Why Compare Car Insurance Rates in Vermont:
In Vermont, car insurance tends to be quite affordable. A year's worth of car insurance in Vermont costs an average of $1,170, which is 25.9% cheaper than the national average. If you just got your driver's license or recently moved to Vermont, you might be curious about the state's auto insurance laws and how to get the cheap yet best car insurance in Vermont.
All states require you to buy such insurance coverage before you can register your car. According to the Vermont Insurance Department, all car owners must have at least the following:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily injury liability coverage | $25,000 per person
$50,000 per accident |
| Property damage liability coverage | $10,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person
$100,000 per accident |
| Uninsured/underinsured motorist property damage | $10,000 per accident |
State Farm offers the most affordable full-coverage insurance quotes in Vermont. Concord, with lower rates than the state average, is the next on the list. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.
| Company | Annual Premium |
|---|---|
| American Family | $212 |
| Vermont Mutual | $219 |
| Progressive | $361 |
| Nationwide | $370 |
| GEICO | $394 |
| State Farm | $421 |
| Allstate | $466 |
In Vermont, like other states, various types of car insurance coverage are available. Collision coverage, comprehensive coverage, liability insurance are among those. To learn more about these coverage alternatives, refer types of vehicle insurance coverages in Vermont.
It is against the law to drive a car in Vermont unless you have a certain amount of liability insurance. 23 V.S.A. 800 sets the minimum amount of liability insurance that must be taken.
The Vermont DMV may issue a (civil) traffic citation to anyone found in violation of this law (by driving or allowing the operation of an uninsured vehicle) and require the payment of a fine, point assessment against their driving privileges and/or license, and the filing of Financial Responsibility Insurance.
With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.
Vermont does not require personal injury protection (PIP). Infact in Vermont, PIP is completely unavailable. If you've been injured in a car accident in Vermont, you may be eligible for medical payments insurance (sometimes referred to as Med Pay).
Despite the fact that you don't have to submit your proof of insurance to the DMV, you still need to keep a copy of it with you at all times while driving.
| Company | Annual Premium |
|---|---|
| Vermont Mutual | $524 |
| American Family | $604 |
| Nationwide | $776 |
| Progressive | $869 |
| State Farm | $1,087 |
| Concord Group | $1,342 |
| Allstate | $1,529 |
In Vermont, the cheapest car insurance company and others got a significant difference in the premium. Refer the following table to get the numbers of the different insurance quotes.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $622 |
| Concord | $756 |
| Nationwide | $944 |
| Co-Operative Insurance | $970 |
| Vermont Mutual | $991 |
| MetLife | $1,060 |
| State Farm | $1,086 |
| Statewide Average | $1,282 |
| Allstate | $1,469 |
| Progressive | $1,937 |
Concord offers the cheapest car insurance for 17-year-old drivers or young Vermont drivers.
| Company | 17-YEAR-OLD FEMALE | 17-YEAR-OLD MALE |
|---|---|---|
| State Farm | $1,445 | $1,845 |
| Concord Group | $1,677 | $1,800 |
| Nationwide | $2,346 | $3,062 |
| Allstate | $1,700 | $2,198 |
| Progressive | $3,269 | $3,623 |
| Co-Operative Insurance | $4,733 | $5,793 |
| USAA | $2,219 | $2,311 |
Vermont Mutual has the cheapest car insurance for drivers who have a ticket on their record.
| Company | Annual Premium |
|---|---|
| Vermont Mutual | $533 |
| State Farm | $632 |
| American Family | $781 |
| Concord Group | $981 |
| Allstate | $1,023 |
| Nationwide | $1,131 |
| MetLife | $1,440 |
| Progressive | $1,544 |
When it comes to insurance for drivers who have been involved in an accident, Vermont Mutual is the most affordable option.
