Scenic high way 89 in Vermont during autumn time

Cheapest Car Insurance Vermont

The cheapest car insurance in Vermont can typically be found through USAA for as low as $60 per month. State Farm and Auto-Owners also have competitive rates.

Discover if you are overpaying for car insurance below.

Enter ZIP Code

Invalid ZIP Code

Compare My Rates

With our comparison partner,

Updated: Apr 11, 2024

Written by: Daniel Robinson

Written by: Daniel Robinson Writer

Daniel is a MarketWatch Guides team writer and has written for numerous automotive news sites and marketing firms across the U.S., U.K., and Australia, specializing in auto finance and car care topics. Daniel is a MarketWatch Guides team authority on auto insurance, loans, warranty options, auto services and more.

Writer

Edited by: Rashawn Mitchner

Edited by: Rashawn Mitchner Managing Editor

RaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on things including travel, entertainment and household services.

Senior Editor

We at the MarketWatch Guides Auto Team have reviewed the cheapest car insurance options in Vermont. We took an in-depth look at the best car insurance companies and the cheapest car insurance companies in Vermont, comparing rates, coverage, ratings and reviews.

In the following article, you’ll find estimates for drivers from different profiles and a list of recommended providers. You’ll also find key information about Vermont insurance laws and regulations.

Related Resources

Cheapest Car Insurance Companies Car Insurance Rates by State 10 Largest Car Insurance Companies in the U.S. Best Car Insurance Companies Average Cost of Car Insurance

Compare Car Insurance Rates

Get matched with a top provider and compare instant quotes in just a few clicks

Check Availability

With our comparison partner,

Why You Can Trust the MarketWatch Guides Team

Here’s a breakdown of how we reviewed and rated the top auto insurance providers

130

Providers Reviewed

8500

Data Points Analyzed

800

Research Hours

8500

Customers Surveyed

Learn more about our methodology and editorial guidelines.

Cheapest Vermont Auto Insurance

Consider USAA, State Farm, Auto-Owners Insurance, and Vermont Mutual in your search for affordable car insurance in Vermont. While your rates will vary due to personal factors, you’ll likely find competitive rates when you compare car insurance quotes from these providers.

Cheapest Vermont Car Insurance Companies

While many of the most cost-effective car insurance providers offer quality coverage, that isn’t always the case. Below are some insurance options for auto coverage that merge affordability and top-ranked service in Vermont.

Top Vermont Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Learn More
State Farm Learn More	9.2	9.0	9.2	Learn More
USAA Learn More	9.5	9.5	8.0	Learn More
Auto-Owners Learn More	8.8	8.5	9.2	Learn More
Vermont Mutual	7.4	7.5	9.8

Top Vermont Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Learn More
State Farm Learn More	9.2	9.0	9.2	Learn More
USAA Learn More	9.5	9.5	8.0	Learn More
Auto-Owners Learn More	8.8	8.5	9.2	Learn More
Vermont Mutual	7.4	7.5	9.8

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Vermont.

Because car insurance companies have different calculation methods for premiums, no two quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Vermont.

Cheapest Car Insurance Coverage in Vermont

The coverage level you choose will impact how much you will pay for car insurance. You should always consider full coverage even though minimum liability insurance is all that is required.

Cheapest Minimum Liability Insurance in Vermont

Vermont drivers pay an average of $282 per year for minimum liability insurance, which is around $24 per month. USAA offers the cheapest average liability insurance costs in Vermont, with rate estimates of $181 per year or $15 per month.

Cheapest Liability Insurance in Vermont	Estimated Monthly Cost	Estimated Annual Cost
USAA	$15	$181
Union Mutual	$17	$200
Auto-Owners Insurance	$18	$219
Geico	$19	$233
State Farm	$19	$227

Cheapest Full Coverage Car Insurance in Vermont

Rate estimates from the Guides Auto Team found that the best car insurance in Vermont can be purchased for as little as $60 per month. The table below shows which providers offer the cheapest car insurance prices for full coverage in Vermont:

Cheapest Full Coverage Insurance in Vermont	Estimated Monthly Cost	Estimated Annual Cost
USAA	$60	$724
State Farm	$63	$757
Auto-Owners Insurance	$66	$792
Nationwide	$75	$905
Progressive	$79	$945
Geico	$84	$1,005
Union Mutual	$89	$1,064
Vermont Mutual Insurance Group	$106	$1,268

Cheap Car Insurance Vermont

Age, driving history and a person’s credit scores can have a huge impact on the cost of car insurance in Vermont. Below we compare cheap car insurance estimates for Vermont drivers in these categories.

