Cheapest Insurance in Vermont 2021

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  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Due to its low population and mostly-rural geography, Vermont falls within the top 10 most affordable states for car insurance.
But that doesn’t mean drivers in the Green Mountain State should forget about comparison shopping.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Vermont. If you want to learn more about Vermont’s car insurance rates, then read on.
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Here’s how much real Jerry customers saved in Vermont when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
February 26, 2021Mitsubishi Outlander Sport ES
Hinesburg
25AllstateBasic$300/mo.$63/mo.
August 9, 2021Mitsubishi Outlander Sport ES
Hinesburg
25ProgressiveBasic$300/mo.$87/mo.
December 30, 2020Nissan Rogue Select S
Moretown
31TravelersCurrent$184/mo.$93/mo.
May 29, 2021Chevrolet Malibu 1Lt
Richford
28NationwideCustom$130/mo.$98/mo.
May 19, 2021Honda Odyssey EX
Pownal
32SafecoPredicted$200/mo.$153/mo.

Cheapest minimum coverage car insurance in Vermont with Jerry

In Vermont, people who purchase car insurance are required to get the following minimum coverages:
  • $[25,000] bodily injury liability per person
  • $[50,000] bodily injury liability per accident
  • $[10,000] property damage liability per accident
Vermont also requires uninsured motorist coverage at these minimum levels:
  • $50,000 for bodily injury for one person
  • $100,000 for bodily injury to multiple people in one accident
  • $10,000 for damage to property in one accident
Remember, the minimum insurance coverage is not a recommendation—it’s a requirement! It’s illegal to drive without the coverage described above.
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users in Vermont pay for minimum liability car insurance:
Before Jerry
After Jerry
$2,244$1,060
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Additional coverages you might want to consider when shopping for car insurance in Vermont

Risk factorCoverage to consider
Severe weatherComprehensive insurance covers damage to your vehicle that happens as a result of these types of severe weather events like winter storms.
Roadside assistance Vermont is home to plenty of rural roads, meaning you’re more likely to break down far away from home. Roadside assistance will cover your towing and other expenses associated with a breakdown.
Uninsured driversUninsured motorist protection helps cover any damages incurred as a result of an accident with a driver who doesn’t carry insurance.
Vermont presents unique risks to drivers due to its rural status and high proportion of uninsured drivers. Before purchasing car insurance, make sure to consider additional coverage (like Medpay) to protect you and your passengers from unexpected costs.

Best carriers for minimum coverage car insurance in Vermont

It’s illegal to have a car insurance policy in Vermont that does not meet the required minimums. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Vermont:
Insurance Company
Before Jerry
After Jerry
Allstate$3,600$784
Progressive$1,931$1,123

Cheapest full coverage car insurance in Vermont

Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing less in the long run).
Yes, you can expect to pay slightly more for full coverage insurance policies. However, the protection you get in return will be absolutely worth it.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$3,351$2,597
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Best carriers for full coverage car insurance in Vermont

Getting quotes from various insurance companies will help you ensure you have the most affordable rate for the coverage you need.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Vermont:
Insurance Company
Before Jerry
After Jerry
Safeco$1,860$1,380
Progressive$3,600$2,800
While minimum liability coverage and uninsured motorist coverage are enough to let you drive legally in Vermont, full coverage offers stronger protection and can provide peace of mind. Choose a company that offers the protection you need as well as service you can rely on.

Cost to insure your car in Vermont by age

Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver in Vermont, here’s what you need to know.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age—whether you live in rural Vermont or move to Burlington—start by quote shopping with Jerry.
Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
21-24$2,512$1,520
25-34$1,981$1,132
35-44$1,906$1,214
45-54$1,520$756
65+$1,344$1,044
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Cost of insurance for drivers in Vermont with a bad driving record

Driving Violation
Before Jerry
After Jerry
Clean Record$1,926$1,162
Speeding over 15$936$810
Careless Driving$1,176$1,092
Speeding under 15$2,386$1,869
Driving on Sus. License$3,600$2,800
Other$1,701$1,509

Best carriers for drivers with infractions in Vermont

Insurance Company
Before Jerry
After Jerry
Allstate$3,600$784
Travelers$1,704$1,133
Safeco$1,851$1,326
Nationwide$1,811$1,344
Progressive$2,440$1,641
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible for Vermont drivers to find affordable insurance if they have a traffic violation on their record.
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Cost of insurance for young drivers in Vermont with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Some offenses, like a DUI, stay on your record for many years—way past the time you’d be considered a ‘young driver’.
Fortunately, Jerry can help young Vermont drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,861$1,349
Speeding under 15$2,592$1,969
Driving on Sus. License$3,600$2,800

Best carriers for young drivers with infractions in Vermont

If you’re looking for the most affordable insurance for a young driver with a poor driving record in Vermont, check out these top carriers.
Insurance Company
Before Jerry
After Jerry
Safeco$1,860$1,380
Progressive$3,512$2,275
Young drivers are considered high risk by insurance companies. A moving violation increases this perception.
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Types of discounts that might be available to you in Vermont

Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Vermont. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
Some of the most common car insurance discounts in Vermont include:
Discount TypeWho is eligible?
Paperless discountBy switching to online-only statements and scheduling automatic payments, you could qualify for a sizable discount on your car insurance.
Green vehicle discount If you drive an electric or hybrid vehicle, you may be eligible for a discount on your annual premium. Ask your provider about this discount.
Good student discount Full-time students with good grades can usually qualify for a healthy discount on their car insurance premium. You may have to provide proof of enrollment and grade point average.
Vehicle safety discountIf your vehicle has high-rated safety features, you can get a discount on your premium. Certain makes and models are eligible for this discount, so be sure to check with your provider.
Telematics discountBy installing a small, free device to track driving behavior, Vermont drivers could be rewarded with a discount up to 30% for safe driving. Check with your insurance company for more information. There’s usually a discount just for enrolling.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Vermont?

The most popular car in Vermont is the Ford F-Series, followed by the Subaru Legacy. It makes sense that Vermont drivers would appreciate durable, modern vehicles that can handle a fishing trip to Lake Champlain with ease.
If you drive a relatively inexpensive car or truck, you can generally expect to pay lower insurance premiums. This is because it will cost less to repair or replace a common model than a rare and expensive vehicle.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts.
Here’s what Vermont drivers can expect to pay to insure some popular car makes/models with and without Jerry:
Make / model
Before Jerry
After Jerry
Alfa Romeo
Stelvio Sport
$1,320$984
Buick Lesabre Limited$1,200$468
Ford F150 Supercrew$1,200$636
Jeep Cherokee Limited$1,440$636
Jeep Grand Cherokee Summit$2,244$1,872
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Cheapest car insurance in Vermont by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Here are the top 10 cheapest cities for car insurance in Vermont:
City
Before Jerry
After Jerry
Burlington
$1,440$982
Swanton
$2,947$1,572
Bennington
$2,158$1,796
Brattleboro
$1,428$1,138
South Burlington
$1,320$904
Barre
$1,860$1,380
Hartford
$1,248$1,152

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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