Car insurance costs in Vermont vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Progressive offers the cheapest annual rates for full coverage car insurance in Vermont at $926 annually.
This comprehensive guide to buying car insurance for Vermont drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Vermont works and how much insurance you need.
- Progressive provides the most affordable annual rates for full coverage car insurance in Vermont, at $926 per year.
- In Vermont, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- Minimum liability coverage in Vermont costs around $306 annually for limits of 25/50/10, while liability-only coverage costs $324 per year for limits of 50/100/50.
- In Vermont, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 25%, a DUI raising rates by 65%, and an at-fault accident by up to 44%.
How much is car insurance in Vermont?
According to CarInsurance.com data, drivers in Vermont pay about $110 per month for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in Vermont by coverage level
In Vermont, the cost of car insurance can vary depending on how much coverage you purchase. Vermont drivers need at least the minimum insurance coverage limits of 25/50/10 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Vermont. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Vermont for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $25 | $306 |
| Liability Only – 50/100/50 BI/PD | $27 | $324 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $110 | $1,319 |
State minimum car insurance in Vermont
Vermont laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $10,000 for property damage liability.
The state minimum car insurance cost in Vermont is $306 a year. However, this basic coverage only offers limited protection. Vermont drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Vermont must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Vermont
Liability-only car insurance costs $324 in Vermont for coverage limits of 50/100/50, according to CarInsurance.com data.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Vermont
On average, premiums for full coverage car insurance in Vermont cost $1,319 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
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Calculate the cost of car insurance in Vermont
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Vermont have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Vermont Car Insurance Rates by ZIP Code
Estimate car insurance in Vermont by car model
Car insurers in Vermont use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much car insurance costs for your car make and model in Vermont.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Vermont
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Vermont drivers aged 30 to 60 have the lowest average auto insurance rates at $1,271 annually.
Drivers aged 16-19 pay $3,263 more for car insurance than Vermont drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,534 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,306 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,271 annually in Vermont.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,320 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Vermont
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Vermont can increase your premiums by up to 65% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Vermont, you’ll likely see an increase in your car insurance premium by up to 25% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Vermont after driving incidents:
- Speeding ticket: Up to 25% increase
- DUI conviction: 65% increase
- At-fault accident (bodily injury and property damage): 44% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Vermont for high-risk drivers
In Vermont, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,173 |
| State Farm | $1,302 |
| Nationwide | $1,385 |
| Auto-Owners | $1,498 |
| Progressive | $1,570 |
| Vermont Mutual | $1,870 |
| Geico | $2,103 |
| Allstate | $2,419 |
| Farmers | $3,386 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Vermont
In Vermont, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Vermont by getting quotes from different insurance companies.
In the table below, see an overview of various car insurance companies in Vermont, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Progressive | $344 | $373 | $926 |
| Nationwide | $382 | $381 | $935 |
| Auto-Owners | $232 | $264 | $992 |
| State Farm | $264 | $308 | $1,139 |
| Geico | $286 | $317 | $1,276 |
| Vermont Mutual | $301 | $301 | $1,413 |
| Co-operative Insurance | $383 | $399 | $1,640 |
| Allstate | $234 | $257 | $1,733 |
| Farmers | $466 | $456 | $2,333 |
| USAA | $168 | $184 | $803 |
Car insurance rates by city in Vermont
Taftsville is the most expensive city in Vermont, with an average car insurance rate of $1,367 a year. Essex Junction is the cheapest city for Vermont drivers at an average rate of $1,240 annually.
Car insurance rates vary by city in Vermont for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Vermont’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $788 |
| Nationwide | $918 |
| Progressive | $934 |
| Auto-Owners | $973 |
| State Farm | $1,057 |
| Geico | $1,256 |
| Vermont Mutual | $1,403 |
| Co-operative Insurance Companies | $1,656 |
| Allstate | $1,697 |
| Farmers | $2,416 |
How much does car insurance cost in Vermont per month?
The average cost of a full-coverage car insurance policy in Vermont costs $110 monthly for coverage limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $25 |
| Liability Only – 50/100/50 BI/PD | $27 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $110 |
Final thoughts on choosing car insurance in Vermont
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Vermont.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Vermont. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/10.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Vermont