| Company | Annual Premium |
|---|---|
| Vermont Mutual | $533 |
| State Farm | $632 |
| American Family | $781 |
| Concord Group | $981 |
| USAA | $865 |
| Allstate | $1,023 |
| Nationwide | $1,131 |
| Progressive | $1,544 |
| MetLife | $1,655 |
| Co-Operative Insurance | $2,066 |
State Farm is the most affordable option in Vermont for drivers who have been found guilty of a DUI or DWI.
| Company | Annual Premium |
|---|---|
| State Farm | $585 |
| Progressive | $1,035 |
| Allstate | $1,036 |
| Concord Group | $1,103 |
| American Family | $1,180 |
| USAA | $1,259 |
| Nationwide | $1,372 |
| MetLife | $2,356 |
| Vermont Mutual | $2,517 |
| Co-Operative Insurance | $3,580 |
State Farm offers the lowest annual premium for car insurance for married drivers than any other insurer.
| Company | Annual rate |
|---|---|
| State Farm | $745 |
| Concord | $855 |
| Nationwide | $1,355 |
| Progressive | $1,820 |
| Allstate | $1,890 |
State Farm has the most affordable car insurance premium rates for young drivers involved with a recent accident.
| Company | Annual rate |
|---|---|
| State Farm | $1,095 |
| Concord | $1,245 |
| Allstate | $1,385 |
| Progressive | $2,255 |
| Nationwide | $2,790 |
The average full coverage policy in Vermont costs $1,170 a year. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.
| City | Annual Rate |
|---|---|
| Adamant | $1,361 |
| Albany | $1,385 |
| Alburgh | $1,349 |
| Arlington | $1,373 |
| Ascutney | $1,385 |
| Averill | $1,349 |
| Bakersfield | $1,349 |
| Barnet | $1,385 |
| Barre | $1,349 |
| Barton | $1,385 |
| Beebe Plain | $1,361 |
| Beecher Falls | $1,361 |
| Bellows Falls | $1,349 |
| Belmont | $1,361 |
| Belvidere Center | $1,361 |
| Bennington | $1,373 |
| Benson | $1,361 |
| Bethel | $1,385 |
| Bomoseen | $1,361 |
| Bondville | $1,385 |
| Bradford | $1,337 |
| Brandon | $1,361 |
| Brattleboro | $1,349 |
| Bridgewater | $1,385 |
| Bridgewater Corners | $1,349 |
| Bridport | $1,349 |
| Bristol | $1,397 |
| Brookfield | $1,349 |
| Brownsville | $1,349 |
| Burlington | $1,373 |
| Cabot | $1,373 |
| Calais | $1,373 |
| Cambridge | $1,397 |
| Cambridgeport | $1,349 |
| Canaan | $1,361 |
| Castleton | $1,361 |
| Cavendish | $1,349 |
| Center Rutland | $1,373 |
| Charlotte | $1,397 |
| Chelsea | $1,337 |
| Chester | $1,349 |
| Chittenden | $1,373 |
| Colchester | $1,397 |
| Concord | $1,361 |
| Corinth | $1,337 |
| Craftsbury | $1,349 |
| Craftsbury Common | $1,349 |
| Cuttingsville | $1,373 |
| Danby | $1,361 |
| Danville | $1,349 |
| Derby | $1,385 |
| Derby Line | $1,373 |
| Dorset | $1,373 |
| East Arlington | $1,373 |
| East Barre | $1,361 |
| East Berkshire | $1,349 |
| East Burke | $1,361 |
| East Calais | $1,373 |
| East Charleston | $1,373 |
| East Corinth | $1,337 |
| East Dorset | $1,373 |
| East Dover | $1,349 |
| East Fairfield | $1,349 |
| East Hardwick | $1,385 |
| East Haven | $1,361 |
| East Middlebury | $1,349 |
| East Montpelier | $1,349 |
| East Poultney | $1,373 |
| East Randolph | $1,385 |
| East Ryegate | $1,349 |
| East Saint Johnsbury | $1,361 |
| East Thetford | $1,373 |
