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Auto-Owners is the best homeowners insurance company in Vermont, based on a 2023 analysis by Insurance.com, with an overall rating of 4.87. USAA, which is only for military veterans and their families, is second, with an overall rating of 4.57.  

Vermont Mutual also offers the cheapest home insurance in Vermont at all coverage levels.

With so many options out there, it is not easy to choose a homeowners insurance company in Vermont. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, read on for more information.

Key takeaways

  • The average cost of homeowners insurance in Vermont is $1,175 a year or $98 a month.
  • The cheapest homeowners insurance company in Vermont is Vermont Mutual, with an average home insurance rate of $712 a year.
  • Auto-Owners ranks as the best homeowners insurance in Vermont for 2023.

Average home insurance cost in Vermont

The average cost of homeowners insurance in Vermont is $1,175 a year or $98 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.

Best home insurance companies in Vermont 

The best home insurance company in Vermont for 2023 is Auto-Owners, followed by USAA and Vermont Mutual

Below is a full list of the top Vermont insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Vermont
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Auto-OwnersA++$ 7510.194.87
USAA*A++$ 1,0100.414.57
Vermont MutualA$ 7120.514.44
Co-operative InsuranceA+$ 1,41604.34
State FarmA++$ 1,2751.074.04
FarmersA$ 1,3920.334.04
AllstateA+$ 7982.043.74
TravelersA++$ 2,6610.63.29

*USAA only provides coverage to military members, veterans and their families.

Cheapest home insurance companies in Vermont

Below are Vermont home insurance rates by company for six 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 in every category. 

Cheapest home insurance rates in Vermont by coverage level
Company$200,000$300,000$400,000$500,000$600,000
Vermont Mutual$ 554$ 712$ 839$ 966$ 1,125
Auto-Owners$ 632$ 751$ 897$ 1,057$ 1,184
Allstate$ 632$ 798$ 974$ 1,091$ 1,204
USAA*$ 741$ 1,010$ 1,259$ 1,490$ 1,698
Union Mutual$ 803$ 1,023$ 1,251$ 1,480$ 1,708
State Farm$ 984$ 1,275$ 1,511$ 1,862$ 2,191
Farmers$ 972$ 1,392$ 1,863$ 2,224$ 2,690
Co-operative Insurance$ 979$ 1,416$ 1,855$ 2,293$ 2,470
Travelers$ 2,195$ 2,661$ 3,169$ 3,791$ 4,525

*USAA only provides coverage to military members, veterans and their families.

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

Average home insurance rates in CALIFORNIA

$200,000
$1,000
$100,000
94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $797

HIGHEST RATE: $1,179 LOWEST RATE: $496

Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92325Crestline$1,450
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
94086Sunnyvale$742
94085Sunnyvale$743
94087Sunnyvale$743
95051Santa Clara$743

The most expensive ZIP codes in Vermont for home insurance 

Vermont homeowners insurance rates are the most expensive for ZIP code 05750 with an average annual cost of $1,292.

The most expensive ZIP codes in Vermont are:

ZIP codeAverage annual rates
05750$ 1,292
05741$ 1,290
05745$ 1,286
05159$ 1,286
05357$ 1,286
05823$ 1,285

The least expensive ZIP codes in Vermont for home insurance

The cheapest ZIP codes for home insurance in Vermont are:

ZIP codeAverage annual rates
05404$ 1,056
05408$ 1,061
05403$ 1,071
05401$ 1,076
05452$ 1,080
05446$ 1,081
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