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.
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.
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 | -- |
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 |
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 |
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
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.
