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.
- According to recent data, Progressive offers the cheapest full coverage car insurance in Vermont at $77 per month.
- Vermont drivers with a clean driving record pay 39% less for car insurance than drivers with a DUI.
- In Vermont, the city of Essex Junction has the most affordable car insurance rates at $1,240 annually.
- Comparing price quotes from multiple insurers can help you save up to 30% per year on your car insurance policy in Vermont.
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 includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Vermont by different insurance carriers for a full coverage policy.
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 the lowest auto insurance premiums in Vermont?
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 companies for different coverage levels in Vermont
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
In Vermont, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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.
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 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.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
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
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.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Vermont, drivers with a history of such violations typically pay $412 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in Vermont
If you have a speeding ticket on your Vermont driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $849 per 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
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 rates 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 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased 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.
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 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.
Below is a list of cities in Vermont with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save 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
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 |
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.
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
Executive 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