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.

Best car insurance companies in Vermont
Company AM BestJD PowerNAICInsurance.com scoreAvg. Annual Premium
Auto-OwnersA++8400.53.88$992
State FarmA++8290.73.35$1,139
ProgressiveA+8020.653.29$926
NationwideA+8100.643.29$935
GeicoA++8360.913.04$1,276
AllstateA+8160.652.8$1,733
FarmersA8210.82.23$2,333
Data refreshed as of May 2024
Read our full methodology

USAA offers car insurance only to military members, veterans and their families.

Data refreshed as of May 2024
Read our full methodology

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 liability50/100/50 liability100/300/100 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.

Data refreshed as of May 2024
Read our full methodology

Auto insurance calculator

Average auto insurance rates in Vermont
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
5446 - Colchester
For a 30-year-old male
$29 State minimum
$112 Full coverage
$30 Liability only

Most & least expensive ZIP codes for auto insurance in Vermont

Most Expensive

Zip CodeCityHighest Rate
05073Taftsville$124
05034Bridgewater$123
05041East Randolph$123
05045Fairlee$123

Least Expensive

Zip CodeCityLowest Rate
54460Colchester$112
54520Essex Junction$112
54820Shelburne$113
54030South Burlington$113
Data refreshed as of May 2024
Read our full methodology

Vermont car insurance requirements

You need car insurance with minimum coverage levels of 25/50/10 in Vermont, which costs $306 each year or $26 each month.

Minimum liability insurance 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, Allstate has the cheapest state minimum liability coverage, at $237 per year or $20 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.

State minimum auto insurance coverage in Vermont, VT
Company Liability insurance premiumMonthly liability insurance premium
USAA*$166$14
Allstate$237$20
Auto-Owners$243$20
State Farm$264$22
Geico$298$25
Vermont Mutual$301$25
Progressive$335$28
Nationwide$379$32
Co-operative Insurance$383$32
Farmers$457$38

*USAA offers coverage only to military veterans and their family

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Vermont by age

company_name
Cheapest for teens
$2,179/yr
Learn more
company_name
Cheapest for adults
$906/yr
Learn more
company_name
Cheapest for seniors
$917/yr
Learn more

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

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.

Age group
Teen
Age
16
Table
Graph
Auto-Owners$2,473$206
Nationwide$3,212$268
Progressive$3,455$288
State Farm$4,091$341
USAA$4,604$384
Geico$4,954$413
Vermont Mutual$5,556$463
Allstate$6,126$511
Co-operative Insurance$6,471$539
Farmers$13,109$1,092
Yearly premium

*USAA offers car insurance only to military members, veterans and their families.

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Vermont by driver profile

company_name
Cheapest for at-fault accident
$1,302/yr
Learn more
company_name
Cheapest for DUI
$1,053/yr
Learn more
company_name
Cheapest for speeding ticket
$1,137/yr
Learn more

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. 

Vermont car insurance companies for drivers with tickets and accidents
CompanyClean recordAccidentSpeeding Ticket
USAA$803$1,173$921
State Farm$1,139$1,302$1,206
Nationwide$935$1,385$1,354
Auto-Owners$992$1,498$1,137
Progressive$926$1,570$1,223
Vermont Mutual$1,413$1,718$1,870
Geico$1,276$2,103$1,413
Allstate$1,733$2,419$2,007
Farmers$2,333$3,185$3,146

*USAA offers car insurance only to military members, veterans and their families.

Data refreshed as of May 2024
Read our full methodology

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.

CityAnnual insurance premium
Burlington
$1,270
Rutland
$1,286
South Burlington
$1,251
Data refreshed as of May 2024
Read our full 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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