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 get a clear idea of how car insurance in Vermont works and how much coverage you need.
- The average cost of car insurance in Vermont is $1,319 a year or $110 per month, based on our data analysis.
- 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.
- Progressive provides the most affordable annual rates for full coverage car insurance in Vermont, costing $926 per year.
- 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 budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Vermont based on driver profile:
- Teen drivers in Vermont pay the most — about $378 a month or $4,534 a year.
- Young drivers in their 20s pay an average of $203 monthly or $2,437 annually, for car insurance.
- Senior drivers pay around $110 monthly or $1,320 a year.
- A speeding ticket can increase your rates to $142 monthly or $1,709 annually.
- An at-fault accident increases car insurance rates to $157 a month or $1,885 a year.
- Poor credit drivers usually see their car insurance costs increase to $225 monthly or $2,701 annually.
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 insurance is the least expensive coverage and meets the minimum legal requirements in Vermont, but it doesn’t offer adequate 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.
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
In Vermont, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $10,000 of 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
The average cost of liability-only insurance in Vermont is $324 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Vermont
In Vermont, you can expect to pay around $1,319 per year for full coverage car insurance 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.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Vermont pay more for premiums than those in lower-risk areas.
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.
Calculate car insurance rates by ZIP code in Vermont
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
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Estimate car insurance in Vermont by car model
In Vermont, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
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 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.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Vermont, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $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
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Vermont, a DUI conviction often results in higher premiums and you may see an increase of up to 65% as insurers perceive you as a high-risk driver.
If you get caught speeding in Vermont, your car insurance rates will increase by 25% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
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, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
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.
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 their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Vermont by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Vermont and 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.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall 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.
How much does car insurance cost in Vermont per month?
Car insurance in Vermont costs an average of $110 a month for a full coverage policy with limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
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 September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 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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