- Among the companies analyzed by CarInsurance.com, Progressive stands out as the cheapest option for full coverage car insurance in Vermont, with an insurance premium of $77 per month.
- Drivers in Vermont with a clean record pay 39% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Vermont is Essex Junction, with an annual premium of $1,240.
- Vermont drivers can save up to 30% annually on their auto insurance policy by comparing price quotes from multiple carriers.
The cheapest car insurance in Vermont costs $77 per month for a full coverage policy from Progressive. That’s a $33 savings from the average cost of insurance in the state, which is $110 a month.
“Drivers looking to get the cheapest insurance premiums in Vermont should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Vermont including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Which company offers the cheapest car insurance rates in Vermont?
Based on data analysis by CarInsurance.com, Progressive provides the cheapest full coverage auto insurance rates for Vermont drivers at a monthly rate of $77 or $926 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Vermont.
Cheapest car insurance rates in Vermont per month
| Company | Full coverage monthly rates |
|---|---|
| Progressive | $77 |
| Nationwide | $78 |
| Auto-Owners | $83 |
| State Farm | $95 |
| GEICO | $106 |
| Vermont Mutual | $118 |
| Co-operative Insurance | $137 |
| Allstate | $144 |
| Farmers | $194 |
| USAA* | $67 |
Note: USAA is only available to military community members and their families.
Vermont drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 9% less than single drivers.
- Vermont drivers with clean records pay 39% less than drivers who have a DUI on their record.
- Vermont drivers in their 20s pay 57% lower rates for insurance than a 16-year-old in Vermont.
- Adding a teen to your policy will cost you 70% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 24% less on their insurance premiums.
- Drivers insured for three or more years can save up to 11% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 13% for this state more on their premiums.
Cheapest Vermont companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Auto-Owners is the cheapest for a state minimum policy.
- Allstate has the cheapest rates for a liability-only policy (50/100/50).
- Progressive offers the cheapest car insurance for a full coverage policy (100/300/100) in Vermont.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest state minimum coverage in Vermont
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Vermont, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Vermont, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Auto-Owners | $232 |
| Allstate | $234 |
| State Farm | $264 |
| GEICO | $286 |
| Vermont Mutual | $301 |
| Progressive | $344 |
| Nationwide | $382 |
| Co-operative Insurance | $383 |
| Farmers | $466 |
| USAA* | $168 |
Note: USAA is only available to military community members and their families.
Cheapest Vermont insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Vermont’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Allstate | $257 |
| Auto-Owners | $264 |
| Vermont Mutual | $301 |
| State Farm | $308 |
| GEICO | $317 |
| Progressive | $373 |
| Nationwide | $381 |
| Co-operative Insurance | $399 |
| Farmers | $456 |
| USAA* | $184 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Vermont
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Vermont, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Progressive | $926 |
| Nationwide | $935 |
| Auto-Owners | $992 |
| State Farm | $1,139 |
| GEICO | $1,276 |
| Vermont Mutual | $1,413 |
| Co-operative Insurance | $1,640 |
| Allstate | $1,733 |
| Farmers | $2,333 |
| USAA* | $803 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest auto insurance in Vermont by driving history
Your driving history impacts insurance premiums in Vermont, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Vermont, drivers with a history of traffic violation pay an average of $412 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in Vermont
If you’ve got a speeding ticket on your Vermont driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $849, State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Vermont.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $783 | $849 | 8% | $66 |
| GEICO | $891 | $987 | 11% | $95 |
| Auto-Owners | $919 | $1,051 | 14% | $132 |
| Nationwide | $830 | $1,192 | 44% | $363 |
| American Family | $890 | $1,666 | 87% | $776 |
| Allstate | $1,615 | $1,866 | 16% | $251 |
| Progressive | $1,776 | $2,131 | 20% | $355 |
| USAA* | $754 | $862 | 14% | $108 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Vermont
CarInsurance.com analyzed insurance rates for Vermont drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $849. Auto-Owners is the second-cheapest insurer at an average of $1,533 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 39% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $783 | $849 | 8% | $66 |
| Auto-Owners | $919 | $1,533 | 67% | $614 |
| Nationwide | $830 | $1,536 | 85% | $707 |
| Progressive | $1,776 | $1,916 | 8% | $140 |
| American Family | $890 | $1,920 | 116% | $1,030 |
| Allstate | $1,615 | $2,208 | 37% | $593 |
| GEICO | $891 | $2,454 | 175% | $1,563 |
| USAA* | $754 | $1,528 | 103% | $774 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Vermont
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $915.
American Family is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,205.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $783 | $915 | 17% | $132 |
| American Family | $890 | $1,205 | 35% | $314 |
| Nationwide | $830 | $1,217 | 47% | $388 |
| Auto-Owners | $919 | $1,370 | 49% | $451 |
| GEICO | $891 | $1,472 | 65% | $580 |
| Allstate | $1,615 | $2,254 | 40% | $639 |
| Progressive | $1,776 | $2,637 | 49% | $862 |
| USAA* | $754 | $1,098 | 46% | $344 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Vermont cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Essex Junction is the city with the lowest premiums in Vermont at an annual auto insurance rate of $1,240.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Vermont cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Essex Junction | $1,240 |
| Williston | $1,244 |
| Shelburne | $1,249 |
| South Burlington | $1,251 |
| Winooski | $1,255 |
| Barre | $1,265 |
| Montpelier | $1,266 |
| Burlington | $1,270 |
| Colchester | $1,271 |
| East Montpelier | $1,272 |
Explore the top 10 factors that influence car insurance rates
Average savings on car insurance in Vermont
If you compare car insurance quotes, you could enjoy an annual saving of around 30% on a full coverage policy in Vermont.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Vermont: Save on premiums
Vermont drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Vermont.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 2% | $24 |
| Daily commute | 11% | $152 |
| Days advanced purchase | 12% | $199 |
| Days per week driven | 13% | $189 |
| Education | 10% | $120 |
| Electronic funds transfer | 4% | $75 |
| Homeowner | 5% | $99 |
| Lower annual mileage | 4% | $59 |
| Loyalty – years renewal with company | 9% | $104 |
| Marital status | 9% | $121 |
| Multi policy | 11% | $150 |
| Paperless/electornic documents | 2% | $15 |
| Payment type | 8% | $128 |
| Primary use | 12% | $173 |
| Profession | 10% | $120 |
| Safety devices | 3% | $53 |
| Telematics | 10% | $95 |
| Years insured | 11% | $195 |
| Years licensed | 22% | $525 |
Final thoughts on cheap car insurance in Vermont
Our research shows that Progressive has the cheapest full coverage car insurance rates in Vermont for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Vermont, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Vermont for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/10.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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