- State Farm has the cheapest car insurance rates in Vermont for full coverage at $126 a month among the companies analyzed by the team of CarInsurance.com.
- The city of South Burlington has the lowest auto insurance rates in Vermont, with an average premium of $1,544 per year.
- You can save up to 9% per year on your car insurance policy in Vermont by comparing price quotes from multiple insurers.
The cheapest car insurance in Vermont costs $126 per month for a full coverage policy from State Farm. That’s a $12 savings from the average cost of insurance in the state, which is $138 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, State Farm provides the cheapest full coverage auto insurance rates for Vermont drivers at a monthly rate of $126 or $1,513 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 |
|---|---|
| State Farm | $126 |
| Nationwide | $133 |
| GEICO | $135 |
| Co-operative Insurance Companies | $138 |
| Allstate | $139 |
| Auto-Owners | $150 |
| Vermont Mutual | $155 |
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 11% less than single drivers.
- Vermont drivers in their 20s pay 47% lower rates for insurance than a 16-year-old in Vermont.
- Adding a teen to your policy will cost you 33% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 28% 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 14% for this state more on their premiums.
Cheapest insurers 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:
- Co-operative Insurance Companies is the cheapest for a state minimum policy.
- Allstate has the cheapest rates for a liability-only policy (50/100/50).
- State Farm 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
The following table lists Vermont’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| Co-operative Insurance Companies | $228 |
| Allstate | $238 |
| Auto-Owners | $366 |
| GEICO | $381 |
| State Farm | $398 |
| Vermont Mutual | $521 |
| Nationwide | $671 |
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.
Below, you’ll see average annual rates for major insurance providers in Vermont, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 | $255 |
| Co-operative Insurance Companies | $273 |
| Auto-Owners | $405 |
| GEICO | $445 |
| State Farm | $467 |
| Vermont Mutual | $529 |
| Nationwide | $699 |
Cheapest full coverage car insurance in Vermont
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from 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 following table lists the average annual rates of major insurance companies in Vermont from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| State Farm | $1,513 |
| Nationwide | $1,599 |
| GEICO | $1,616 |
| Co-operative Insurance Companies | $1,661 |
| Allstate | $1,667 |
| Auto-Owners | $1,801 |
| Vermont Mutual | $1,857 |
Learn more about who has the cheapest full coverage auto insurance
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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 $758 more annually than drivers with clean records.
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 $1,604 , 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 | $1,513 | $1,604 | 6% | $91 |
| GEICO | $1,616 | $1,788 | 11% | $172 |
| Allstate | $1,667 | $1,918 | 15% | $251 |
| Auto-Owners | $1,801 | $2,066 | 15% | $265 |
| Co-operative Insurance Companies | $1,661 | $2,082 | 25% | $421 |
| Vermont Mutual | $1,857 | $2,464 | 33% | $607 |
| Nationwide | $1,599 | $2,508 | 57% | $909 |
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 $1,604 . Allstate is the second-cheapest insurer at an average of $2,261 per year.
A DUI can significantly impact your car insurance costs.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,513 | $1,604 | 6% | $91 |
| Allstate | $1,667 | $2,261 | 36% | $594 |
| Co-operative Insurance Companies | $1,661 | $2,311 | 39% | $650 |
| Auto-Owners | $1,801 | $3,033 | 68% | $1,232 |
| Nationwide | $1,599 | $3,816 | 139% | $2,217 |
| GEICO | $1,616 | $4,429 | 174% | $2,813 |
| Vermont Mutual | $1,857 | $6,814 | 267% | $4,957 |
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 $1,732 .
Co-operative Insurance Companies is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,088 .
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 | $1,513 | $1,732 | 14% | $219 |
| Co-operative Insurance Companies | $1,661 | $2,088 | 26% | $427 |
| Vermont Mutual | $1,857 | $2,464 | 33% | $607 |
| Allstate | $1,667 | $2,626 | 58% | $959 |
| GEICO | $1,616 | $2,661 | 65% | $1,045 |
| Auto-Owners | $1,801 | $2,718 | 51% | $917 |
| Nationwide | $1,599 | $2,830 | 77% | $1,231 |
Check out the most affordable insurance options in your neighboring state
Which cities in Vermont have 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 South Burlington, at $1,544 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.
Below is a list of cities in Vermont with the lowest auto insurance rates.
| City | Full coverage annual rates |
|---|---|
| South Burlington | $1,544 |
| Barre | $1,553 |
| Montpelier | $1,556 |
| Burlington | $1,559 |
| Winooski | $1,562 |
| Essex Junction | $1,568 |
| Rutland | $1,612 |
| St. Albans | $1,633 |
| Bellows Falls | $1,653 |
| Newport | $1,691 |
A detailed guide on the 10 most important 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 9% 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 |
|---|---|---|
| Air Bags | 3% | $52 |
| Anti-Theft Device | 2% | $30 |
| Comp and Coll Deductibles | 20% | $337 |
| Daily Commute | 14% | $231 |
| Days Advanced Purchase | 11% | $185 |
| Days Per Week Driven | 15% | $242 |
| Education | 10% | $160 |
| Electronic Funds Transfer | 4% | $66 |
| Homeowner | 6% | $103 |
| Lower Annual Mileage | 8% | $127 |
| Loyalty – Years Renewal With Company | 7% | $118 |
| Marital Status | 11% | $178 |
| Multi Policy | 11% | $182 |
| Paperless/Electornic Documents | 1% | $24 |
| Payment Type | 8% | $127 |
| Primary Use | 12% | $203 |
| Profession | 10% | $160 |
| Purhase Status | 18% | $305 |
| Safety Devices | 3% | $54 |
| Student Away At School | 23% | $381 |
| Telematics | 8% | $139 |
| Years Insured | 12% | $201 |
| Years Licensed | 25% | $407 |
The bottom line on cheap car insurance in Vermont
Based on our research, if you are a good driver, State Farm is the cheapest in Vermont for a full coverage policy.
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 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.
*USAA is only available to military community members and their families.
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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