Cheapest Car Insurance for Young Drivers in Vermont

Young drivers usually pay more for auto insurance than older adults. The sections below go over how much you can expect to pay for car insurance at different ages.

Cheapest Vermont Car Insurance for 16-Year-Olds

Our research shows Auto-Owners Insurance offers the cheapest auto insurance rates in Vermont for 16-year-old-drivers.

Cheapest Car Insurance in Vermont	Estimated Monthly Cost	Estimated Annual Cost
Auto-Owners Insurance	$135	$1,621
State Farm	$191	$2,290
Nationwide	$234	$2,803
Geico	$263	$3,155
Vermont Mutual Insurance Group	$268	$3,213

Cheapest Vermont Car Insurance for 17-Year-Olds

Our research shows Auto-Owners Insurance offers the cheapest auto insurance rates in Vermont for 17-year-old-drivers. According to our rate estimates, 17-year-old drivers pay slightly less for car insurance than 16-year-old drivers.

Cheapest Car Insurance in Vermont	Estimated Monthly Cost	Estimated Annual Cost
Auto-Owners Insurance	$127	$1,518
State Farm	$170	$2,037
USAA	$209	$2,507
Nationwide	$234	$2,803
Geico	$238	$2,850

Cheapest Vermont Car Insurance for 18-Year-Olds

Our research shows Auto-Owners Insurance offers the cheapest auto insurance rates in Vermont for 18-year-old-drivers. Auto-Owners Insurance offers car insurance for as low as $119/month to 18-year-olds.

Cheapest Car Insurance in Vermont	Estimated Monthly Cost	Estimated Annual Cost
Auto-Owners Insurance	$119	$1,429
State Farm	$152	$1,823
USAA	$171	$2,046
Geico	$229	$2,747
Nationwide	$234	$2,803

Cheapest Vermont Car Insurance for 21-Year-Olds

Our research shows USAA and Auto-Owners Insurance offer the cheapest auto insurance rates in Vermont for 21-year-old-drivers. These two providers offer rates as low as $101/month to a 21-year-old driver.

Cheapest Car Insurance in Vermont	Estimated Monthly Cost	Estimated Annual Cost
USAA	$101	$1,212
Auto-Owners Insurance	$101	$1,215
State Farm	$104	$1,251
Nationwide	$124	$1,485
Geico	$125	$1,502

Cheapest Vermont Car Insurance for 25-Year-Olds

State Farm offers the cheapest auto insurance rates in Vermont for 25-year-old-drivers. In Vermont, you can get car insurance for as low as $73/month with State Farm.

Cheapest Car Insurance in Vermont	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$73	$876
USAA	$78	$931
Auto-Owners Insurance	$85	$1,019
Nationwide	$89	$1,068
Geico	$94	$1,129

Compare Car Insurance Rates

Get matched with a top provider and compare instant quotes in just a few clicks

Check Availability

With our comparison partner,

Cheapest Car Insurance in Vermont for High-Risk Drivers

People who have a speeding ticket, poor credit, a DUI or a recent accident can pay much more for auto insurance. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.

Cheapest Vermont Car Insurance for Drivers With a Speeding Ticket

Getting a speeding ticket will increase your car insurance premiums in Vermont. Motorists with a speeding violation on their record pay an average of $1,220 per year in the Green Mountain State.

Cheapest Car Insurance in Vermont	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$60	$714
Auto-Owners Insurance	$63	$758
USAA	$64	$766
Geico	$88	$1,054
Nationwide	$92	$1,101

Cheapest Vermont Car Insurance for Drivers With a Recent Accident

Your auto policy premiums will increase if you’ve been in a recent at-fault accident. Vermont drivers who have a car accident on their record pay an average of $1,481 per year for car insurance.