| East Wallingford | $1,361 |
| Eden | $1,361 |
| Eden Mills | $1,373 |
| Enosburg Falls | $1,361 |
| Essex Junction | $1,397 |
| Fair Haven | $1,361 |
| Fairfax | $1,361 |
| Fairfield | $1,349 |
| Fairlee | $1,373 |
| Ferrisburgh | $1,385 |
| Florence | $1,373 |
| Forest Dale | $1,373 |
| Franklin | $1,361 |
| Gaysville | $1,385 |
| Gilman | $1,361 |
| Glover | $1,361 |
| Grafton | $1,349 |
| Grand Isle | $1,349 |
| Graniteville | $1,349 |
| Granville | $1,397 |
| Greensboro | $1,361 |
| Greensboro Bend | $1,385 |
| Groton | $1,361 |
| Guildhall | $1,361 |
| Hancock | $1,361 |
| Hardwick | $1,385 |
| Hartland | $1,373 |
| Hartland Four Corners | $1,373 |
| Highgate Center | $1,349 |
| Highgate Springs | $1,349 |
| Hinesburg | $1,397 |
| Huntington | $1,361 |
| Hyde Park | $1,361 |
| Hydeville | $1,361 |
| Irasburg | $1,349 |
| Island Pond | $1,361 |
| Isle La Motte | $1,361 |
| Jacksonville | $1,349 |
| Jamaica | $1,349 |
| Jeffersonville | $1,373 |
| Jericho | $1,361 |
| Johnson | $1,373 |
| Jonesville | $1,397 |
| Killington | $1,373 |
| Lake Elmore | $1,373 |
| Londonderry | $1,349 |
| Lowell | $1,385 |
| Lower Waterford | $1,361 |
| Ludlow | $1,349 |
| Lunenburg | $1,361 |
| Lyndon Center | $1,397 |
| Lyndonville | $1,397 |
| Manchester | $1,373 |
| Manchester Center | $1,373 |
| Marshfield | $1,373 |
| Mc Indoe Falls | $1,385 |
| Middlebury | $1,349 |
| Middletown Springs | $1,361 |
| Milton | $1,373 |
| Montgomery Center | $1,349 |
| Montpelier | $1,349 |
| Moretown | $1,373 |
| Morgan | $1,361 |
| Morrisville | $1,361 |
| Moscow | $1,373 |
| Mount Holly | $1,361 |
| New Haven | $1,349 |
| Newbury | $1,337 |
| Newfane | $1,349 |
| Newport | $1,361 |
| Newport Center | $1,349 |
| North Bennington | $1,373 |
| North Clarendon | $1,373 |
| North Concord | $1,361 |
| North Ferrisburgh | $1,349 |
| North Hartland | $1,373 |
| North Hero | $1,361 |
| North Hyde Park | $1,373 |
| North Montpelier | $1,409 |
| North Pomfret | $1,385 |
| North Pownal | $1,361 |
| North Springfield | $1,349 |
| North Thetford | $1,373 |
| North Troy | $1,385 |
| Northfield | $1,373 |
| Northfield Falls | $1,361 |
| Norton | $1,349 |
| Norwich | $1,385 |
| Orleans | $1,385 |
| Orwell | $1,349 |
| Passumpsic | $1,361 |
| Pawlet | $1,361 |
| Peacham | $1,361 |
| Perkinsville | $1,349 |
| Peru | $1,385 |
| Pittsfield | $1,361 |
| Pittsford | $1,373 |
| Plainfield | $1,373 |
| Plymouth | $1,361 |
| Post Mills | $1,385 |
| Poultney | $1,361 |
| Pownal | $1,361 |
| Proctor | $1,349 |
| Proctorsville | $1,349 |
| Putney | $1,349 |
| Quechee | $1,373 |
| Randolph | $1,385 |
| Randolph Center | $1,385 |
| Reading | $1,349 |
| Readsboro | $1,373 |
| Richford | $1,361 |
| Richmond | $1,397 |
| Ripton | $1,361 |
| Rochester | $1,385 |
| Roxbury | $1,385 |
| Rutland | $1,361 |
| Saint Albans Bay | $1,349 |
| Saint Johnsbury Center | $1,361 |
| Salisbury | $1,361 |
| Saxtons River | $1,349 |
| Shaftsbury | $1,373 |
| Sharon | $1,385 |
| Sheffield | $1,361 |
| Shelburne | $1,385 |
| Sheldon | $1,349 |
| Sheldon Springs | $1,349 |
