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.
- 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.
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.
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Who pays a lower insurance premium in Vermont?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 9% less than single drivers.
- Vermont drivers with clean records pay 39% less than drivers who have a DUI on their records.
- 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
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property 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 liability-only coverage in Vermont
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
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 car insurance in Vermont
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Vermont based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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
Cheapest car insurance in Vermont by driving history
In Vermont, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
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 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 premiums in Vermont after a DUI conviction
Vermont drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $849 a year, followed by Auto-Owners with an annual premium of $1,533 annually, based on recent data.
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 companies in Vermont after an at-fault accident
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 .
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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Vermont cities with the lowest auto insurance rates
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Vermont is Essex Junction, at $1,240 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
The table below shows a list of cities in Vermont with the most affordable 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 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Vermont
By comparing car insurance quotes, you can save an average of 30% per year for a full coverage policy in Vermont.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Vermont: Save on premiums
Car insurance discounts in Vermont can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Vermont.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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
Based on our findings, Progressive provides the cheapest rates for a full coverage policy in Vermont if you have a good driving record.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Vermont is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Vermont