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.
*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.
| 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
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa 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 code | Average 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 code | Average annual rates |
|---|---|
| 05404 | $ 1,056 |
| 05408 | $ 1,061 |
| 05403 | $ 1,071 |
| 05401 | $ 1,076 |
| 05452 | $ 1,080 |
| 05446 | $ 1,081 |
