What's the Average Cost of Auto Insurance in Vermont?

The Zebra
Oct. 11, 2018

Car insurance is inexpensive in Vermont. The average car insurance price in Vermont is $1,027 per year — less than the US average by 28.0%.

Your auto insurance prices are affected by factors other than geography. Car insurance rates price based on myriad components, such as a driver's age, gender, marital status, credit, and driving history.

We analyzed average Vermont car insurance prices by all of the major rating components. Read on to see how much car insurance costs in each US state — or enter your zip code to receive tailored rates from top insurers.


Average Auto Insurance Rates in Vermont by Age Group

It's a common phenomenon: as you age, your auto insurance rates change. Generally, auto insurance is pricier for teenage drivers, as car insurance companies view inexperienced motorists as less responsible.

In Vermont, car insurance costs $5,078 per year for a 16-year-old driver, but just $885 yearly for a driver aged between 50 and 59.


VERMONT CAR INSURANCE COSTS BY AGE BRACKET
Age Average Annual Rate
16 $5,077.53
17 $4,384.85
18 $4,119.15
19 $2,801.12
20s $1,515.05
30s $1,010.58
40s $976.18
50s $885.26
60s $926.22
70s $1,161.01



Average Car Insurance Outlays in Vermont by Gender

While gender doesn’t have as large an impact on auto insurance prices as location or age, it is employed as a rating factor. Women pay less than do men for car insurance in Vermont, but the gap is only $18.79 annually.

VERMONT CAR INSURANCE RATES BY GENDER
Gender Average Annual Rate
Male $1,027.76
Female $1,008.96



Average Car Insurance Premiums in Vermont by Marital Status

One benefit of marriage — in addition to the wedding gifts — is the lower rates you may receive on auto insurance. In Vermont, married drivers save $109 per year on car insurance policies. This is a better deal than the national mean of $76.


VERMONT CAR INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,027.76
Married $918.40
Divorced $1,020.91
Widowed $1,003.95



Average Car Insurance Prices in Vermont by Credit Score

Car insurers use credit history to predict how reliable a prospective customer will be. Data show drivers who maintain good credit are more reliable car insurance customers: they're less likely to file claims insurance companies are compelled to cover.

In Vermont, a driver who carries exceptional credit can save $1,028.33 per year on car insurance rates, compared to a driver who has a less-favorable credit rating. Learn more about how credit may impact car insurance prices:


VERMONT AUTO INSURANCE COSTS BY CREDIT SCORE
Credit Level Average Annual Premium
Very Poor (300-579) $1,938.80
Fair (580-669) $1,610.95
Good (670-739) $1,309.80
Very Good (740-799) $1,077.36
Exceptional (800-850) $910.48



Typical Car Insurance Costs for Bad Drivers in Vermont

If you are found at fault in an accident or found guilty of a vehicular offense, your auto insurance premiums are bound to climb. The more infractions you amass, the more expensive your car insurance policy becomes.

In Vermont, your first minor at-fault accident costs $353.29 per year in car insurance payments. A DUI — considered among the most serious driving violations — could lift your yearly insurance rates in Vermont by an average of $674.85.


VERMONT AUTO INSURANCE PRICES WITH INFRACTIONS
Age Average Yearly Rate
DWI/DUI $1,702.30
Reckless Driving $1,792.16
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
Open Container $1,145.43
Speeding (21-25 MPH > limit) $1,065.48
Speeding (16-20 MPH > limit) $1,065.48

If you're facing above-average car insurance costs, consider insurance shopping to find affordable coverage that meets state regulations.


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