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The average cost of basic liability car insurance in Vermont is $1,749 per year. Opting for full-coverage car insurance in Vermont will leave you with an average cost of $2,385 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
The average cost of basic liability car insurance in Vermont is $1,749 per year. Opting for full-coverage car insurance in Vermont will leave you with an average cost of $2,385 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare best car insurance quotes in Vermont
Whether you’re looking for the cheapest car insurance in Vermont or just trying to optimize your coverage for those Green Mountain winters, you’ll have to compare quotes.
You see, every auto insurance company uses a different methodology to set your rate. For some companies, your ZIP code and age matter the most; for others, it’s your driving history, your credit score, or even your marital status. Tons of factors make insurance quotes super-individualized.
Here are some real quotes found by Jerry users in Vermont!
| Quote Date | Car | Before Jerry | After Jerry | City | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|
| March 7, 2023 | Ford C-Max Premium SEL | $145/mo. | $119/mo. | Grand Isle | Lois T. | 40 | Progressive |
| February 4, 2023 | Volkswagen Tiguan SE | $327/mo. | $314/mo. | Milton | Scott R. | 21 | Progressive |
| February 3, 2023 | Subaru Xv Crosstrek 2.0 Limited | $260/mo. | $115/mo. | Winooski | Jesse N. | 22 | Progressive |
| February 1, 2023 | Chevrolet Silverado K1500 LT | $178/mo. | $94/mo. | Swanton | Philip W. | 32 | Progressive |
Best car insurance companies in Vermont
Because car insurance premiums are so personal, it’s hard to name a single insurance company with the best rates for all Vermont drivers.
GEICO, Progressive, and State Farm are among the best insurance providers in Vermont—no surprises there. Military families can also find great rates from USAA, and families with teen drivers are likely to find the cheapest coverage with Nationwide or Allstate.
But these are just predictions based on average car insurance rates for each company. The only way to know for sure which company is best for you is to compare quotes.
Compare the average cost of policies from some of Vermont’s top insurance companies below—and see how much customers saved with Jerry!
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| National General | $2,400 | $1,587 | |
| Progressive | $2,541 | $872 | |
| Nationwide | $1,985 | $809 | |
| Safeco | $2,075 | $766 | |
| Travelers | $2,014 | $639 | |
| Allstate | $1,812 | $371 | |
| Compare Prices | |||
Vermont car insurance FAQs
What is the minimum insurance you must carry in Vermont?
You must carry a minimum amount of liability insurance and uninsured motorist (UM) coverage under Vermont's car insurance laws. The minimum limits for liability insurance follow a 25/50/10 rule: $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $10,000 of property liability per accident. The minimum limits for UM coverage, on the other hand, follow a 50/100/10 rule: $50,000 of bodily injury per person, $100,000 of bodily injury per accident, and $10,000 of property damage per accident.
What is considered full coverage insurance in Vermont?
A car insurance policy that includes liability insurance, collision insurance, and comprehensive insurance is considered full coverage in Vermont.
Do you pay car taxes in Vermont?
Yes, you must pay car sales tax in Vermont when you buy or lease a car for the first time. If you purchase a vehicle, you must pay 6% of its value; if you rent short-term, you must pay 9%. There’s no yearly tax on cars in Vermont, but you’ll have to pay tax on your vehicle registration, which expires every one to two years.
Do you have to register your car every year in Vermont?
Yes and no. When you register your car, you can choose for your registration to expire in either 12 or 24 months. In either case, you’ll receive a renewal notice by mail when it’s time to renew your registration.
How much does car insurance cost in Vermont?
Average car insurance rates in Vermont are seriously affordable—we’re talking around 25% less than the national average. But not everyone in the Green Mountain State gets the cheapest rates.
So what makes car insurance expensive? Two equal and opposite forces can drive up rates for Vermont drivers: urban density and dangerous rural highways.
If you live in one of Vermont’s bigger cities—like Burlington, Montpelier, or Rutland—you may see a higher rate because the denser population leads to a higher number of accidents and claims. On the other hand, rural drivers may find themselves paying high premiums because rural highways see more fatal accidents, especially during the treacherous winter months.
Of course, there are other reasons why individuals can pay higher rates in Vermont—anything from poor credit history to high coverage levels.
Below, you can see how much Vermont drivers tend to pay for car insurance compared to neighboring states.
