Best and cheapest homeowners insurance in Vermont for 2024

Best home insurance companies in Vermont: Auto-Owners

The best home insurance company in Vermont for 2024 is Auto-Owners. State Farm, Allstate, Farmers, and Travelers 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.

Best home insurance in Vermont
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Auto-Owners	A++	0.37	4.97	$793
State Farm	A++	0.83	4.37	$1,258
Allstate	A+	1.46	3.55	$798
Farmers	A	0.67	2.87	$1,868
Travelers	A++	1.10	2.60	$3,024

Cheapest home insurance companies 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 except $1,000,000.

Cheapest home insurance in Vermont
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Vermont Mutual	$554	$712	$839	$1,125	$1,760
Auto-Owners	$666	$793	$945	$1,248	$1,851
Allstate	$632	$798	$974	$1,204	$1,640
USAA*	$740	$1,008	$1,257	$1,694	$2,472
Co-operative Insurance	$852	$1,231	$1,610	$2,141	$3,315
Union Mutual	$951	$1,232	$1,524	$2,109	$3,341
State Farm	$969	$1,258	$1,482	$2,060	$3,100
Farmers	$1,311	$1,868	$2,492	$3,588	$6,070
Travelers	$2,515	$3,024	$3,590	$5,175	$8,683

*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 $1,263 a year or $105 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

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP Code	City	Highest Rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

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

Data refreshed as of Apr 2024

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 $1,444.

The most expensive ZIP codes in Vermont are:

ZIP code	Average annual rates
05750	$1,444
05741	$1,442
05745	$1,439
05159	$1,438
05357	$1,437
05746	$1,420

The least expensive ZIP codes in Vermont for home insurance

The cheapest ZIP codes for home insurance in Vermont are:

ZIP code	Average annual rate
05404	$1,120
05452	$1,141
05408	$1,143
05401	$1,143
05403	$1,145
05495	$1,145

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.