Cheap Vermont Car Insurance

Find affordable auto insurance that works for you in Vermont. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Vermont

Car insurance is very affordable in Vermont. Drivers in the state pay an average of $1,156 per year for their auto insurance — $392 less than the national average. In fact, Vermont is the eighth-cheapest state for car insurance.

A number of details factor into car insurance rates, including the company you select. Compare rates from the most popular auto insurance companies in Vermont to begin your search for cheap coverage.


 

Affordable insurance companies in Vermont

What's the cheapest car insurance in Vermont?
Rank Company Name Avg. Annual Premium
1 Safeco $472
2 Cal Casualty $509
3 The Hartford $633
4 Travelers $733
5 Vermont Mutual $1,086
6 MetLife $1,106
7 State Farm $1,278
8 Nationwide $1,299
9 Progressive $1,732
10 Allstate $2,025

Collect quotes from dozens of insurance companies that offer coverage throughout Vermont. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Vermont

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Vermont drivers without a recent moving violation save just 14% on their car insurance premiums, on average — compared to the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $181 14.94%
No Accidents $476 31.67%
Good Credit $911 46.99%

 

Cheap auto insurance for young drivers in Vermont

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. The average teen driver in Vermont pays $4,285 annually — approximately $700 less than the average teen driver nationally, but about four times as much as an older driver in Vermont.

Age Annual Rate with Parents Annual Rate Alone
16 $4,766 $5,078
17 $4,552 $4,385
18 $4,655 $4,119
19 $3,925 $2,801

 

Cheap auto insurance for bad drivers in Vermont

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a driving record with citations and violations will cause your costs to skyrocket: car insurance premiums typically increase by 39% after a DUI, 31% after an at-fault accident, and 14% after a speeding ticket in Vermont. The post-citation penalties assessed by car insurance companies in the Mountain State are similar to nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating Factor Annual Rate % Increase
At-Fault Accident $1,504 31.67%
DUI $1,702 39.63%
Speeding Violation $1,208 14.94%
Bad Credit $1,939 46.99%

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Top rated car insurance companies in Vermont

Every car insurance company boasts about its cheap costs. But as with any product, the best-priced car insurance option isn't always the best idea. Considering the stakes, it's worth doing your homework to obtain an auto policy that will cover your vehicle after an accident. Be patient and look for the best value, rather than settling for the cheapest car insurance you find.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Cal Casualty N/A N/A Good N/A
MetLife N/A Below average Excellent N/A
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
Safeco Average Average Excellent N/A
State Farm Above average Above average Superior 4.5 / 5
The Hartford Excellent Above average Excellent N/A
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5
Vermont Mutual N/A N/A Superior N/A

 

Vermont auto insurance laws

In Vermont, the state minimum coverage requirements are as follows:

Liability

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $10,000 per accident

Uninsured/Underinsured Motorist

  • Bodily Injury $50,000 per person
  • Bodily Injury $100,000 per accident
  • Property Damage $10,000 per accident

Optional coverage in Vermont (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance

If you carry the minimum required coverage in Vermont, expect to owe an average of $378 each year. These rates are more affordable than the nationwide average by 43%. If you elect better coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by auto collisions, auto theft, or weather incidents. Better auto insurance comes at a cost: in Vermont, a comprehensive policy with a $1,000 deductible costs $908, 140% more than liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 173% more than you would for liability-only coverage.

Learn more about Vermont's car insurance requirements

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Ticket Impact on Auto Insurance Rates in Vermont

If you receive a ticket, your car insurance premiums will probably get more expensive. By how much depends on the severity of the violation, your insurer's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at typical auto insurance rates in Vermont after a few common citations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,021 88% $946
Refused Breathalyzer/Chemical Test $1,952 82% $877
DUI $1,952 82% $877
Racing $1,666 55% $591
Reckless Driving $1,730 61% $655
Driving with a Suspended License $1,891 76% $816
At-Fault Accident $1,528 42% $453
Driving with an Open Container $1,575 47% $500
Operating a Vehicle Without Permission $1,270 18% $195
Passing a School Bus $1,313 22% $238
Improper Passing $1,284 19% $209
Following Too Closely $1,284 19% $209
Speeding $1,273 18% $198
Failure to Stop at a Red Light $1,284 19% $209
Illegal Turn $1,284 19% $209
Driving Wrong Way/Wrong Lane $1,261 17% $186
Failure to Yield $1,284 19% $209
Speeding in a School Zone $1,265 18% $190
Driving Too Slowly $1,265 18% $190
Distracted Driving $1,675 56% $600
Driving with Expired Registration $1,166 8% $91
Failure to Show Documents $1,153 7% $78
Not-at-Fault Accident $1,157 8% $82
Failure to Use Child Safety Restraint $1,108 3% $33
Failure to Wear a Seat Belt $1,108 3% $33
Driving Without Lights $1,095 2% $20

 

Vermont car insurance FAQs

How much is car insurance in Vermont?

Six-month premiums in Vermont range from $187 for a liability-only to $515 for a full coverage policy.

Is Vermont a no-fault insurance state?

Vermont is not a no-fault state. All at-fault drivers must pay for the bodily injury they cause in a collision.

Does Vermont require auto insurance?

Yes, like most states in the U.S., Vermont requires all registered vehicles to carry auto insurance.

How much does car insurance cost in Vermont cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Winooski, Vermont, and the most expensive in Newport, Vermont.

Rank City Avg. Annual Premium
1 Newport $1,180
2 Northfield $1,173
3 Brattleboro $1,159
4 Barre $1,155
5 Montpelier $1,154
6 Bennington $1,142
7 Burlington $1,137
8 Springfield $1,131
9 Rutland $1,122
10 Winooski $1,119

 

Recent Questions:

If I'm buying my first car, is there a grace period to get insurance?

Technically you need to be insured when you get behind the wheel. When buying a car from a dealership, you are required to have insurance before you drive off the lot.
Apr 11, 2017 Burlington, VT

Will a DWI in Canada affect my U.S. insurance rates?

If it is never tagged onto your license from the United States then reports will never show it. No company in the U.S.
Jan 14, 2021 Derby, VT

What is the statute of limitations to file a claim with GEICO in Vermont

Each company has different requirements, but Vermont requires that you file a claim within three years of the incident. Most companies require you to report any incident (whether you file a claim or not) as soon as possible.
Jul 27, 2018 Barre, VT

Insuring a vehicle owned by someone else

Most car insurance companies require you have an insurable interest in the vehicle. So, if you are purchasing the vehicle and thus will own it, you shouldn't have a problem getting car insurance.
May 11, 2018 South Hero, VT

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.