Car insurance costs an average of $96 per month in Vermont. Learn more about how rates are generated and how to save.
Car insurance is generally inexpensive in Vermont. The average car insurance price in Vermont is $1,156 per year — 25.9% less than the national average.
But auto insurance costs are impacted by factors other than the state in which you live. Auto insurance premiums are set based on an array of details, including the insured party's driving record, credit history, gender, age, and marital status.
We analyzed average Vermont auto insurance premiums by each of the main rating factors. See below how much car insurance costs in each U.S. state — or enter your ZIP code to receive personalized quotes from top car insurers.
It’s a fact of life: as you get older, your auto insurance rates change. As a general rule, auto insurance is more expensive for young drivers, as car insurance companies see inexperienced motorists as posing a greater risk.
In Vermont, auto insurance costs $5,078 annually for a 16-year-old motorist, but just $885 per year for a driver aged between 50 and 59.
|Age||Average Annual Rate|
If you're facing the frightful prospect of finding insurance for a teen driver, consider that Vermont is the 11th-cheapest state in which to buy auto insurance for a 16-year-old.
While gender doesn’t have as large an effect on auto insurance prices as location or age, it is used as a rating factor by auto insurance companies.
|Gender||Average Yearly Rate|
If you're concerned you aren't getting the best possible deal with your current car insurance company, the best option is to compare rates and shop around.
One benefit of getting married — in addition to the wedding gifts — is the price cut you typically receive on your car insurance policy. In Vermont, married motorists save $109 each year on auto insurance policies. This is more than the national post-wedding price cut of $76.
|Marital Status||Average Annual Rate|
Vermont is among the cheapest states in which to purchase car insurance if you're divorced.
Car insurance underwriters use credit to gauge a potential customer's insurability. Data trends show motorists with exceptional credit histories are more dependable car insurance customers: they're less likely to file claims insurance companies are compelled to cover.
In Vermont, a driver with excellent credit saves $1,028 per year on car insurance rates, contrasted with a driver saddled with a less-favorable credit rating. Read more about how credit history impacts car insurance premiums:
|Credit Quality||Average Annual Rate|
|Very Poor (300-579)||$1,938.80|
|Very Good (740-799)||$1,077.36|
Finding cheap auto insurance coverage if you have a low credit score can be hard. But we're here to provide some help. Use The Zebra to compare rates and save.
If you’re found to be at fault in an accident or convicted of an on-road offense, your insurance rates are bound to climb. The more offenses you rack up, the pricier your auto insurance becomes.
In Vermont, your first minor at-fault accident will cost $353 per year in auto insurance payments. A DUI — considered among the most severe driving offenses — may raise your yearly insurance rates in Vermont by an average of $674.
|Violation type||Average Annual Premium|
|At-Fault Accident (<$1,000)||$1,380.73|
|At-Fault Accident ($1,000-$2,000)||$1,351.35|
|At-Fault Accident (>$2,000)||$1,504.14|
|Speeding (21-25 MPH > limit)||$1,065.48|
|Speeding (16-20 MPH > limit)||$1,065.48|
If your policy is more costly than the state average, consider shopping to get affordable insurance coverage that meets your requirements.
The sum you pay monthly for auto insurance is dependent on the level of coverage you choose. A liability-only policy generally is less costly, while low-deductible comprehensive coverage costs more. In Vermont, the cost gap between liability-only coverage and comprehensive coverage with a $500 deductible is $666.
|Coverage Level||Average Yearly Premium|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$415|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$953|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,077|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$364|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$902|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,026|
|State Minimum — Liability Only||$329|
|State Minimum — $1,000 Comprehensive/Collision||$869|
|State Minimum — $500 Comprehensive/Collision||$995|
If you're facing above-average car insurance costs, think about shopping to find affordable coverage that suits your needs.