How to find the cheapest car insurance quotes in Vermont

The truth is that there is no single auto insurance company that can offer the lowest rates for every single driver. Every driver is unique, so their insurance premium will be unique, too.

If you want to find the lowest rates, the key is to gather quotes from multiple insurers. This allows you to find the best car insurance for your coverage needs.

In Vermont, drivers are using Jerry Insurance Agency to compare quotes and sign up for affordable car insurance. Check out these prices from real Vermont drivers.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage
Safeco	$111	Bernard, 33, Brighton, VT	Toyota Avalon Base	100/300	Yes
Safeco	$229	Frederick, 30, Manchester Center, VT	Tesla Model 3	50/100	Yes
Progressive	$31	Beulah, 39, Essex Junction, VT	Toyota Rav4 Le	State Minimum	No
Progressive	$71	Lilly, 62, Arlington, VT	Ford Explorer Eddie Bauer	State Minimum	No
Progressive	$88	Vera, 43, West Rutland, VT	Chevrolet Impala Lt	State Minimum	No

Last Updated Dec 24, 2024

Cheapest car insurance companies in Vermont

Looking for car insurance deals in Vermont? Jerry has gone the extra mile and conducted an extensive survey on insurance shopping, including rates, providers, and factors that affect your premium.

Our survey proves that there is no single car insurance company that can be universally considered the absolute cheapest option for every driver in Vermont.

State Farm, USAA, and GEICO tend to offer the most affordable rates to the Vermont drivers who qualify, but it’s not a guarantee that you’ll get this low rate. Other auto insurance companies in Vermont include Progressive, Allstate, Concord, and Nationwide—but their typical rates all exceed the state average.

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
Progressive	October 31, 2024	5	“Great rates and saved money in the past with them and very friendly.” -Ronald
Bristol West	October 30, 2024	5	“I’ve had Geico auto insurance over 30 years, and I have found they are the easiest to deal with. Online or mobile app…(read more)” -Shawn
Aspire Advantage	October 28, 2024	5	“Great company “ -David
Dairyland	October 25, 2024	5	“Wonderful” -Myra
Progressive	October 18, 2024	5	“Service is great. Renewals are prompt with Jerry. No issues” -Lily

Minimum liability and full coverage insurance requirements in Vermont

Under Vermont state law, all drivers are compelled to carry a minimum level of liability coverage as well as uninsured motorist coverage. Full coverage (comprehensive and collision coverage) is optional, but keep in mind that liability-only policies will only protect other people and their property.

Cheapest minimum liability coverage car insurance quotes in Vermont

If you’re a Vermont driver, you’re subject to the 25/50/10 state minimum liability requirements for car insurance:

• $25,000 per person of bodily injury liability coverage
• $50,000 per accident of bodily injury
• $10,000 per accident of property damage liability

In addition, Vermont drivers must purchase uninsured motorist (UM) coverage in a 50/100/10 configuration:

• $50,000 per person of uninsured motorist bodily injury
• $100,000 per accident of uninsured motorist bodily injury
• $10,000 per accident of uninsured motorist property damage

No driver is exempt from this requirement, according to the Vermont code regarding auto insurance requirements.

Take a look at how Jerry has helped Vermont drivers find affordable minimum liability coverage.

Do you need more than minimum coverage in Vermont?

While you will be legally compliant if you have 25/50/10 liability coverage and 50/100/10 UM coverage, the reality is that this level of coverage may not give you enough protection in a car accident.

If you are sued after an at-fault accident to pay for someone else’s medical expenses and car repairs, the costs could easily exceed these coverage limits. The average cost of a new car alone is just under $50,000, and hospital bills can pile up with prolonged stays.

Our advice is to get as much liability coverage as you can afford. The difference in your monthly coverage rates will be minor, but you and your family will be far more protected.

The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase full coverage.

Cheapest full coverage car insurance quotes in Vermont

Full coverage is the only way to protect yourself and your vehicle, since liability only protects others. If you can afford it, look into full coverage for ultimate peace of mind—from deer collisions to fender benders.

A full coverage policy includes comprehensive and collision coverage.

Collision coverage: As the name indicated, this portion pays for damages from collision-related accidents. This could be a simple scratch or major body work.

