The best car insurance in Vermont

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 17, 2021

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The average cost of a full coverage car insurance policy in Vermont is $1,124 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.

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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 $667 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

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

$666

881

USAA

$745

890

Concord Group

$815

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GEICO

$822

871

Main Street America

$880

--

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

$2,055

18

Concord Group

$1,737

21

USAA

$1,221

25

State Farm

$798

30

State Farm

$677

35

State Farm

$662

45

State Farm

$658

55

State Farm

$623

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

Concord Group

GEICO

Main Street America

At-fault Accident

$800

$1,120

$1,615

$1,399

$1,243

DUI

$739

$1,634

$1,806

$2,338

$2,013

Driving with a suspended license

$739

$1,555

$1,806

$936

$2,013

Driving with an open container

$739

$1,361

$1,380

$2,111

$2,013

Driving with expired registration

$739

$920

$1,380

$846

$1,219

Driving without Lights

$739

$920

$1,380

$936

$1,219

Failure to show documents

$739

$920

$1,380

$846

$1,219

Failure to stop at a red light

$739

$920

$1,380

$936

$2,013

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

Concord Group

$1,337

Nationwide

$1,425

USAA

$1,705

Union Mutual

$1,706

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: $1,118

  • South Burlington: $1,105

  • Rutland: $1,118

  • Essex Junction: $1,076

  • Bennington: $1,124

  • Barre: $1,097

  • Winooski: $1,109

  • Montpelier: $1,097

  • Middlebury: $1,093

  • St. Albans: $1,112

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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 $667 per year.

Why does it cost so much to insure young drivers?

Insurance companies charge young drivers more for car insurance because statistics show they cause the most accidents and file more claims than any other age group. But rates slowly fall as you gain experience, as long as you maintain a clean driving record.

I moved across town, do I need to tell my insurance my new address?

You should inform your insurer of your new address, otherwise you may not be covered if you go to file a claim. You could also see lower insurance rates depending on your neighborhood.

Methodology

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.