Car Insurance in Vermont
- Vermont Mutual offers the cheapest full coverage auto insurance in VT
- Compare the cheapest car insurance quotes in VT from Progressive, Allstate, GEICO and Nationwide (+ other top companies)
Here's what you need to know when driving in Vermont
Car insurance is very affordable in Vermont. The average car insurance rate in Vermont is $651 per six-month policy — 40% cheaper than the U.S. average.[1] Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Vermont car insurance rates for these rating factors to help you find an affordable policy.
Data shows that around 35% of Vermonters feel they’re overpaying for car insurance. Even so, many say they’d invest a bit more for top-notch customer service and coverage perks.[2]
Read on to learn how much auto insurance costs in Vermont based on these variables, or submit your ZIP code above to receive personalized quotes from the best car insurance companies.
- Among carriers available in Vermont, State Farm received a score of 664 (out of 1,000) in J.D. Powers' 2024 U.S. Auto Insurance Study for the New England region, making it one of the top-rated choices.[3]
- Read about the rest of the top and best companies in Vermont ↓
- As a highly-rated national carrier with affordable rates and broad coverage options, State Farm Insurance scored a 664 on J.D. Power's 2024 auto study.
- Read more about why we've ranked State Farm as a great fit for many Vermont drivers ↓
- State Farm offered the cheapest liability insurance in Vermont at $27/mo.*
- See the other cheapest liability coverage insurance companies in Vermont ↓
- Vermont Mutual offered the cheapest full insurance coverage in Vermont at $93/mo.*Â
- See the other cheapest full coverage insurance companies and best discounts in Vermont ↓
*Note:Â USAAÂ offers the cheapest rates in Vermont, but it's excluded from our list due to their 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?
Our top pick for Vermont car insurance is State Farm, chosen based on consumer reviews, third-party ratings (J.D. Power, Trustpilot, and AM Best), and features like discounts and coverage options.
Here’s a breakdown of the pros and cons for State Farm, along with other top-rated Vermont insurers.
State Farm is known in Vermont for its reliable, community-centered service, earning high marks in The Zebra Customer Satisfaction Survey.[4] While some policyholders mention occasional delays in claims processing, State Farm’s solid financial standing ensures they’re well-equipped to handle claims and maintain long-term stability.[5]
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Helpful agents and good customer service
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Affordable rates
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Robust coverage options
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Some reviews indicate a slow claims process
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Not a cheap option for some driver profiles
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Fewer discount options than some competitors
Best car insurance in Vermont — honorable mentions
To identify Vermont’s top insurers, we analyzed J.D. Power Auto ratings and reviewed feedback from nearly 3,000 drivers across Vermont and the U.S.
How did we pick what company has the "Best Value" in Vermont?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Vermont
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Find the best coverage and price in Vermont with The Zebra
Cheap liability insurance in Vermont
The average cost for liability insurance in Vermont is $190 for a 6-month policy. For our user profile, State Farm, Vermont Mutual, and USAA offer the most affordable liability insurance in Vermont.
Liability-only policies come at a much lower rate than full coverage, as coverage levels significantly impact cost. The table below provides monthly and 6-month liability insurance quotes from Vermont’s top insurers.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $107 | $18 |
| State Farm | $160 | $27 |
| Vermont Mutual | $181 | $30 |
| GEICO | $189 | $31 |
| Progressive | $198 | $33 |
| Concord Group | $222 | $37 |
| Allstate | $246 | $41 |
| Nationwide | $256 | $43 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 33% of Vermont drivers carry liability-only coverage on their vehicles. The Vermont Department of Financial Regulation mandates minimum liability limits of 25/50/10, meaning $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage per accident. For a deeper look at Vermont’s car insurance requirements and regulations, check out our detailed guide.
Vermont mandates lower minimum liability limits than some other states, which can leave drivers exposed. If you’re responsible for an accident that exceeds these limits, you’re considered underinsured and may face lawsuits for additional damages.
For those opting for minimum coverage, I recommend adding UMBI (uninsured motorist bodily injury) and UMPD (uninsured motorist property damage) coverage, as some Vermont drivers are uninsured. When it comes to insurance, getting the most coverage you can afford is always the safest choice.
Ross Martin, insurance writer and content manager
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $107 | $412 |
| State Farm | $160 | $559 |
| Vermont Mutual | $181 | $557 |
| GEICO | $189 | $638 |
| Progressive | $198 | $599 |
| Concord Group | $222 | $696 |
| Allstate | $246 | $1,007 |
| Nationwide | $256 | $641 |
Source: The Zebra
Cheap full coverage insurance in Vermont
In 2024, full coverage insurance in Vermont averages around $651 for a 6-month policy. A popular choice among drivers, 67% of The Zebra’s Vermont customers request quotes for full coverage insurance.
While full coverage is pricier than liability-only, Vermonters searching for affordable full coverage should begin with Vermont Mutual and State Farm for competitive rates.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $412 | $69 |
| Vermont Mutual | $557 | $93 |
| State Farm | $559 | $93 |
| Progressive | $599 | $100 |
| GEICO | $638 | $106 |
| Nationwide | $641 | $107 |
| Concord Group | $696 | $116 |
| Allstate | $1,007 | $168 |
Source: The Zebra
Full coverage often includes comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a significantly higher cost.