Vermont car insurance requirements
Vermont state law requires all drivers to carry certain amounts of liability insurance and uninsured motorist coverage. The exact types and minimum coverage limits are as follows:
- $25,000 per person / $50,000 per accident of bodily injury liability coverage
- $10,000 of property damage liability coverage
- $50,000 per person / $100,000 per accident of uninsured motorist bodily injury coverage
- $10,000 of uninsured motorist property damage coverage
How much insurance do I need in Vermont?
Drivers in Vermont need a minimum of $25,000 of bodily injury coverage, $50,000 of bodily injury liability per accident, and $10,000 of coverage for property. You are also required to have at least $8,000 in personal injury protection.
What do you need if you’re pulled over?
If you are pulled over in Vermont, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV, so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Vermont a no-fault state?
No, Vermont is not a no-fault state—Vermont is an at-fault state. This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
For "full coverage" insurance, you'll need to add collision coverage and comprehensive coverage to your policy. These two coverage types are highly recommended and can help you pay for damages caused by a collision or an "act of God," respectively.
Take a look at the graph below to compare the cost of basic liability with what you’d pay to add collision and comprehensive to your policy.
Cheap car insurance with a DUI or speeding ticket in Vermont
How you drive affects what you pay for insurance. Vermont drivers with any type of violation on their records will pay more, on average, than drivers with a clean driving record—and serious violations like a DUI or a reckless driving charge can really cost you.
Here's what Jerry users with less-than-perfect driving records saved on car insurance.
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $1,998 | $762 |
| Driving on Sus. License | $2,393 | $655 |
| Improper Passing | $1,673 | $532 |
| Speeding under 15 | $1,952 | $505 |
| Suspension | $2,040 | $441 |
| Speeding over 15 | $1,115 | $241 |
| DUI | $4,131 | $172 |
| Other | $867 | $219 |
Insurance Cost With a DUI in Vermont
If you get a DUI in Vermont, you can expect your car insurance to increase by an average of $136 monthly.
Read Vermont DUI Information:
Insurance Cost With a Reckless Driving Citation in Vermont
If you receive a reckless driving citation, you can expect your insurance to rise to an average of $54.58 per month.
Read Vermont Reckless Driving Information:
Vermont auto insurance rates by age
Another major category of high-risk drivers with higher average premiums is young drivers, especially teen drivers. If you’re under 25 years old, you’ll pay a higher rate for the same coverage because insurance companies see your lack of experience as a major risk factor.
How can young drivers save money on car insurance in Vermont?
- Vermont’s graduated licensing program can help young drivers feel more confident and safe behind the wheel.
- Taking a defensive driving course can help reduce risk levels and obtain cheaper premiums for young drivers.
- Maintaining a good average can qualify student drivers for a good student discount.
- Vermont’s graduated licensing program can help young drivers feel more confident and safe behind the wheel.
- Taking a defensive driving course can help reduce risk levels and obtain cheaper premiums for young drivers.
- Maintaining a good average can qualify student drivers for a good student discount.
Vermont car insurance rates by city
Remember how rural roads and urban traffic can impact your annual premium? Well, one of the factors every insurance company will look at before setting your rate is your ZIP code.
In general, city drivers will pay more. That’s why South Burlington car insurance costs are roughly $500 more per year than Bellows Falls insurance costs.
Want to see how insurance costs in your area compare to the state average? Here’s a more specific breakdown of insurance prices for Jerry users across Vermont:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Barre | $1,616 | $605 |
| Bennington | $1,717 | $616 |
| Brattleboro | $1,461 | $415 |
| Burlington | $1,563 | $720 |
| Colchester | $1,854 | $693 |
| Rutland | $1,525 | $623 |
| South Burlington | $1,513 | $537 |
| Swanton | $2,149 | $851 |
| Williston | $1,415 | $591 |
| Winooski | $2,100 | $1,180 |
Least Expensive Cities in Vermont
Saint Johnsbury is the least expensive city in Vermont for car insurance. Annual car insurance costs in Richland will cost you an average of $543.
City With Highest Rates of Accidents in Vermont
Burlington has the highest accident rates in Vermont with 13.39% of drivers having a prior at-fault accident. If accidents happen more frequently in your area, you can expect that to reflect negatively on your insurance rates.
Read Vermont Accident Information:
Cities With the Longest Commute Times in Vermont
Swanton has the longest commute time in Vermont with drivers seeing an average commute of 27.8 minutes. Accidents can happen anytime—even in stop and go traffic, which increases the likelihood of minor bumps. It’s important to make sure your insurance is up to par.