| Shoreham | $1,349 |
| South Barre | $1,361 |
| South Burlington | $1,361 |
| South Hero | $1,349 |
| South Londonderry | $1,361 |
| South Newfane | $1,385 |
| South Pomfret | $1,385 |
| South Royalton | $1,373 |
| South Ryegate | $1,361 |
| South Strafford | $1,373 |
| South Woodstock | $1,385 |
| Springfield | $1,349 |
| St. Albans | $1,349 |
| St. Johnsbury | $1,349 |
| Stamford | $1,373 |
| Starksboro | $1,397 |
| Stockbridge | $1,385 |
| Stowe | $1,373 |
| Strafford | $1,373 |
| Sutton | $1,373 |
| Swanton | $1,361 |
| Taftsville | $1,421 |
| Thetford Center | $1,373 |
| Topsham | $1,337 |
| Townshend | $1,349 |
| Troy | $1,361 |
| Tunbridge | $1,337 |
| Underhill | $1,397 |
| Underhill Center | $1,397 |
| Vergennes | $1,385 |
| Vernon | $1,349 |
| Vershire | $1,373 |
| Waitsfield | $1,373 |
| Wallingford | $1,373 |
| Wardsboro | $1,349 |
| Warren | $1,385 |
| Washington | $1,349 |
| Waterbury | $1,361 |
| Waterbury Center | $1,361 |
| Waterville | $1,361 |
| Websterville | $1,361 |
| Wells | $1,373 |
| Wells River | $1,349 |
| West Brattleboro | $1,349 |
| West Burke | $1,361 |
| West Charleston | $1,385 |
| West Danville | $1,385 |
| West Dover | $1,349 |
| West Dummerston | $1,349 |
| West Fairlee | $1,373 |
| West Halifax | $1,349 |
| West Hartford | $1,385 |
| West Newbury | $1,337 |
| West Pawlet | $1,361 |
| West Rupert | $1,385 |
| West Rutland | $1,361 |
| West Topsham | $1,337 |
| West Townshend | $1,349 |
| West Wardsboro | $1,349 |
| Westfield | $1,361 |
| Westford | $1,397 |
| Westminster | $1,349 |
| Westminster Station | $1,349 |
| Weston | $1,349 |
| White River Junction | $1,373 |
| Whiting | $1,361 |
| Whitingham | $1,349 |
| Wilder | $1,373 |
| Williamstown | $1,349 |
| Williamsville | $1,349 |
| Williston | $1,385 |
| Wilmington | $1,349 |
| Windsor | $1,349 |
| Winooski | $1,349 |
| Wolcott | $1,373 |
| Woodbury | $1,361 |
| Woodstock | $1,385 |
| Worcester | $1,361 |
| Company | Annual Premium |
|---|---|
| Concord Group | $960 |
| Nationwide | $1,067 |
| Allstate | $1,134 |
| Vermont Mutual | $1,242 |
| American Family | $1,273 |
| USAA | $1,557 |
| Progressive | $1,579 |
| State Farm | $1,729 |
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,194 | 1% | $10 |
| One Med/PIP claim | $1,194 | 1% | $10 |
| Two Med/PIP claims | $1,295 | 2% | $21 |
| Not-at-fault accident | $1,236 | 5% | $52 |
| One comp claim | $1,241 | 5% | $57 |
| Two comp claims | $1,290 | 9% | $106 |
| Failure to show documents | $1,294 | 9% | $109 |
| Driving without lights | $1,297 | 10% | $112 |
| Child safety restraint | $1,297 | 10% | $112 |
| Failure to wear a seat belt | $1,313 | 11% | $129 |
| At-fault accident - less than $1000 | $1,331 | 13% | $146 |
| Driving with expired registration | $1,345 | 14% | $161 |
| Speeding 6 - 10 MPH over limit | $1,364 | 15% | $180 |
| Speeding 16 - 20 MPH over limit | $1,369 | 16% | $184 |
| Speeding 11 - 15 MPH over limit | $1,369 | 16% | $184 |
| Speeding in school zone | $1,370 | 16% | $186 |
| Driving too slowly | $1,370 | 16% | $186 |
| Wrong way/wrong lane | $1,376 | 16% | $192 |
| Failure to stop at a red light | $1,381 | 17% | $197 |
| Failure to yield | $1,381 | 17% | $197 |
| Following too closely | $1,381 | 17% | $197 |
| Illegal turn | $1,381 | 17% | $197 |
| Improper passing | $1,388 | 17% | $204 |
| Speeding 21 - 25 MPH over limit | $1,397 | 18% | $213 |
| Cell phone violation | $1,513 | 28% | $328 |
| Texting while driving | $1,513 | 28% | $328 |
| In 65 MPH zone | $1,541 | 30% | $357 |
| At-fault accident - $1000-$2000 | $1,565 | 32% | $380 |
| Passing school bus | $1,590 | 34% | $405 |
| At-fault accident - greater than $2000 | $1,632 | 38% | $447 |
| Operating a vehicle without permission | $1,785 | 51% | $601 |
| Open container | $1,899 | 60% | $714 |
| Reckless driving | $2,091 | 77% | $907 |
| Racing | $2,185 | 85% | $1,001 |
| Driving with a suspended license | $2,488 | 110% | $1,304 |
| Refusal to submit to a chemical test | $2,541 | 115% | $1,357 |
| DUI | $2,560 | 116% | $1,375 |
| Leaving scene of an accident/hit and run | $2,609 | 120% | $1,425 |
| Year | Avg. Annual Premium - Vermont | Yearly Change - Vermont | Avg. Annual Premium - US | Yearly Change - US |
|---|---|---|---|---|
| 2021 | $1,168 | $112 | $1,539 | $56 |
| 2020 | $1,066 | -$83 | $1,493 | -$51 |
| 2019 | $1,159 | $56 | $1,554 | $33 |
| 2018 | $1,113 | -$683 | $1,531 | $94 |
| 2017 | $1,806 | $244 | $1,447 | $79 |
| 2016 | $1,572 | -$313 | $1,378 | $98 |
| 2015 | $1,895 | $226 | $1,290 | $61 |
| 2014 | $1,679 | $165 | $1,239 | $44 |
| 2013 | $1,524 | -$53 | $1,305 | -$70 |
| 2012 | $1,587 | $333 | $1,286 | $92 |
In Vermont, your insurance agent will set your rates, but there are many ways to get cheap car insurance quotes. Prices will vary widely from one person to the next, as well as from one company to the next. As a final option, individuals can shop around to find the best deal for their situation, It's better to do your research on the best insurance quote providers in Vermont.
Vermont is not a no-fault state. All at-fault drivers must pay for the bodily injury they cause in a collision.
A variety of auto insurance discounts are available in Vermont, but the specifics of each deal will differ from one agency to another. If you're switching insurance carriers, inquire as to whether they provide a transition discount. It is possible that you will be able to save money by relocating. For additional information on the various car insurance discounts available in Vermont, check out the blog.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Yes, like most states in the U.S., Vermont requires all registered vehicles to carry auto insurance.
In Vermont, even if you and your spouse decide to have separate car insurance policies, you may still be required to list each other on your policy.
You cannot register a car without insurance in Vermont. Proof of insurance is required at the time of registration.
In Vermont, car insurance tends to be quite affordable. A year's worth of car insurance in Vermont cost is 25.9% cheaper than the national average.
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