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

The Zebra
Feb. 8, 2019

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

But auto insurance costs are impacted by factors other than the state in which you live. Auto insurance premiums price 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 US state — or enter your zip code to receive tailored prices from top car insurers.


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Vermont car insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Rates in Vermont by Age

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 more risky.

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


VERMONT AUTO INSURANCE COSTS BY AGE
AgeAverage 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

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.




Average Car Insurance Costs in Vermont by Gender

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.


VERMONT CAR INSURANCE PREMIUMS FOR MEN AND WOMEN
GenderAverage Yearly Rate
Male$1,027.76
Female$1,008.96

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.




Average Auto Insurance Premiums in Vermont by Marital Status

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.


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

Car insurance for divorced drivers in Vermont is the 45th most expensive in the nation. If you are being overcharged for your policy, don't hesitate to shop around. You never know when you'll find a great deal!




Average Auto Insurance Prices in Vermont by Credit History

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 boasting excellent credit saves $1,028.33 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:


VERMONT CAR INSURANCE COSTS BY CREDIT TIER
Credit QualityAverage Annual Rate
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

Finding cheap auto insurance coverage if you're saddled with a low credit score can be hard. But we're here to provide some help. Review our guide to finding auto insurance with bad credit and learn how to save!




Median Auto Insurance Costs for High-Risk Drivers in Vermont

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 $353.29 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 $674.85.


VERMONT CAR INSURANCE RATES AFTER INFRACTIONS
AgeAverage Annual Premium
DUI/DWI$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 your policy is more costly than the state average, consider shopping to get affordable insurance coverage that meets your requirements.




Average Auto Insurance Costs by Coverage Tier in Vermont

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.


VERMONT AUTO INSURANCE COSTS BY COVERAGE LEVEL
Coverage LevelAverage 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.