In Vermont, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Vermont by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Vermont
In Vermont, Chevrolet Trax and Chevrolet Express have the cheapest car insurance rates, followed by Chrysler Voyager and Honda CR-V, based on our research.
The table below highlights the most affordable vehicles to insure in Vermont, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Chevrolet Trax | $660 |
| Chevrolet Express | $673 |
| Chrysler Voyager | $677 |
| Honda CR-V | $687 |
| GMC Savana | $688 |
| Jeep Wrangler | $690 |
| Chevrolet TrailBlazer | $690 |
| Honda HR-V | $692 |
| Volkswagen Taos | $693 |
| Ford Maverick | $695 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Vermont
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Vermont
Based on our data analysis, the Nissan Versa is the cheapest sedan to insure, with an average cost of $785 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Honda Civic Sedan, which costs $792, and the Subaru Legacy, which costs $793 to insure.
Below, you’ll find the most affordable sedans to insure in Vermont and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Nissan Versa | $785 |
| Honda Civic Sedan | $792 |
| Subaru Legacy | $793 |
| Kia Forte | $805 |
| Nissan Sentra | $819 |
| Honda Accord | $822 |
| Hyundai Elantra | $843 |
| Chevrolet Malibu | $844 |
| Volkswagen Jetta | $848 |
| Mazda 3 Sedan | $859 |
| Toyota Camry | $867 |
| Mitsubishi Mirage G4 | $896 |
| Nissan Altima | $898 |
| Kia K5 | $909 |
| Toyota Corolla | $918 |
| Volkswagen Jetta GLI | $940 |
| Hyundai Sonata | $942 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Vermont
The Chevrolet Trax and Honda CR-V have the lowest car insurance rates, at $660 and $687, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Chevrolet Trax | $660 |
| Honda CR-V | $687 |
| Jeep Wrangler | $690 |
| Chevrolet TrailBlazer | $690 |
| Honda HR-V | $692 |
| Volkswagen Taos | $693 |
| Volkswagen Tiguan | $697 |
| Kia Seltos | $704 |
| Toyota Corolla Cross | $712 |
| Hyundai Kona | $717 |
| Kia Sportage | $717 |
| Subaru Forester | $718 |
| Chevrolet Traverse Limited | $723 |
| Mazda CX-5 | $726 |
| Mazda CX-30 | $730 |
| Hyundai Tucson | $734 |
| Subaru Crosstrek | $742 |
| Ford Escape | $750 |
| Chevrolet Equinox | $751 |
| Mazda CX-50 | $751 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Vermont
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $770.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $770 |
| Chevrolet Camaro | $967 |
| Ford Mustang | $1,054 |
| Toyota GR Supra | $1,160 |
| Subaru WRX | $1,185 |
| Toyota GR86 | $1,187 |
| Porsche 718 Cayman | $1,204 |
| Honda Civic Si | $1,208 |
| BMW Z4 | $1,215 |
| Nissan Z | $1,232 |
| Porsche 718 Boxster | $1,237 |
| Subaru BRZ | $1,254 |
| Toyota GR Corolla | $1,257 |
| Honda Civic Type R | $1,338 |
| Chevrolet Corvette | $1,362 |
| Chevrolet Camaro ZL1 | $1,631 |
| Jaguar F-Type | $1,909 |
| Chevrolet Corvette Z06 | $2,044 |
| Porsche 911 | $2,157 |
| Porsche 911 GT3 | $2,217 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Vermont
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $869, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Land Rover Discovery Sport at $870 and the Volvo XC40 at $872.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $869 |
| Land Rover Discovery Sport | $870 |
| Volvo XC40 | $872 |
| Acura Integra | $896 |
| Mercedes-Benz GLA-Class | $897 |
| Acura MDX | $912 |
| Lincoln Corsair | $923 |
| Land Rover Range Rover Evoque | $934 |
| BMW X1 | $942 |
| Lincoln Aviator | $946 |
| Cadillac XT4 | $950 |
| Mercedes-Benz GLB-Class | $959 |
| Lexus NX | $966 |
| Audi Q3 | $969 |
| Cadillac XT5 | $971 |
| Lexus RX | $972 |
| BMW X3 | $978 |
| Volvo XC60 | $988 |
| BMW X2 | $991 |
| Cadillac XT6 | $995 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Vermont
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,283 annually, which breaks down to $190 monthly.
The table below highlights the most affordable EVs to insure in Vermont, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Kia Niro EV | $715 |
| Mini Cooper Electric | $755 |
| Hyundai Kona Electric | $778 |
| Volkswagen ID.4 | $797 |
| Nissan Leaf | $815 |
| Chevrolet Silverado EV | $820 |
| Ford F-150 Lightning | $857 |
| Hyundai Ioniq 5 | $866 |
| Kia EV6 | $898 |
| Toyota bZ4X | $911 |
| Hyundai Ioniq 6 | $958 |
| Ford Mustang Mach-E | $959 |
| Subaru Solterra | $962 |
| Volvo XC40 Recharge | $987 |
| Cadillac LYRIQ | $1,005 |
| Mercedes-Benz EQB | $1,007 |
| Chevrolet Blazer EV | $1,053 |
| Toyota Mirai | $1,098 |
| Audi Q4 e-tron | $1,128 |
| Audi Q8 e-tron | $1,130 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Vermont
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Chevrolet Express costs an average of $2,517 to insure for an 18-year-old driver, whereas a Jeep Wrangler costs an average of $2,519 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Vermont?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Kia Niro EV costs $715, whereas the cost of insuring a Mini Cooper Electric is $755 for the same coverage.
Which SUVs are the cheapest to insure in Vermont?
With an average six-month full coverage premium of $660, the Chevrolet Trax is one of the least expensive SUVs to insure in Vermont. Honda CR-V and Chevrolet TrailBlazer also offer affordable premiums to Vermont drivers.
What are the cheapest cars to insure for teen drivers in Vermont?
The Chevrolet Express, Jeep Wrangler, GMC Savana and Chevrolet Trax are among the most affordable cars to insure for 18-year-old drivers in Vermont. On the other hand, vehicles like the Maserati Quattroporte, Porsche 911 Turbo and BMW XM come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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