Read Commuting Insurance Information:
Cheap auto insurance for your vehicle type in Vermont
In most cases, the cheaper the car, the lower the cost of insurance—thanks to reduced repair costs in the case of an accident.
But sticker price isn’t the only thing that matters. 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.
But even though the F-150 starts at about $10,000 more than the Legacy, Ford-150 insurance costs tend to be considerably lower than Subaru Legacy insurance costs. Why? The availability of parts, safety ratings, engine size, and other factors all play into the rates insurance companies set for individual vehicles.
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Chevrolet Silverado K1500 LT | $1,690 | $798 |
| Gmc Sierra K1500 | $1,578 | $769 |
| Toyota Highlander Limited | $1,238 | $538 |
Most Popular Car in Vermont
The most popular vehicle in Vermont is the Subaru Crosstrek. The average Crosstrek driver pays $1,330 in car insurance yearly. Jerry helps you shop for the cheapest policies in seconds.
Do you need more than the minimum coverage in Vermont?
Purchasing more car insurance than your state requires is almost always a good idea if you can afford it.
Remember, minimum liability coverage won’t pay for repairs to your vehicle in the vast majority of cases, leaving you exposed to serious financial risks (especially in Vermont’s nasty winters). Full coverage car insurance fixes this problem with collision and comprehensive insurance.
And even minimum liability comes with significant drawbacks. In an at-fault accident, your liability insurance will pay for hospital bills and vehicle repairs for other drivers only up to your policy’s limits. The average cost of a hospital stay after a car accident is about $60,000 and the average cost of cars on the road in 2022 is $48,000—making Vermont’s liability limits inadequate for serious accidents!
Check out the features below to see the risk factors that make additional coverage worth it in Vermont.
Vermont is ranked as the 24th state for the quality of their traffic and infrastructure. Don’t let a random pothole ruin your drive. Have roadside assistance on your side for any car issues that may appear.
Vermont had approximately 264 stolen cars reported in 2020, making them the state least likely for car thefts. Be ready for theft by protecting your car with comprehensive coverage.
8.80% of drivers in Vermont are underinsured or uninsured. Be ready for your next fender bender by signing up for uninsured/underinsured motorist coverage.
Read information about uninsured drivers:
How to save money on car insurance in Vermont
Vermont may have some of the lowest average car insurance rates, but that’s no reason not to seek out savings!
Shop around for quotes
One of the best ways to save on car insurance costs is to compare quotes from at least three different providers before settling on a policy. It's a good idea to shop for new quotes before every renewal, too.
Look for discounts
Just about every insurance company offers auto insurance discounts, whether it’s for bundling home and auto insurance or getting good grades in school. But they won’t always advertise them, leaving you to find out on your own which discounts you’re eligible for.
Here are a few of the most popular car insurance discounts in Vermont:
Clean Driving Record Discounts
Clean Driving Record Discounts
Having a clean driving record proves to your insurance that you are a good driver that doesn’t take risks. If you drive safely and have little to no prior claims, your carrier will reward you with reduced prices.
Bundling Discounts
Bundling Discounts
Car insurance customers who also get multiple insurance policies with the same carrier can get a bundling discount.
Safety Features and Anti-theft Discounts
Safety Features and Anti-theft Discounts
Having the most up-to-date safety features as well as an anti-theft system installed is a great way to cut back on your insurance rates in Vermont.
Increase your deductible
Increasing your deductible—the amount you pay before your collision or comprehensive coverage kicks in on a claim—is another way to keep monthly premiums low.
A higher deductible would mean that you’d pay more out of pocket if you make a claim, but you could save money if you don’t think that’s likely. However, it’s important to make sure that you can afford to pay the full deductible each time you would need to file.
By R.E. Fulton
Updated on Mar 20, 2023
Reviewed by Kathleen Flear, Director of Content.
Compare best car insurance quotes in Vermont
Best car insurance companies in Vermont
Vermont car insurance FAQs
How much does car insurance cost in Vermont?
Vermont car insurance requirements
Cheap car insurance with a DUI or speeding ticket in Vermont
Vermont auto insurance rates by age
Vermont car insurance rates by city
Cheap auto insurance for your vehicle type in Vermont
Do you need more than the minimum coverage in Vermont?
How to save money on car insurance in Vermont
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