Car Insurance in Vermont

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Looking for cheap car insurance in Vermont?

Vermont is mainly rural and it is one of the top 10 most affordable states for insurance in the country.
But location-specific factors are just some of many considerations car insurance companies take into account, and every provider uses their own formula to calculate your rates.
To guarantee the best rates and coverage, shopping around is the best way to save—and using a free insurance shopping app like Jerry will help you find the best prices without sacrificing coverage.
After answering a few short questions, all you have to do is choose from a list of quotes from top providers. Jerry takes care of the rest, including switching you over, canceling your old policy, and handling your renewals.
You get all the savings with none of the hassles!
Here are some real quotes from customers in Vermont who saved money with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
September 3, 2021Ford Escape SESpringfield40Progressive$99/mo.$62/mo.
October 13, 2021Dodge Grand Caravan SEWells River47Progressive$100/mo.$66/mo.
June 23, 2021Volkswagen Tiguan SSouth Burlington25Progressive$166/mo.$83/mo.
April 20, 2021Chevrolet Cruze LTBrattleboro23Progressive$126/mo.$84/mo.
July 31, 2021Kia Soul +Burlington41Progressive$227/mo.$116/mo.
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How much does car insurance cost in Vermont?

The average cost of liability-only car insurance in Vermont is $1,561 per year. If you prefer to buy full-coverage car insurance in Vermont, you can expect to pay an average cost of $2,800 per year.

How does the annual cost in Vermont compare to the rest of the country?

When comparing these figures to the nationwide averages, it costs $1,764 per year to buy liability-only car insurance and $2,486 per year to buy full-coverage car insurance.
What factors influence car insurance rates in Vermont? Some to consider are:
  • High proportion of uninsured drivers.
  • The numerous rural and remote roads throughout the state, leading to more claims overall.
Here’s how Vermont’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
VT$1,681$1,073----
National Average$2,491$1,672$2,359$1,390$2,763$1,962
VTNational Average
All Coverage Before Jerry
$1,681$2,491
All Coverage After Jerry
$1,073$1,672
Minimum Coverage Before Jerry
-$2,359
Minimum Coverage After Jerry
-$1,390
Full Coverage Before Jerry
-$2,763
Full Coverage After Jerry
-$1,962
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Top auto insurance providers in Vermont

There are a number of insurance companies that serve drivers in Vermont, including popular choices like Allstate and Progressive.
But finding the right provider for you will depend on your age, location, driving experience, and type of vehicle.
If you drive the popular Honda Civc, for example, insurance prices will cost far less than a pricy Mercedes-Benz due to more affordable repair and maintenance costs.
Check out some of the awesome deals that Jerry customers have found with various insurance companies in Vermont:
Insurance Company
Average Cost
Annual Savings with Jerry
Travelers$2,311$1,257Compare Prices
Allstate$2,108$804Compare Prices
Safeco$1,738$356Compare Prices
Nationwide$1,547$280Compare Prices

What car insurance do you need in Vermont?

Almost every state requires drivers to have minimum amounts of insurance before they can hit the road. You’ll need at least the following in Vermont:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$10,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Personal injury protection$8,000Covers medical expenses, lost wages, and rehabilitation costs after an accident
Uninsured motorist coverage for bodily injury$50,000 per person / $50,000 per accidentReimburses you for bodily injury-related expenses stemming from an accident caused by an uninsured driver.
Uninsured motorist coverage for property damage$10,000Covers the cost of property damage when involved in an accident with an uninsured driver.
If you let your coverage lapse, or fail to buy car insurance altogether, some potential consequences include:
  • Fines of up to $500.
  • Suspension of your registration and license plates after multiple offenses.
  • If you’ve had more than one offense, an SR-22 will be required.
While you may think having the minimum required liability coverage in Vermont is sufficient, there’s no guarantee that it will cover you completely in the case of an accident. You should invest in further coverage if you can afford to do so.
Vermont drivers should consider the following insurance:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown, like towing and labor costs
If you’re ready to get going and find your perfect coverage, then check out the Jerry app.
In less than 45 seconds, Jerry collects all of your information from your existing insurer. Choose from competitive quotes from 50+ top insurance companies and Jerry takes care of the rest—securing your new policy and helping you cancel your old one.
No long forms. No time-consuming calls. No hard work. Just savings.
The best part? The average Jerry user saves $879 a year on car insurance!
With the type of insurance you need in mind, let’s break down what may impact your costs.