Cheapest Car Insurance in Vermont	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$65	$774
USAA	$80	$954
Auto-Owners Insurance	$83	$993
American Family Insurance	$97	$1,160
Nationwide	$111	$1,329

Cheapest Vermont Car Insurance for Drivers With a DUI

The cost of car insurance in Vermont will almost certainly skyrocket after a DUI conviction, as companies will flag you as a high-risk driver. Vermont motorists with a DUI on their driving record pay around $2,065 per year on average.

Cheapest Car Insurance in Vermont	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$60	$714
Auto-Owners Insurance	$92	$1,109
USAA	$113	$1,350
Nationwide	$143	$1,719
Progressive	$152	$1,826

Cheapest Vermont Car Insurance for Drivers With Poor Credit

If you have a bad credit score, expect to pay significantly more for an auto insurance policy in Vermont. The average premium for Vermont car insurance coverage is a lofty $1,919 per year for those with poor credit.

Cheapest Car Insurance in Vermont	Estimated Monthly Cost	Estimated Annual Cost
Auto-Owners Insurance	$79	$948
Geico	$97	$1,168
Nationwide	$101	$1,214
USAA	$117	$1,409
Co-operative Insurance	$176	$2,114

Compare Car Insurance Rates

Get matched with a top provider and compare instant quotes in just a few clicks

Check Availability

With our comparison partner,

Best Cheap Car Insurance in Vermont

For those who would like to know about the cheapest auto insurance in Vermont, the sections below contain more detailed information:

#1 State Farm: Most Popular Provider

9.4/10

Overview

Vermont drivers choose State Farm for its affordable rates, local insurance agents and strong customer service reputation. With the state’s lowest average premiums for many types of drivers, State Farm tops the rankings for car insurance in Vermont.

Keep reading: State Farm insurance review

Industry Standing

J.D. Power regional rating: 855/1,000
AM Best financial strength rating: A++
Better Business Bureau (BBB) rating: A+

#2 USAA: Low Rates for Military

9.2/10

Overview

USAA stands out for combining strong customer service with some of the nation’s lowest rates on average. The company received the highest customer satisfaction score for the New England region in the J.D. Power 2021 U.S. Auto Insurance Study℠. Coverage is only available to military members, veterans and their families, but it can be a smart choice for those who qualify.

Keep reading: USAA insurance review

Industry Standing

J.D. Power regional rating: 887/1,000
AM Best financial strength rating: A++
BBB rating: A+

#3 Auto-Owners Insurance: High-Quality Service

8.8/10

Overview

There’s a lot to like about Auto-Owners Insurance, from affordable average rates in the Green Mountain State to a below-average number of customer complaints compared to competitors. It’s a good option to compare with State Farm, as both companies are known for local agents and low prices on car insurance in Vermont.

Industry Standing

J.D. Power regional rating: Unranked
AM Best financial strength rating: A++
BBB rating: A+

#4 Vermont Mutual: Strong Local Option

9/10

Overview

Vermont Mutual, headquartered in Montpelier, is the state’s top local auto insurance provider. While it tends to be slightly more expensive than competitors, the company has a positive industry reputation. With A+ ratings from both AM Best and the BBB, Vermont Mutual can be a good choice for those searching for dependable local car insurance in Vermont.

Industry Standing

J.D. Power regional rating: Unranked
AM Best financial strength rating: A+
BBB rating: A+

Compare Car Insurance Rates

Get matched with a top provider and compare instant quotes in just a few clicks

Check Availability

With our comparison partner,

Average Cost of Car Insurance in Vermont

The average cost of full coverage car insurance in Vermont is $1,056 per year or $88 per month. Motorists in the Green Mountain State pay about 39% less than the national average, which is $1,730 annually for those with a clean driving record.

