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

It's cheap to get car insurance in Vermont!

Whoa! Vermont is one of the cheapest states for car insurance. Let's see how much you'll save!

At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Vermont might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.

What's the cheapest car insurance in Vermont?
Rank Company Name Avg. Annual Premium
1 Safeco $472
2 Cal Casualty $509
3 USAA $632
4 The Hartford $633
5 Travelers $722
6 Unitrin $724
7 Co-Operative Insurance $775
8 Concord $874
9 GEICO $901
10 MMG Insurance $1,042
11 MetLife $1,106
12 National Grange Mutual $1,156
13 Progressive $1,223
14 Nationwide $1,224
15 State Farm $1,289
16 Liberty Mutual $1,366
17 Vermont Mutual $1,533
18 Allstate $1,552
19 Sentry $1,883
20 Union 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 $181 14.94%
No Accidents $476 31.67%
Good Credit $911 46.99%

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $1,504 31.67%
DUI $1,702 39.63%
Speeding Violation $1,208 14.94%
Bad Credit $1,939 46.99%

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.

Cheap Vermont Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Vermont.

Car Insurance FAQs

Are digital insurance cards accepted in Vermont?

Yes

What does this mean for you?

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.

Do I need uninsured motorist coverage in Vermont?

Uninsured Drivers in Vermont
Vermont

9%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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.

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

Recent Vermont Car Insurance Questions and Answers

Insuring a vehicle owned by someone else

May 12, 2018

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

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

Apr 12, 2017

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

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
Alcohol Related Fatalities

23

Per Year in Vermont
Annual DUI Arrests
Vermont
2,647
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Additional Resources:

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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.

Click here to learn more.

Prompt

So, Vermont 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.

Please Note:

  • 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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2018.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2019.
  • Submissions will be judged by The Zebra and 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.