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 |
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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 | Excellent | Below average | Excellent | N/A |
| Nationwide | Above 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 | Below 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.
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 |
