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 $1,102 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.
Key takeaways
- The state minimum coverage in Vermont costs $285 annually.
- The cheapest full coverage policy for Vermont drivers is offered by USAA at $788 per year.
- Teen drivers in Vermont get the cheapest car insurance from Auto-Owners at $2,098 a year.
- For drivers with a DUI on their driving history in Vermont, State Farm offers the cheapest rates at $1,779 per year.
- Cheapest car insurance companies in Vermont
- Cheapest car insurance for teens in Vermont
- Cheapest car insurance for young drivers in Vermont
- Cheapest car insurance for adults in Vermont
- Cheapest car insurance for seniors in Vermont
- Cheapest car insurance rates in Vermont by driving record
- Average cost of car insurance in Vermont
Cheapest car insurance companies in Vermont
USAA is the cheapest car insurance company in Vermont that offers full coverage policy at about $788 per year or $66 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.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| USAA | $788 | $66 |
| State Farm | $816 | $68 |
| Nationwide | $830 | $69 |
| American Family | $914 | $76 |
| Geico | $963 | $80 |
| Auto-Owners | $978 | $82 |
| Vermont Mutual | $1,172 | $98 |
| Allstate | $1,704 | $142 |
| Progressive | $1,757 | $146 |
Cheapest car insurance for teens in Vermont
Auto-Owners is the cheapest car insurance provider for teen drivers in Vermont. It offers insurance at about $2,098 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.
| Company | Average annual premium |
|---|---|
| Auto-Owners | $2,098 |
| American Family | $2,640 |
| State Farm | $2,668 |
| USAA | $3,028 |
| Nationwide | $3,050 |
| Geico | $3,376 |
| Vermont Mutual | $4,586 |
| Progressive | $4,694 |
| Allstate | $5,393 |
Cheapest car insurance for young drivers in Vermont
The cheapest car insurance company for young drivers in Vermont is USAA at about $1,366 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.
| Company | Average annual premium |
|---|---|
| USAA | $1,366 |
| Auto-Owners | $1,485 |
| Nationwide | $1,498 |
| State Farm | $1,509 |
| American Family | $1,580 |
| Geico | $1,602 |
| Progressive | $2,699 |
| Vermont Mutual | $2,919 |
| Allstate | $3,002 |
Cheapest car insurance for adults in Vermont
According to Insurance.com's rate analysis, USAA offers the cheapest car insurance for adults in Vermont. Its average rate is $817 annually.
Below are the companies that offer cheap insurance rates for adult drivers in Vermont.
| Company | Average annual premium |
|---|---|
| USAA | $817 |
| State Farm | $843 |
| Nationwide | $845 |
| Geico | $940 |
| American Family | $971 |
| Auto-Owners | $1,023 |
| Vermont Mutual | $1,298 |
| Allstate | $1,674 |
| Progressive | $1,812 |
Cheapest car insurance for seniors in Vermont
State Farm offers the cheapest car insurance for seniors in Vermont. The average annual premium offered is $780. 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:
| Company | Average annual premium |
|---|---|
| State Farm | $780 |
| USAA | $786 |
| Nationwide | $834 |
| Geico | $897 |
| Auto-Owners | $1,017 |
| American Family | $1,054 |
| Vermont Mutual | $1,221 |
| Allstate | $1,721 |
| Progressive | $1,814 |
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 $1,956 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.| Company | Average annual premium |
|---|---|
| Geico | $1,157 |
| Nationwide | $1,160 |
| Auto-Owners | $1,354 |
| USAA | $1,691 |
| American Family | $2,077 |
| Allstate | $2,550 |
| State Farm | $2,608 |
| Progressive | $3,047 |
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 $1,317 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.
| Company | Average annual premium |
|---|---|
| State Farm | $849 |
| USAA | $875 |
| Nationwide | $1,023 |
| Geico | $1,045 |
| Auto-Owners | $1,093 |
| American Family | $1,559 |
| Allstate | $1,952 |
| Progressive | $2,140 |
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 $1,554 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.| Company | Average annual premium |
|---|---|
| State Farm | $915 |
| USAA | $1,113 |
| Nationwide | $1,220 |
| American Family | $1,221 |
| Auto-Owners | $1,426 |
| Geico | $1,530 |
| Allstate | $2,357 |
| Progressive | $2,651 |
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 $1,779 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.
| Company | Average annual premium |
|---|---|
| State Farm | $849 |
| Nationwide | $1,540 |
| USAA | $1,550 |
| Auto-Owners | $1,596 |
| Progressive | $1,924 |
| American Family | $1,945 |
| Allstate | $2,309 |
| Geico | $2,519 |
Average cost of car insurance in Vermont
The average car insurance rate for full coverage in Vermont is $1,102 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 $285 annually.
