Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Progressive offers the most affordable car insurance at $926 per year.
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 get a clear idea of how car insurance in Vermont works and how much coverage 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?
In Vermont, drivers pay an average of $110 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
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
Car insurance costs in Vermont can differ based on the coverage limit. To legally drive, Vermont residents must adhere to the minimum liability limits of 25/50/10.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Vermont for different coverage levels.
| 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 coverage in Vermont costs $306 a year but doesn’t provide much protection for drivers. Vermont drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Vermont must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Vermont
According to CarInsurance.com data, liability-only car insurance costs $324 in Vermont for limits 50/100/50.
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.
Calculate the cost of car insurance in Vermont
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Vermont have to bear greater financial burdens than those in areas with lower risks.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Vermont car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Vermont by car model
Vermont car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
See how much you’ll pay for car insurance for your specific 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 you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Vermont drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,271 annually.
Car insurance for drivers aged 16-19 costs $3,263 more annually than Vermont drivers aged 30-60.
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 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,271 per year in Vermont.
- For senior drivers: Drivers age 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
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Vermont, a DUI conviction lead to increased rates and you may see a rate hike of up to 65% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Vermont, be prepared for your car insurance rates to rise by up to 25% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Vermont following driving incidents:
- Speeding ticket: Up to 25% increase
- DUI conviction: 65% increase
- At-fault accident (bodily injury and property damage): 44% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Vermont for high-risk drivers
High-risk drivers in Vermont pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
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 the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and 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
Explore car insurance costs in your neighboring states
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.
Start your search for the best car insurance policy in Vermont by getting quotes from several insurers for comparison.
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 priciest city in Vermont for car insurance, costing an average of $1,367 annually. On the other hand, Essex Junction is the most affordable city, where drivers pay an average of $1,240 per year for car insurance.
Car insurance costs differ from city to city in Vermont, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
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.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and 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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Vermont.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
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.
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