Comprehensive coverage: This portion covers any non-collision damage, such as hail dents, hitting a deer, vandalism, and car theft.

Be aware that financed vehicles are typically required to carry full coverage. That’s because lenders want to protect their investment. If you have a financed vehicle, check with your lender before you purchase a policy.

Vermont drivers are purchasing full coverage policies with Jerry’s help. Here’s a look at their costs, locations, and models.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car
100/300	Yes	Safeco	$111	Bernard, 33, Brighton, VT	Toyota Avalon Base
50/100	Yes	Safeco	$229	Frederick, 30, Manchester Center, VT	Tesla Model 3
State Minimum	No	Progressive	$31	Beulah, 39, Essex Junction, VT	Toyota Rav4 Le
State Minimum	No	Progressive	$71	Lilly, 62, Arlington, VT	Ford Explorer Eddie Bauer
State Minimum	No	Progressive	$88	Vera, 43, West Rutland, VT	Chevrolet Impala Lt

Last Updated Dec 24, 2024

Average rates for minimum liability coverage and full coverage car insurance in Vermont

Studies show that the average cost of minimum liability insurance in Vermont is about $77 per month, or $928 per year. That’s a lot lower than the national average. For full cost coverage, drivers pay closer to $145 per month, or $1,743 per year.

Keep in mind that average insurance rates can only give you a general idea of your potential insurance expenses. Your individual circumstances all contribute to your unique driver profile:

• The type of vehicle you drive
• Your driving record
• Your claims history
• Demographic factors

Your premium will be tailored to you and may differ from the average rates.

Vermont drivers can expect to spend approximately $77 per month for minimum liability coverage or $145 per month for full coverage. Your premium could be a lot higher, depending on your driving history.

Vermont car insurance: Additional coverages

Need more protection? Vermont drivers can purchase a variety of other coverages in case of emergency:

• Towing and labor coverage
• Rental reimbursement coverage
• New car replacement insurance
• Personal injury protection
• Medical payments (MedPay)

Do you have a financed vehicle? Gap insurance can help protect you in the event of a total loss. You’re still on the hook for paying back the loan after a total loss. While you will get a payout for the actual cash value, the amount you owe might be more than this payout. Gap insurance covers the gap.

Do you not own your own car? Non-owner car insurance in Vermont will follow the driver, instead of the vehicle. You get liability protection no matter which car you’re borrowing or renting. Just keep in mind that non-owner coverage does not give you any coverage for the car or yourself.

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Learn more: Types of insurance

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Car insurance premium by rating factors

You may know that your driving history affects your premium, but did you know that credit score and zip code matter, too? Each company has its own method for calculating rates, but all companies are likely to factor in these elements:

• Your driving record and claims history: Even a single speeding ticket could trigger high rates for a few years.
• Your credit score: People with good credit (aka higher scores) tend to get lower insurance rates.
• Zip code: Zip code represents risk. Some areas are statistically more likely to experience bad weather, traffic accidents, or auto theft. Think about the risks in downtown Burlington versus the outskirts of Montpelier.
• Your make and model: If you drive a luxury model or a sports car, you can expect to pay more for insurance. Repair costs are higher for these models.
• Usage: If you commute long distances daily, expect to pay more for insurance.

Cheapest Vermont car Insurance after a driving violation

Because car insurance is about mitigating risk, your history of driving violations is a key determinant in how much you pay for coverage. More violations means more risk to the company. High-risk drivers can expect to pay higher than average rates for insurance in Vermont.

Cheapest car insurance for Vermont drivers with a speeding ticket

Speeding is against the law in Vermont, but speeders receive higher penalties for higher speeds: 1-9 MPH, 10-19 MPH, 20-29 MPH, and 30+ MPH over the speed limit. Depending on how fast you’re going, you could be charged with reckless driving in Vermont, which carries fines and point penalties. A speeding ticket has a negative impact on your car insurance rates, until the ticket falls off your record.