How is your cost of car insurance determined in Vermont?

Your age, driving record, location, and vehicle all play a significant role in determining your final insurance premium.

Cost to insure your car in Vermont by age

Age is a big factor in insurance rates since it directly correlates to your experience behind the wheel. Since young drivers are more prone to speed, drive distractedly, and get into accidents, rates tend to be very high for drivers under the age of 25.
What young drivers in Vermont need to know
  • 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.
While young drivers are unlikely to find the same low rates as their parents, shopping around and maintaining a clean driving record can help reduce costs.
No matter your age, you can comparison shop with Jerry to save money. Here are the prices Jerry offers drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$1,620$486
21-24$2,756$938
25-34$2,098$833
35-44$1,960$720
45-54$1,620$728
65+$1,344$300
Cost of insurance for drivers in VT with a bad driving record ||| Poor driving record insurance
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,015$722
Reckless Driving$6,720$2,804
DUI$6,720$2,804
Driving on Sus. License$3,825$1,236
Improper Passing$2,568$986
Failure to Obey Traffic Sign$2,568$986
Speeding under 15$2,447$598
Speeding over 15$1,406$334
Other$1,920$211
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Cost to insure your car in Vermont with a poor driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often end up paying higher car insurance rates.
In Vermont, points from violations remain on your record for two years. During this time—and sometimes even beyond—insurance companies see you as a high-risk driver and adjust their premiums to reflect that.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Here are some of the cheapest rates that Jerry has helped those with poor driving records obtain:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,015$722
Reckless Driving$6,720$2,804
DUI$6,720$2,804
Driving on Sus. License$3,825$1,236
Improper Passing$2,568$986
Failure to Obey Traffic Sign$2,568$986
Speeding under 15$2,447$598
Speeding over 15$1,406$334
Other$1,920$211
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in Vermont based on where you live

Just as car insurance rates vary by state, they can also vary by specific location.
Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
But no matter where you live in Vermont, Jerry can always help you find affordable car insurance:
City
Average Cost
Annual Savings with Jerry
Barre$1,320$368
Bennington
$2,251$452
Brattleboro$1,650$408
Burlington$2,578$1,420
Hartford
$1,800$849
South Burlington$1,656$648
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Cost to insure your car in Vermont based on the type of car you drive

In most cases, the cheaper the car, the lower the cost of insurance—thanks to reduced fees and repairs in the case of an accident.
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.
Vermont drivers behind the wheel of a more expensive truck, like the Ram 2500 Laramie, will end up paying more for their insurance simply due to a higher starting MSRP.
Here’s what Vermont drivers can expect to pay when insuring popular makes and models—with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Mitsubishi Outlander Sport ES$3,600$2,777
Dodge Dart SXT$1,600$1,264
Nissan Rogue Select S$2,091$904
Subaru Forester 2.5I Limited$1,344$694
Ram 1500 Big Horn/Lone Star$1,680$390
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How to save money on car insurance in Vermont:

Nobody wants to pay more than they have to when insuring their vehicle. And no matter where you live, your driving history, experience, and type of vehicle, there are always ways to save.

Shop around for quotes

The ideal way to find the best rates on all kinds of insurance is comparison shopping. But if you’ve ever filled out car insurance forms, then you know how miserable and time-consuming it can be.
If you’re shopping for car insurance, Jerry can generate competitive quotes from 50+ of the top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls.
You basically get all of the savings and coverage, with none of the hassles.

Look for discounts

A good discount can go a long way in saving you money! The majority of insurance companies in Vermont offer discounts based on policy, driver, and type of vehicle.
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.

Increase your deductible

You can help to lower your premium by increasing your deductible—that is, is the amount you have to pay for a claim before your insurance covers the rest.
Before inquiring about raising your deductible, be sure that you can afford to pay the deductible in full whenever making a claim.

Registering your car in Vermont

To register a car in Vermont, bring the following paperwork to your local DMV:
  • Valid driver’s license or ID card.
  • Proof of insurance.
  • Proof of sales tax payment.
  • Car title or signed lease agreement.
  • Proof of a safety inspection.
  • Emissions test certificate, if applicable.
It’s a good idea to make an appointment beforehand. You’ll have to complete a registration form with details about your vehicle and personal information when you’re there.
Annual vehicle registration is required in Vermont.

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