Best car insurance in Vermont (2024)

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Gianetta PalmerContributing WriterGianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.&Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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The average cost of a full coverage car insurance policy in Vermont is $1,047 per year. Drivers in the Green Mountain State enjoy some of the lowest insurance rates in the country, but that doesn’t mean they can’t still save even more on car insurance.

Ready to shop car insurance?

The best way to find a great deal on car insurance is to shop around and compare options before you buy. Policygenius can help you see quotes from top car insurance companies, so you can feel confident you’re picking the right one.

Key takeaways

  • State Farm has the cheapest car insurance in Vermont at $627 per year for full coverage

  • Bennington has the most expensive car insurance rates in the state

  • Vermont requires at least $25,000 per person/$50,000 per accident in bodily injury liability and at least $10,000 in property damage liability

  • Uninsured/underinsured motorist coverage is also required in Vermont

Methodology & why you can trust our rates

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Cheapest car insurance companies in Vermont

Car insurance premiums differ for everyone. Neighbors on the same street can pay significantly different prices for car insurance because of personal details like age, credit score, and driving record.

Prices can also vary from company to company, which is why it’s important to shop around for your best rates.

Company

Average cost

JD Power Rating

State Farm

$627

882

USAA

$734

890

GEICO

$822

874

Main Street America

$876

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Concord Group

$902

--

Cheapest car insurance companies by age in Vermont

Statistics show that young drivers are more likely to be in an accident than any other age group. More accidents mean more filed claims, which is why young drivers pay the most for car insurance.

Age

Cheapest company

Average cost

16

Concord Group

$2,102

18

State Farm

$1,770

21

State Farm

$1,161

25

State Farm

$753

30

State Farm

$638

35

State Farm

$624

45

State Farm

$620

55

State Farm

$588

60

State Farm

$575

65

State Farm

$572

70

State Farm

$604

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Choosing the right car insurance company in Vermont

Selecting the right car insurance company is an important decision for you and your family. Choosing the right option means comparing more than just cost — you should also make sure you’re getting enough coverage to be fully protected, and take a look at customer service and claims satisfaction ratings before you pick a company.

Policygenius can help you understand your options and quotes from top companies, so you know you’re getting your best rates.

Car insurance rates for drivers with driving violations in Vermont

If you’ve been caught speeding or arrested for a DUI, there’s a good chance you’ll pay a lot more for car insurance.

If you accumulate too many points on your license in a short period of time, your insurance company may choose not to renew your policy, and you’ll have to shop around to find an insurer that will still offer you coverage.

Violation

State Farm

USAA

GEICO

Main Street America

Concord Group

At-fault accident

$754

$1,099

$1,399

$1,234

$1,530

DUI

$696

$1,604

$2,338

$1,999

$1,709

Suspended license

$696

$1,526

$936

$1,999

$1,709

Open container

$696

$1,337

$2,111

$1,999

$1,307

Expired registration

$696

$905

$846

$1,210

$1,307

Driving without lights

$696

$905

$936

$1,210

$1,307

Running a red light

$696

$905

$936

$1,999

$1,307

Following too closely

$696

$905

$936

$1,321

$1,307

Hit and run

$696

$1,683

$2,338

$1,999

$1,709

Not-at-fault accident

$638

$790

$890

$925

$1,016

Passing a school bus

$696

$1,337

$936

$1,999

$1,709

Reckless driving

$696

$1,337

$1,755

$1,999

$1,709

Speeding

$696

$905

$936

$1,999

$1,165

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Cheapest car insurance for drivers with a DUI in Vermont

Company

Rates for drivers with DUIs

State Farm

$696

USAA

$1,604

Concord Group

$1,709

Main Street America

$1,999

GEICO

$2,338

Cheapest car insurance for drivers with a speeding ticket in Vermont

Company

Rates for drivers with speeding tickets

State Farm

$696

USAA

$905

GEICO

$936

Concord Group

$1,165

Main Street America

$1,999

Cheapest car insurance for drivers with bad credit in Vermont

A lower credit score usually means higher insurance rates, so if you know you have poor credit, it’s all the more important to shop around and compare quotes before you buy a policy.

Company

Rates for drivers with bad credit

GEICO

$1,092

Nationwide

$1,428

Concord Group

$1,459

USAA

$1,536

Union Mutual

$1,663

Car insurance costs in Vermont cities

Vermont ranks near the bottom when it comes to population size, with fewer than 650,000 people calling the state home. That one reason why rates are lower in Vermont — fewer drivers on the roads means fewer accidents and claims.

But rates can still vary depending on where in Vermont you live. Here’s what drivers pay in the 10 biggest cities in the state:

  • Burlington: $1,035

  • South Burlington: $1,021

  • Rutland: $1,041

  • Essex Junction: $994

  • Bennington: $1,050

  • Barre: $1,019

  • Winooski: $1,026

  • Montpelier: $1,019

  • Middlebury: $1,018

  • St. Albans: $1,037

Ready to shop car insurance?

Buying car insurance in Vermont

Vermont state law says that all vehicles registered in the state have the at least the following amount of car insurance:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $10,000

  • Uninsured/underinsured motorist coverage: $50,000 per person; $100,000 per accident; and $10,000 PD

Vermont is an at-fault state when it comes to car accidents, which means that after an accident, the at-fault driver’s insurance company covers the other party’s medical bills and repair costs, up to the limits of the policy.

The state minimums in Vermont are low, so in order to make sure you’re fully covered in case you cause an accident, you should set your liability limits much higher than the amounts required by law.

How to get cheap car insurance in Vermont

Discounts are some of the best ways to lower your car insurance costs. Most car insurance companies offer a range of discounts, and some of the most common include:

  • Bundling discount: For getting multiple policies from the same insurance company

  • Good student discount: For full-time high school or college students who maintain a B average or better

  • Military discount: For active-duty service members and their families

  • Safe-driver discount: For drivers who have no recent accident claims  

These discounts aren’t available to all drivers. So to keep your insurance costs low, you should also drive safely and reshop for car insurance every time your policy is up for renewal.

Frequently asked questions

Who has the lowest car insurance in Vermont?

According to our analysis, State Farm has the lowest average rates in the state at $627 per year.

Is insurance cheap in Vermont?

Yes! On average, car insurance in Vermont costs $1,047 per year. That makes Vermont one of the cheapest states for auto insurance in the country.

What car insurance is required in Vermont?

Drivers in Vermont have to carry at least $25,000 of bodily injury liability coverage per person, $50,000 per accident, and $25,000 of property damage liability. Vermont also requires $50,000 of uninsured motorist bodily injury coverage per person and $100,000 per accident.

How much is it to register a vehicle in Vermont?

You can register a car in Vermont for $74 to $132, depending on the type of fuel that the vehicle uses. Electric cars are slightly cheaper to register than gas- or diesel-powered vehicles. Besides the registration fee, you may have to pay additional fees for your plates.

Authors

Gianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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