Cheap Vermont Car Insurance

Compare the best rates from 9 car insurance companies in Vermont.

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Here's what you need to know when driving in Vermont

Across the Green Mountain State, there are 29,641 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.


 

Cheap Car Insurance

What's the cheapest car insurance in Vermont?
RankCompany NameAvg. Annual Premium
1Safeco$472
2Cal Casualty$509
3USAA$632
4The Hartford$633
5Travelers$722
6Unitrin$724
7Co-Operative Insurance$775
8Concord$874
9GEICO$901
10MMG Insurance$1,042
11MetLife$1,106
12National Grange Mutual$1,156
13Progressive$1,223
14Nationwide$1,224
15State Farm$1,289
16Liberty Mutual$1,366
17Vermont Mutual$1,533
18Allstate$1,552
19Sentry$1,883
20Union Mutual$2,017

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

 

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 usual 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

Liability coverage is legally required in Vermont and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Vermont, the minimum is listed as 25/50/10 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in Vermont and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Vermont, the minimum is listed as 50/100/10 and explained below:

  • $50,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $100,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
  • $10,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured/underinsured driver.

These numbers reflect the minimum limits required in Vermont but higher coverage amounts are available with most companies.

Car Insurance FAQs

Are digital insurance cards accepted in Vermont?

If you happen to find yourself pulled over by a police officer in Vermont you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Should I carry uninsured motorist coverage in Vermont?

7% of drivers don't carry insurance in Vermont — below the national average of 13%. However, it's a good idea to carry uninsured motorist coverage in Vermont to avoid extra costs if you're involved in an accident with an uninsured motorist.

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 Northfield, Vermont.

RankCityAvg. Annual Premium
1Northfield$1,027
2Newport$1,021
3Saint Johnsbury$1,019
4West Brattleboro$1,015
5Manchester Center$1,014
6Brattleboro$1,013
7Bellows Falls$1,011
8Bennington$1,001
9Springfield$998
10White River Junction$996
11Vergennes$996
12Bristol$995
13Swanton$990
14Saint Albans$986
15Fair Haven$982
16Middlebury$980
17Montpelier$978
18Barre$976
19South Burlington$959
20Essex Junction$958
21Rutland$954
22Burlington$952
23West Rutland$952
24Winooski$949

Recent Vermont Car Insurance Questions and Answers

Statute of limitations to file a claim with Geico in Vermont

We have Geico for my truck in Vermont. We were going home and came around a bend and there were ...

JUL 28, 2018
Insuring a vehicle owned by someone else

I am purchasing a car from another person. I want to use his registration until the title clears. Can I ...

MAY 12, 2018
If I’m buying my first car, is there a grace period to get insurance?

I am in the process of looking for my first (used) car from a private seller on Craigslist. Since this ...

APR 12, 2017

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
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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 destrination 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, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

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.

Click here to learn more