Here’s how Jerry has helped Vermont drivers with speeding tickets. Check out how much they paid for car insurance and what kind of speeding ticket they received.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Speeding Violation-Minor	Safeco	$111	Bernard, 33, Brighton, VT	100/300	Yes
Speeding Violation-Minor	Dairyland	$497	Bill, 26, Walden, VT	50/100	Yes
Speeding Violation-Minor	Progressive	$163	Lenora, 25, Rutland, VT	100/300	Yes
Speeding Violation-Minor	Progressive	$143	Albert, 29, Swanton, VT	State Minimum	Yes
Speeding Violation-Minor	Progressive	$162	Tom, 25, Springfield, VT	100/300	Yes

Last Updated Dec 24, 2024

Cheapest auto insurance in Vermont after a DUI

If you have been convicted of a DUI in Vermont, you can expect very high premiums for car insurance. You could even be denied coverage by some auto companies.

If you’re looking for coverage after a DUI, take a look at how Jerry has helped Vermont drivers find affordable rates after a DUI.

Vermont SR-22 insurance

After a serious traffic violation, the state can compel a risky driver to prove financial responsibility before getting on the road again.

Filing an SR-22 in Vermont comes with a small fee. It’s a non-negotiable step in the process of regaining your driving privileges after a serious violation. The company must file this form for you—you cannot file it for yourself. Along with the fee for the form, you can expect your insurance rates to be extremely high.

Here are a few reasons that you could be required to file an SR-22 in Vermont:

• You caused a serious at-fault accident.
• You were convicted of a DUI or DWI.
• You were caught driving without insurance.
• You drove on a suspended license.

Cheapest Utah auto Insurance after an at-fault accident

An at-fault accident will negatively impact your rates, but you should still shop around to compare quotes.

Take a look at the rates for real Vermont drivers with at-fault accidents on record.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
At Fault With No Injury	Safeco	$111	Bernard, 33, Brighton, VT	100/300	Yes
At Fault With No Injury	Progressive	$31	Beulah, 39, Essex Junction, VT	State Minimum	No
Not At Fault	Progressive	$71	Susie, 64, Brownington, VT	State Minimum	Yes
Not At Fault	Progressive	$239	Mark, 26, Saint Johnsbury, VT	100/300	Yes
At Fault With No Injury	Progressive	$135	Alta, 57, South Royalton, VT	100/300	Yes

Last Updated Dec 24, 2024

Cheapest auto insurance after other violations in Vermont

Even minor violations, such as turning illegally at an intersection, could have an impact on your car insurance rates, according to the Vermont laws.

Here’s a summary of common traffic violations in Vermont, and how they affect car insurance rates for Jerry drivers.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Failure to Obey Signal	Progressive	$252	Bernard, 28, Winooski, VT	100/300	Yes
Careless Driving	Progressive	$95	Mathilda, 42, Cambridge, VT	100/300	Yes
Ticket Violation Not Listed	Dairyland	$90	Antonio, 23, Swanton, VT	State Minimum	No
Failure to Yield	Progressive	$229	Herman, 24, Salisbury, VT	State Minimum	Yes
Driving on Sus. License	Progressive	$132	Terry, 35, Woodstock, VT	100/300	No

Last Updated Dec 24, 2024

How to find cheap Vermont car insurance after a car insurance lapse

Whether it’s a day or a year, a lapse in coverage is a sign of risky behavior to insurance companies. If you’ve had a lapse, you can expect to pay higher than average costs until you can build up a history of continuous insurance again.

Jerry has figured out a way to help people avoid lapses. We send helpful reminders to eligible customers, so you can avoid late payments and canceled policies.

Do you have a lapse on record? Here’s how you could find savings on a car insurance policy in Vermont with help from Jerry.

Cheapest Vermont car insurance for drivers with poor credit

Drivers with bad credit tend to file more claims, according to insurance studies. That’s why poor credit will trigger a higher car insurance premium. If your score is under 600, expect to pay much higher rates.

