheapest auto insurance after a DUI : State Farm

If there exists DUI on your driving record, State Farm offers the cheapest auto insurance in Vermont at $871 per year. To find the best deal, it is required to shop around and compare insurance quotes.

The table below lists the cheapest car insurance companies after DUI in Vermont, along with their average annual premium.

CompanyAverage annual premium
State Farm$871
Nationwide$1,569
USAA$1,717
Concord General Mutual$1,798
Progressive$2,091
Main St Am Protection$2,118
Allstate$2,309
Geico$2,519
Metropolitan$4,097

Average cost of car insurance in Vermont

The average car insurance rate for full coverage in Vermont is $1,065 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

The state minimum average rate in Vermont is $304 annually.