- The average cost of car insurance in Vermont is $1,660 a year or $138 per month, based on our data analysis.
- Minimum liability coverage in Vermont costs around $365 annually for limits of 25/50/10, while liability-only coverage costs $404 per year for limits of 50/100/50.
- State Farm provides the most affordable annual rates for full coverage car insurance in Vermont, costing $1,513 per year.
- In Vermont, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 24%, a DUI raising rates by 102%, and an at-fault accident by up to 49%.
Car insurance costs in Vermont vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. State Farm offers the cheapest annual rates for full coverage car insurance in Vermont at $1,513 annually.
This comprehensive guide to buying car insurance for Vermont drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Vermont works and how much insurance you need.
How much is car insurance in Vermont?
CarInsurance.com data found that drivers in Vermont pay $138 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Vermont based on driver profile:
- Teen drivers in Vermont pay the most — about $379 a month or $4,544 a year.
- Young drivers in their 20s pay an average of $225 monthly or $2,700 annually, for car insurance.
- Senior drivers pay around $133 monthly or $1,602 a year.
- A speeding ticket can increase your rates to $172 monthly or $2,060 annually.
- An at-fault accident increases car insurance rates to $206 a month or $2,467 a year.
- Poor credit drivers usually see their car insurance costs increase to $279 monthly or $3,347 annually.
Average cost of auto insurance in Vermont by coverage level
Car insurance costs in Vermont can differ based on the coverage limit. To legally drive, Vermont residents must adhere to the minimum liability limits of 25/50/10.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Vermont car insurance costs for three different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $30 | $365 |
| Liability Only – 50/100/50 BI/PD | $34 | $404 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $138 | $1,660 |
State minimum car insurance in Vermont
Vermont’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $10,000 in property damage liability.
The state minimum car insurance cost in Vermont is $365 a year. However, this basic coverage only offers limited protection. Vermont drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Vermont must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Vermont
The average cost of liability-only insurance in Vermont is $404 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Vermont
On average, premiums for full coverage car insurance in Vermont cost $1,660 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Vermont
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Vermont have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Vermont
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Vermont by car model
Car insurers in Vermont use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Vermont.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Vermont
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Vermont drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,608 annually.
Car insurance for drivers aged 16-19 costs $2,936 more annually than Vermont drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,544 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,574 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,608 per year in Vermont.
- For senior drivers: Drivers age 65 and older can expect to pay $1,602 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Vermont
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Vermont can increase your premiums by up to 102% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Vermont, you’ll likely see an increase in your car insurance premium by up to 24% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Vermont after driving incidents:
- Speeding ticket: Up to 24% increase
- DUI conviction: 102% increase
- At-fault accident (bodily injury and property damage): 49% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Vermont for high-risk drivers
In Vermont, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Vermont
In Vermont, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Vermont by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Vermont, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| State Farm | $352 | $413 | $1,513 |
| Nationwide | $635 | $661 | $1,599 |
| GEICO | $363 | $423 | $1,616 |
| Co-operative Insurance Companies | $203 | $243 | $1,661 |
| Allstate | $234 | $251 | $1,667 |
| Auto-Owners | $341 | $378 | $1,801 |
| Vermont Mutual | $481 | $481 | $1,857 |
Car insurance rates by city in Vermont
Newport is the priciest city in Vermont for car insurance, costing an average of $1,691 annually. On the other hand, South Burlington is the most affordable city, where drivers pay an average of $1,544 per year for car insurance.
Car insurance premiums differ across cities in Vermont and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Vermont’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Vermont per month?
In Vermont, a full coverage car insurance policy with 100/300/100 limits typically costs about $138 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $30 |
| Liability Only – 50/100/50 BI/PD | $34 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $138 |
Final thoughts on choosing car insurance in Vermont
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2026.
- USAA. “How credit affects insurance premiums.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Vermont. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/10.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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