Minimum car insurance requirements in Vermont
The minimum car insurance requirements in Vermont are 25/50/10 in liability limits. State minimum coverage pays for injuries and property damage you cause to others, but does not cover damage to your own vehicle.
- 25/50/10 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by Vermont is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State Minimum Requirements | 25/50/10 |
| State minimum car insurance | $299 |
| Liability-only car insurance | $323 |
| Full coverage car insurance | $1,504 |
Average cost of car insurance in Vermont
Car insurance in Vermont costs an average of $1,504 per year, for full coverage insurance with 100/300/100 liability limits and $500 deductibles. Minimum coverage costs an average of $299 annually.
Rates vary based on insurer, ZIP code, driving record, vehicle type and coverage selections. Drivers with clean records and good credit pay lower premiums.
| Average annual premium | $1,504 |
| Average monthly premium | $125 |
Cheapest car insurance companies in Vermont
Progressive has the cheapest average full coverage car insurance in Vermont.
Different companies calculate risk differently, so prices can vary significantly for the same driver. Comparing multiple companies can help drivers find lower prices and better coverage.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| 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 |
Vermont car insurance rates by age group
Age plays a role in car insurance rates. In Vermont, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in Vermont based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $4,362 |
| Young Adults (20-24) | $2,500 |
| Adults (25-60) | $1,503 |
| Seniors (65-75) | $1,498 |
Vermont car insurance costs by coverage level
Generally, Vermont minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Vermont car insurance costs based on coverage level below.
| State minimum car insurance | $299 |
| Liability-only car insurance | $323 |
| Full coverage car insurance | $1,504 |
Cheapest car insurance companies in Vermont by driver profile
If you have a violation or accident on your record, you can expect to pay more for car insurance in Vermont. The highest rates in Vermont are for drivers with Bad Credit. If you have a DUI, several accidents, or a history of reckless driving, your insurance rates will be much higher.
Comparing quotes becomes especially important for high-risk drivers because insurers apply rate increases differently.
| Profile | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-Fault Accident | $1,504 | $2,148 | $645 | 43% |
| Bad Credit | $1,504 | $3,079 | $1,575 | 105% |
| Careless driving | $1,504 | $2,450 | $946 | 63% |
| Claims | $1,504 | $1,581 | $78 | 5% |
| DUI | $1,504 | $2,987 | $1,484 | 99% |
| Reckless driving | $1,504 | $2,862 | $1,359 | 90% |
| Speeding | $1,504 | $1,949 | $445 | 30% |
| Texting ticket | $1,504 | $2,159 | $656 | 44% |
How much does car insurance cost in Vermont per month?
The average monthly cost of car insurance in Vermont depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage Level | Average monthly premium | Average annual cost |
|---|---|---|
| State Minimum BI/PD | $25 | $299 |
| Liability Only - 50/100/50 BI/PD | $27 | $323 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $125 | $1,504 |
Car insurance discounts in Vermont
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Vermont, savings can be very different from one company to another.
Common car insurance discounts include:
- Multi-policy discount
- Safe driver discount
- Good student discount
- Defensive driving discount
- Multi-vehicle discount
- Anti-theft device discount
- Telematics discount
- Paperless billing discount
Ask about all available discounts before purchasing coverage.
| Discount type | Premium before discount | Premium after discount | $ Saving | % Saving |
|---|---|---|---|---|
| Anti-Theft Device | $1,504 | $1,477 | $26 | 2% |
| Comp and Coll Deductibles | $1,504 | $1,199 | $304 | 20% |
| Daily Commute | $1,504 | $1,332 | $172 | 12% |
| Days Advanced Purchase | $1,504 | $1,332 | $172 | 10% |
| Days Per Week Driven | $1,504 | $1,278 | $226 | 15% |
| Education | $1,504 | $1,358 | $146 | 10% |
| Electronic Funds Transfer | $1,504 | $1,439 | $65 | 4% |
| Homeowner | $1,504 | $1,416 | $88 | 5% |
| Lower Annual Mileage | $1,504 | $1,438 | $66 | 4% |
| Loyalty - Years Renewal With Company | $1,504 | $1,398 | $106 | 8% |
| Marital Status | $1,504 | $1,411 | $93 | 7% |
| Multi Policy | $1,504 | $1,326 | $177 | 11% |
| Paperless/Electornic Documents | $1,504 | $1,473 | $30 | 2% |
| Payment Type | $1,504 | $1,382 | $122 | 9% |
| Primary Use | $1,504 | $1,306 | $198 | 13% |
| Profession | $1,504 | $1,358 | $146 | 10% |
| Safety Devices | $1,504 | $1,450 | $53 | 3% |
| Telematics | $1,504 | $1,364 | $139 | 9% |
| Years Insured | $1,504 | $1,321 | $183 | 10% |
How to lower car insurance costs in Vermont
You can lower your car insurance premiums in Vermont by comparing quotes from multiple insurers, choosing a higher deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim., and maintaining a clean driving record.
Ways to save on car insurance include:
- Compare quotes from multiple insurers
- Raise deductibles
- Maintain a clean driving record
- Bundle insurance policies
- Drive a vehicle with lower repair costs
- Ask about available discounts
- Reduce optional coverage on an older vehicle
Review your policy regularly to ensure it continues to provide the right level of coverage at competitive rates.
Car insurance rates in Vermont by model year
The vehicle you drive also affects Vermont car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Vermont car insurance rates below.
Compare accord insurance rates by state
| Company | Style | Average annual premium |
|---|
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 | $1,413 |
Rutland | $1,421 |
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 premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. 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
Car insurance rates are based on a sample driver profile with the following characteristics:
- 40-year-old driver
- Honda Accord LX
- Good credit
- Clean driving record
- 12-mile daily commute
- 10,000 annual miles driven
Full coverage rates are based on:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 collision deductible
- $500 comprehensive deductible
Additional rate data includes:
- State minimum coverage limits
- Teen, young adult, adult and senior drivers
- Poor, fair and excellent credit tiers
- Speeding tickets
- DUI convictions
- At-fault accidents
Rates are sourced from Quadrant Information Services and analyzed across multiple ZIP codes and insurers.
Vermont car insurance coverage guide: FAQ
How much is car insurance in Vermont?
Car insurance in Vermont costs an average of $1,504 annually for full coverage and $299 annually for minimum coverage.
Which company has the cheapest car insurance in Vermont?
Progressive offers the cheapest average full coverage rates in Vermont.
What does full coverage car insurance include?
Full coverage includes liability insurance and all coverages required by state law, plus collision and comprehensive coverage for damage to your own vehicle after covered losses.
Why does car insurance cost more after a DUI or accident?
Insurance companies raise premiums after violations because drivers with DUIs and accidents are statistically more likely to file future claims.
Compare Vermont car insurance rates with other states
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