- Best home insurance company in Vermont: Travelers
- Cheapest home insurance company in Vermont: Vermont Mutual
- Average home insurance cost in Vermont
- Vermont home insurance rates by ZIP code
- Vermont homeowners insurance rates by county
- Compare homeowners insurance rates by city in Vermont
- Methodology
- Compare Vermont homeowners insurance rates with other states
Best home insurance company in Vermont: Travelers
The best home insurance company in Vermont for 2026 is Travelers. Auto-Owners, Allstate and Vermont Mutual are among the top home insurance companies in Vermont based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance company in Vermont: Vermont Mutual
Below are Vermont home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Vermont Mutual has the most affordable rates for all coverage levels.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| State Farm | $970 | $1,259 | $1,476 | $2,048 | $2,696 |
| Farmers | $986 | $1,352 | $1,760 | $2,486 | $4,102 |
| Allstate | $745 | $950 | $1,169 | $1,447 | $1,573 |
| Travelers | $978 | $1,199 | $1,499 | $2,078 | $3,208 |
| Auto-Owners | $768 | $919 | $1,095 | $1,454 | $1,837 |
| Co-operative Insurance Companies | $893 | $1,292 | $1,692 | $2,250 | $3,379 |
| Union Mutual | $880 | $1,114 | $1,361 | $1,854 | $2,415 |
| Vermont Mutual | $609 | $773 | $908 | $1,212 | $1,651 |
| USAA | $741 | $1,008 | $1,256 | $1,691 | $2,182 |
*USAA only provides coverage to military members, veterans and their families.
Average home insurance cost in Vermont
The average cost of homeowners insurance in Vermont is $1,063 a year or $89 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Vermont homeowners insurance companies to get the best deal.
Vermont home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Vermont to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Vermont Department of Financial Regulation says...
The homeowner's market is competitive in nature. Therefore, it pays to shop around. Rates may vary considerably from one company to another. However, rates are not the only factor to consider. A company's service record and reputation are important and may justify paying slightly more for a policy. Also, some companies may be more willing than others to insure you for a certain type of risk.
- The Vermont Department of Financial RegulationThe most expensive ZIP codes in Vermont for home insurance
Vermont homeowners insurance rates are the most expensive for ZIP code 5340 with an average annual cost of $1,122.
The most expensive ZIP codes in Vermont are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Bondville | 5340 | $1,122 |
| Readsboro | 5350 | $1,119 |
| Lowell | 5847 | $1,119 |
| Newport Center | 5857 | $1,118 |
| Albany | 5820 | $1,116 |
The least expensive ZIP codes in Vermont for home insurance
The cheapest ZIP codes for home insurance in Vermont are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Winooski | 5404 | $963 |
| South Burlington | 5403 | $978 |
| Milton | 5468 | $979 |
| Colchester | 5446 | $983 |
| Williston | 5495 | $987 |
Vermont homeowners insurance rates by county
Home insurance rates in Vermont vary by county. Take a look at the average rates by county in Vermont below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Addison | $1,056 | $88 |
| Bennington | $1,091 | $91 |
| Caledonia | $1,049 | $87 |
| Chittenden | $996 | $83 |
| Essex | $1,073 | $89 |
| Franklin | $1,061 | $88 |
| Grand Isle | $1,069 | $89 |
| Lamoille | $1,069 | $89 |
| Orange | $1,060 | $88 |
| Orleans | $1,088 | $91 |
| Rutland | $1,071 | $89 |
| Washington | $1,050 | $88 |
| Windham | $1,087 | $91 |
| Windsor | $1,065 | $89 |
Compare homeowners insurance rates by city in Vermont
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Vermont.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