The bright side is that your premiums will go down as your credit score grows. Take a look.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Liability Limits	Has Full Coverage
750+	Safeco	$111	Bernard, 33, Brighton, VT	Toyota Avalon Base	100/300	Yes
750+	Safeco	$229	Frederick, 30, Manchester Center, VT	Tesla Model 3	50/100	Yes
660-750	Progressive	$31	Beulah, 39, Essex Junction, VT	Toyota Rav4 Le	State Minimum	No
550-659	Progressive	$71	Lilly, 62, Arlington, VT	Ford Explorer Eddie Bauer	State Minimum	No
<550	Progressive	$88	Vera, 43, West Rutland, VT	Chevrolet Impala Lt	State Minimum	No

Last Updated Dec 24, 2024

How to find cheap auto insurance in Vermont for your age

Age is highly correlated with risk when it comes to driving. Very young and very old drivers face higher premiums because of the additional risks due to lack of experience and deteriorating mental and physical abilities.

Specifically, drivers under 25 and over 75 pay more for coverage in Vermont.

Cheapest Vermont car insurance for young drivers

Among young people, teen drivers under the age of 19 pay the higher rates for car insurance in Vermont. Young people have not spend as much time on the road, so they’re at a higher risk for getting into an accident. If you have a young driver in the house and they’re driving a newer vehicle, we recommend considering full coverage car insurance.

Take a look at these options for young drivers in Vermont.

Cheapest Vermont car insurance for senior drivers

As we age, our eyesight and mental quickness can decline. Plus, our bodies become much more vulnerable to injuries. These are serious concerns for car insurance companies, which is why senior drivers in Vermont tend to pay more for car insurance.

Cheapest car insurance for popular cars

Your make and model play a key role in determining how much you pay for insurance. A special edition Range Rover naturally costs more to repair than a standard Ford F-150, right?

These are some of the most popular cars in Vermont:

• Ford F-150
• Toyota RAV4
• Dodge RAM 1500
• Chevy Silverado
• GMC Sierra

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
Toyota Rav4 Le	Progressive	$31	Beulah, 39, Essex Junction, VT	State Minimum	No
Toyota Rav4 Le	Progressive	$74	Warren, 31, South Burlington, VT	100/300	Yes
Toyota Rav4 Le	Dairyland	$461	Marion, 23, Burlington, VT	State Minimum	Yes
Ford F-150 Supercrew	Progressive	$215	Rachel, 25, Highgate Center, VT	100/300	Yes
Toyota Rav4 Le	Progressive	$100	Sam, 27, Randolph, VT	100/300	Yes

Last Updated Dec 24, 2024

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Learn more: How to get car insurance before buying a car

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Car insurance cost for new vs. old car

It’s typical to pay more to insure a newer car. New models tend to cost more to repair and replace. There can be a difference in price of hundreds of dollars between insuring a car older than 10 years and newer than five years old.

Vermont cheapest car insurance by location

Zip code is one of the most important factors in calculating your car insurance rate. Your neighborhood has unique crime statistics, traffic accident rates, weather patterns, and even theft rates. Insurers take this information into account when determining your premium.

Here’s how Jerry Insurance Agency helps people find low rates all across Vermont.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage
Brighton, VT	Bernard	Safeco	$111	Toyota Avalon Base	100/300	Yes
Manchester Center, VT	Frederick	Safeco	$229	Tesla Model 3	50/100	Yes
Essex Junction, VT	Beulah	Progressive	$31	Toyota Rav4 Le	State Minimum	No
Arlington, VT	Lilly	Progressive	$71	Ford Explorer Eddie Bauer	State Minimum	No
West Rutland, VT	Vera	Progressive	$88	Chevrolet Impala Lt	State Minimum	No

Last Updated Dec 24, 2024

How to lower the cost of car insurance in Vermont

Ready to save money on car insurance? Ask about discounts or adjustments to your coverage. Try some of these tips to cut costs:

1. Always compare rates before renewing or buying a policy..
2. Ask about car insurance discounts, like the good driver or anti-theft device discount.
3. Increase your deductible, if you can afford it.
4. Enroll in a state-approved training course.
5. Ask about bundling home or renter’s coverage with your auto policy.
6. Remove collision and comprehensive coverage on low-value older cars.
7. Remove duplicate coverages, like towing and labor if that service is offered by one of your credit providers or your cell carrier.

Why does car insurance cost this much in Vermont

In general, Vermonters pay very low prices for car insurance. Here’s why:

• Low crime rates
• Low number of fatal crashes
• Low number of unlicensed drivers