Cheap Vermont Car Insurance

Compare the best rates from 20 car insurance companies in Vermont.

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Cheap car insurance 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.

 

What's the cheapest car insurance in Vermont?
RankCompany NameAvg. Annual Premium
1Safeco$472
2Cal Casualty$509
3The Hartford$633
4Travelers$733
5USAA$947
6Unitrin$965
7Union Mutual Fire Group$1,016
8Concord Group$1,016
9Co-Operative$1,033
10Vermont Mutual$1,086
11MetLife$1,106
12GEICO$1,266
13State Farm$1,278
14Nationwide$1,299
15Dairyland$1,512
16Progressive$1,732
17National Grange Mutual$1,739
18Allstate$2,025
19Metropolitan$2,059

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Cheap 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$18114.94%
No Accidents$47631.67%
Good Credit$91146.99%

Cheap 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.

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

Cheap Car 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 FactorAnnual Rate% Increase
At-Fault Accident$1,50431.67%
DUI$1,70239.63%
Speeding Violation$1,20814.94%
Bad Credit$1,93946.99%

What are the Best Car Insurance Companies in Vermont?

Every car insurance company boasts about its cheap costs. But as with any product, the most affordable 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.

Compare top auto insurers' financial strength and claims satisfaction ratings to better predict the quality of service they'll provide. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurer's financial strength and ability to satisfy its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Cal CasualtyNot RatedExcellent
Co-Operative InsuranceNot RatedExcellent
ConcordNot RatedExcellent
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
MMG InsuranceNot RatedExcellent
Nationwide4Superior
Safeco3Excellent
State Farm3Superior
The Hartford4Excellent
Travelers3Superior
USAA5Superior
Vermont MutualNot RatedSuperior

 

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What is the Best Auto Insurance Coverage in Vermont?

The minimum insurance requirement in Vermont is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

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.

Compare typical rates for basic and comprehensive policy levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Vermont$377.62$907.56$1,031.16
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Vermont

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

Learn more about Vermont's car insurance requirements

Vermont Car Insurance FAQs

Does Vermont car insurance cover chiropractic care?

It depends on the reason for the chiropractic care. If you were injured in a car accident, you might have coverage through your medical payments optional coverage or your liability insurance.

Is car insurance more expensive in Massachusetts than Vermont?

Basic car insurance coverage is $231 per year more expensive in Massachusetts than in Vermont. 

What type of car insurance is required in Vermont?

Vermont requires bodily injury limits of $25,000 per person and $50,000 per accident, and $10,000 in property damage coverage. Vermont also requires uninsured motorist coverage of $50,000, bodily injury coverage of $100,000, and property damage insurance of $10,000.

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.

RankCityAvg. Annual Premium
1Newport$1,180
2Northfield$1,173
3Brattleboro$1,159
4Bellows Falls$1,156
5Barre$1,155
6Montpelier$1,154
7Swanton$1,153
8West Rutland$1,144
9White River Junction$1,143
10Bennington$1,142
11Burlington$1,137
12Essex Junction$1,133
13Springfield$1,131
14Bristol$1,131
15Vergennes$1,128
16Rutland$1,122
17South Burlington$1,121
18Winooski$1,119

Recent Vermont Car Insurance Questions and Answers

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.

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.

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.


Driving Laws

Vermont Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on all cell phones for drivers <18 years old
  3. Ban on text messaging for all drivers

Vermont DUI Laws

Vermont’s DUI lookback period is 10 years. Multiple offenses within this timeframe subject offenders to harsher penalties.

In addition to the below penalties, drivers guilty of a DUI in Vermont are subject to an assortment of fees for attendance in treatment programs, screenings, and license reinstatement. Penalties are also enhanced for any DUIs that result in serious injury or death.

First-time DUI offenses in Vermont lead to:

  • Up to two years in jail
  • Up to $750 in fines
  • License suspension for 90 days

How Do Tickets Impact Vermont Car Insurance Rates?

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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,02188%$946
Refused Breathalyzer/Chemical Test$1,95282%$877
DUI$1,95282%$877
Racing$1,66655%$591
Reckless Driving$1,73061%$655
Driving with a Suspended License$1,89176%$816
At-Fault Accident$1,52842%$453
Driving with an Open Container$1,57547%$500
Operating a Vehicle Without Permission$1,27018%$195
Passing a School Bus$1,31322%$238
Improper Passing$1,28419%$209
Following Too Closely$1,28419%$209
Speeding$1,27318%$198
Failure to Stop at a Red Light$1,28419%$209
Illegal Turn$1,28419%$209
Driving Wrong Way/Wrong Lane$1,26117%$186
Failure to Yield$1,28419%$209
Speeding in a School Zone$1,26518%$190
Driving Too Slowly$1,26518%$190
Distracted Driving$1,67556%$600
Driving with Expired Registration$1,1668%$91
Failure to Show Documents$1,1537%$78
Not-at-Fault Accident$1,1578%$82
Failure to Use Child Safety Restraint$1,1083%$33
Failure to Wear a Seat Belt$1,1083%$33
Driving Without Lights$1,0952%$20

Vermont Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Vermont area, while also getting an insider view of the Green Mountain State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2020

Notification

Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.