Car Insurance in Vermont

Car insurance quotes in Vermont

In Vermont, six-month car insurance policies average $761, making them 35% cheaper than the U.S. average.^[1] Location alone, however, does not dictate cost; rates are shaped by individual variables like driving experience and age.

Interestingly, 42% of Vermonters feel they pay too much for car insurance, according to our data.^[2] Even so, a significant number remain willing to pay extra if it means getting outstanding customer service and comprehensive coverage. 

*Note: USAA offers the cheapest rates in Vermont, but it's excluded from our list due to its strict eligibility guidelines. The Zebra focuses on providers accessible to most consumers. If you're eligible for USAA, it's an excellent choice.

What are the best car insurance companies in Vermont?

We’ve named Amica Mutual Insurance as Vermont's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like JD Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.

Add insurance companies to the tool below to see how each stacks up against our pick on a national level. 

Cheap liability insurance in Vermont

The average cost for liability insurance in Vermont is $230 for a 6-month policy.^[1] For our user profile, GEICO offers the most affordable liability insurance options in the state at $29/mo.

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Vermont, a full coverage insurance policy with a $500 deductible costs $761, considerably more than liability-only car insurance.

According to our data, 36% of Vermont drivers carry only the state-required liability coverage.^[2] In Vermont, the law mandates minimum liability limits of 25/50/10. Learn more about car insurance requirements in the state of Vermont with our helpful guide.

Cheap full coverage insurance in Vermont

In 2026, the average cost of full coverage insurance in Vermont is $761 for a six-month policy. Full coverage is a popular choice here, with 64% of The Zebra’s Vermont customers opting for quotes that offer this more comprehensive protection.^[2]

While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Vermont Mutual — as our latest data shows they have the cheapest rates in Vermont.

Car insurance in popular Vermont cities

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

Have a look at the table below to see average car insurance costs in some of Vermont's biggest cities.

Vermont auto insurance quotes after an accident or ticket

Your driving history plays a major role in what you’ll pay for car insurance in Vermont. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Vermont insurers after an at-fault accident.

Vermont car insurance for high-risk drivers

For high-risk drivers in Vermont with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.

Understanding Vermont's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.

How much is DUI insurance in Vermont?

In Vermont, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

Cheap car insurance after a DUI in Vermont

If you're convicted of a DUI violation in Vermont, it’s key to carefully consider your insurance options. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Vermont.

There is no car insurer in particular that offers inexpensive DUI car insurance in Vermont. The recommended way to save in the wake of a DUI citation is to shop around.

How have average car insurance costs in Vermont changed?

Vermont's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.

This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.

Vermont car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Vermont auto insurance.