- 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.
You can find the cheapest full-coverage car insurance in Vermont for $77 a month from Progressive. It saves you $33 compared to the state average car insurance cost of $110 monthly.
Shopping for car insurance in Vermont can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
Car insurance companies with cheap car insurance in Vermont
Progressive has the cheapest full coverage car insurance in Vermont, at an average premium of $77 per month or around $926 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Vermont. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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 companies for state minimum coverage in Vermont
Vermont requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 are the average annual rates from major insurance companies in Vermont, ranked from cheapest to the most expensive for the 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 insurance providers for liability-only coverage in Vermont
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Vermont, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates 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 car insurance in Vermont, by driving history
Your driving history affects how much you pay for insurance in Vermont because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $412 more annually in Vermont than an individual with a clean driving record.
Cheap car insurance rates in Vermont after a speeding ticket
A speeding ticket can impact your Vermont car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $849 a year.
| 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.
Cheapest car insurance in Vermont after a DUI conviction
State Farm offers the cheapest car insurance to Vermont drivers with a DUI conviction at $849 per year and Auto-Owners has the second-cheapest insurance premiums at $1,533 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 39% less than those with a history of DUI.
| 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 companies in Vermont after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $915 a year.
On the other hand, American Family offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,205.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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
In Vermont, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Vermont below.
| 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 |
The bottom line on cheap auto insurance in Vermont
Based on our findings, Progressive provides the cheapest rates for a full coverage policy in Vermont if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Vermont, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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