Vermont auto insurance quotes after an accident or ticket
Your driving history is one of the many individual factors that determine how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $490 per year.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $575 | $96 |
| State Farm | $694 | $116 |
| Vermont Mutual | $717 | $120 |
| Nationwide | $947 | $158 |
| GEICO | $959 | $160 |
| Progressive | $1,005 | $168 |
| Concord Group | $1,054 | $176 |
| Allstate | $1,177 | $196 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
No one wants to file a claim, but if the time comes, having an insurance provider that handles claims smoothly can make all the difference. Our 2024 Customer Satisfaction Survey looked at how well insurers supported Vermonters through the claims process. State Farm and USAA received high marks, making them solid options for dependable coverage in Vermont.
In Vermont, a poor driving record can send your insurance rates soaring. Getting a ticket or citation often leads to higher premiums, though the exact increase will depend on the type of violation, your insurer’s pricing policies, and specific local regulations and risk factors. This is why a ticket’s impact on your rates may differ in Vermont compared to the national average.
Source: The Zebra
The Zebra's guide to Vermont car insurance laws for high-risk drivers
Serious violations like DUIs or driving uninsured can complicate your insurance situation significantly. For more details, explore our comprehensive guides on Vermont’s car insurance laws and regulations.
Learn more about car insurance requirements in the state of Vermont with this helpful guide
Vermont DUI laws
In Vermont, a DUI offense can increase your annual car insurance premium by an average of $923. 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.
Low-cost car insurance after a DUI in Vermont
If you're convicted of a DUI or DWI violation in Vermont, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Vermont, Progressive, advertises annual rates 48% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Vermont is State Farm, while the priciest firm is Vermont Mutual, with prices 37% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $705 | $117 |
| State Farm | $809 | $135 |
| USAA | $840 | $140 |
| Concord Group | $1,174 | $196 |
| Allstate | $1,211 | $202 |
| Nationwide | $1,215 | $202 |
| GEICO | $1,398 | $233 |
| Vermont Mutual | $1,874 | $312 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Vermont SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Vermont to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Vermont might require some research, but it could pay off in the end.
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How to acquire an SR-22 in Vermont
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
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For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
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For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Vermont in minutes!
Cheap auto insurance for teens and young drivers in Vermont
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Vermont, teen drivers pay especially high rates: $3,371 per year — that's $1,425 less than the nationwide average and twice as much as a typical Vermont driver.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $1,323 | $221 |
| Concord Group | $1,360 | $227 |
| Vermont Mutual | $1,645 | $274 |
| GEICO | $1,888 | $315 |
| Progressive | $2,015 | $336 |
| State Farm | $2,115 | $352 |
| Nationwide | $2,260 | $377 |
| Allstate | $2,648 | $441 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Allstate | $3,136 | $523 |
| Concord Group | $1,536 | $256 |
| GEICO | $2,187 | $364 |
| Nationwide | $2,346 | $391 |
| Progressive | $2,628 | $438 |
| State Farm | $2,833 | $472 |
| USAA | $2,020 | $337 |
| Vermont Mutual | $1,685 | $281 |
Source: The Zebra
Zebra tip: 3 ways young drivers can save on car insurance
- Take a defensive driving course — it’s a proven way to lower your premiums and stay safer on the road.
- Opt for a reliable, budget-friendly car with top safety ratings instead of a high-performance model. It’s easier on your wallet for repairs and insurance rates.
- Stay on a parent’s policy as long as you can. You’ll save money and benefit from their insurance track record.
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 Jeffersonville, Vermont.
Have a look at the table below to see average car insurance costs in some of Vermont's biggest cities.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Essex Junction | $605 | $101 |
| South Burlington | $614 | $102 |
| Burlington | $624 | $104 |
| Rutland | $636 | $106 |
| Bennington | $653 | $109 |
Source: The Zebra
Compare Vermont car insurance quotes and companies with The Zebra
How have car insurance costs in Vermont changed?
Car insurance rates in Vermont have seen significant ups and downs over the past decade, with an overall trend toward stabilization in recent years. Since the peak in 2015 at $1,885, average premiums dropped sharply, reaching a much more affordable $1,173 in 2024. After a steady decline through 2018 and then some fluctuations, rates have hovered close to $1,150 since 2021, with smaller yearly changes indicating a more stable trend.
| Year | Avg. Annual Premium — Vermont | Yearly Change — Vermont |
|---|---|---|
| 2024 | $1,173 | $11 |
| 2023 | $1,162 | -$22 |
| 2022 | $1,184 | $26 |
| 2021 | $1,158 | $102 |
| 2020 | $1,056 | -$93 |
| 2019 | $1,149 | $46 |
| 2018 | $1,103 | -$693 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Vermont car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Vermont auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 Auto Insurance Study. J.D. Power
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN VT
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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 editorial 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.