U.S. map showing the average annual cost of full-coverage car insurance in each state

City in Vermont	Estimated Monthly Cost	Estimated Annual Cost
Rutland	$99	$1,186
Middlebury	$102	$1,222
St. Albans	$102	$1,229
Swanton	$103	$1,231
Barre	$103	$1,234
Montpelier	$103	$1,236
Winooski	$103	$1,240
South Burlington	$104	$1,246
Springfield	$104	$1,248
Burlington	$104	$1,248
West Hartford	$104	$1,248
Williston	$104	$1,249
Brattleboro	$104	$1,249
Shelburne	$104	$1,253
Milton	$105	$1,255
Colchester	$105	$1,256
Essex Junction	$105	$1,259
Bennington	$105	$1,262
St. Johnsbury	$106	$1,271
Northfield	$106	$1,273

*Average rates above apply to the top three companies in each city.

Cheapest Vermont Car Insurance by Age

Drivers without much experience on the road often pay the highest premiums for car insurance in Vermont, while middle-aged drivers typically find the lowest rates on average.

The table below shows estimated monthly and annual premiums for Vermont drivers of all ages:

Age	Estimated Monthly Cost	Estimated Annual Cost
16	$297	$3,560
17	$268	$3,221
18	$242	$2,906
19	$222	$2,666
21	$142	$1,708
25	$103	$1,237
30	$92	$1,104
40	$88	$1,053
50	$79	$947
55	$77	$929
65	$84	$1,011
75	$84	$1,011

As you can see from the table above, teen drivers can expect to pay significantly more for car insurance than older drivers.

Factors That Affect Vermont Car Insurance Rates

As we’ve illustrated above, factors like age, location and driving history play a major role in the cost of car insurance. Car insurance rates are difficult to predict because there are several factors beyond even what we’ve already discussed that affect auto insurance rates in Vermont.

These variables include:

Your age
Your location
Your marital status
Your driving record
Your credit score
The gender listed on your driver’s license
The deductible you choose
The make, model, age and mileage of your vehicle

Vermont Car Insurance Requirements

Vermont follows an at-fault car insurance system, so the driver who caused an accident will be required to pay for all damages. It’s common for at-fault states to have relatively low car insurance premiums, and that’s certainly the case in Vermont.

Vermont Minimum Coverage Requirements

Drivers must meet the state minimum coverage requirements below for car insurance in Vermont:

Bodily injury liability insurance: $25,000 per person and $50,000 per accident
Property damage liability coverage: $10,000 per accident
Uninsured/underinsured motorist bodily injury liability: $50,000 per person and $100,000 per accident
Uninsured/underinsured motorist property damage liability: $10,000 per accident

Many Vermont drivers get auto insurance policies that extend beyond the coverage limits mandated by state law. Two of the most popular choices are collision coverage and comprehensive coverage.

Is It Illegal Not To Have Car Insurance in Vermont?

Driving without proof of car insurance in Vermont leads to a civil penalty of up to $500. On top of resulting in penalties from the Vermont Department of Motor Vehicles, driving without insurance is dangerous and can lead to significant financial loss.

How To Get Car Insurance in Vermont

USAA, State Farm, Auto-Owners Insurance and Nationwide typically provide the cheapest car insurance in Vermont for good drivers. If you’re hoping to find affordable auto coverage in the Green Mountain State, compare car insurance quotes from providers.

Compare Car Insurance Rates

Get matched with a top provider and compare instant quotes in just a few clicks

Check Availability

With our comparison partner,

Vermont Car Insurance: The Bottom Line

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Vermont. We also looked at average cost of car insurance and coverage requirements in the Green Mountain State.

Cheapest Car Insurance in Vermont: FAQ

Below are some frequently asked questions about cheap car insurance in Vermont:

Frequently Asked Questions

The average cost of full coverage car insurance in Vermont is $1,056 per year or $88 per month. Those with minimum coverage policies pay an average of $282 per year or $24 per month.

Vermont drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability car insurance along with $50,000 per person and $100,000 per accident in uninsured/underinsured motorist coverage. Drivers are also required to have $10,000 in both property damage liability and uninsured/underinsured motorist property damage liability.

No, you cannot drive without car insurance in Vermont. According to Vermont law, you can expect a civil penalty of up to $500 if you’re caught driving without auto insurance.

Vermont is an at-fault state, meaning whichever driver caused an accident will be liable to pay for all damages. At-fault states such as Vermont typically have reasonable rates on car insurance policies.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials: