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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.

Minimum Required Auto Insurance Coverage 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

Cheapest Car Insurance in Vermont for Minimum Required Coverage

State Farm offers the most affordable full-coverage insurance quotes in Vermont. and 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.

Types of Car Insurance Coverage Available in Vermont

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.

Vermont Car Insurance Laws

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 car insurance PIP requirements

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).

Proof of Auto Insurance in Vermont

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.

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Average Cost of Auto Insurance Companies in Vermont

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

Cheapest Car Insurance Quotes for Vermont Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Vermont from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Vermont. According to our in-house market research, these companies offer the best auto insurance in Vermont.

Cheap car insurance in Vermont for young Vermont drivers

Concord offers the cheapest car insurance for 18-year-old drivers or young Vermont drivers.

COMPANY 18-YEAR-OLD
FEMALES
18-YEAR-OLD
MALES
Allstate $3,170 $4,163
Concord $1,781 $1,941
Co-Operative Insurance $4,723 $5,783
Nationwide $2,736 $3,578
Progressive $5,443 $5,983
State Farm $2,991 $3,743
Vermont Mutual $2,692 $3,330
USAA $2,209 $2,301
Statewide Average $3,164 $3,824

Cheap car insurance for Vermont drivers with a speeding ticket

USAA has the cheapest car insurance for drivers who have a ticket on their record.

COMPANY AVERAGE ANNUAL RATE
USAA $709
Concord $850
Co-Operative Insurance $970
Nationwide $1,122
Vermont Mutual $1,155
State Farm $1,186
Statewide Average $1,212
MetLife $1,420
Allstate $1,602
Progressive $2,320

Cheap auto insurance for Vermont drivers after a car accident

When it comes to insurance for drivers who have been involved in an accident, USAA is the most affordable option.

COMPANY AVERAGE ANNUAL RATE
USAA $855
Concord $960
Vermont Mutual $991
State Farm $1,286
Nationwide $1,357
Statewide Average $1,551
MetLife $1,645
Allstate $1,936
Co-Operative Insurance $2,056
Progressive $3,040

Cheap car insurance quotes for Vermont drivers with a DUI

State Farm is the most affordable option in Vermont for drivers who have been found guilty of a DUI or DWI.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,186
Concord $1,242
USAA $1,249
Nationwide $1,660
Allstate $1,998
Progressive $2,111
Statewide Average $2,096
MetLife $2,346
Vermont Mutual $3,398
Co-Operative Insurance $3,570

Cheap car insurance for married Vermont drivers

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

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Cheap full coverage car insurance quotes for young drivers with an accident history

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

Compare Car Insurance Rates In Top Cities

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.

CityAnnual 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

Cheap auto insurance in Vermont with bad credit

COMPANY Avg. Annual Premium
Nationwide $1,397
USAA $1,537
Allstate $2,322
Progressive $2,773
State Farm $3,000
Metropolitan $3,582

Vermont auto insurance rate by violation

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

Car insurance price trends in Vermont

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

How to Find The Best Car Insurance in Vermont

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.

Things to Know About Car Insurance When Moving to Vermont

Vermont is not a no-fault state. All at-fault drivers must pay for the bodily injury they cause in a collision.

How to Get Discounts on Car Insurance in Vermont

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.

Auto Insurance Data Methodology

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

FAQs

Do you need car insurance in Vermont?

Yes, like most states in the U.S., Vermont requires all registered vehicles to carry auto insurance.

Can married couples have separate car insurance in Vermont?

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.

Do you need insurance to register a car in Vermont?

You cannot register a car without insurance in Vermont. Proof of insurance is required at the time of registration.

Is car insurance expensive in Vermont?

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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