$14/mo
$19/mo
$21/mo
The car 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. 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.
The car owners in Vermont pays on an average of $645 for six months for car insurance, which is less than the national average. Union Mutual offers cheap and the best rates in Vermont.
Union Mutual offers the cheapest liability coverage in Vermont at $14/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Vermont ↓
Union Mutual provides cheap full insurance coverage in Vermont at $62/month, offering excellent value.
Read about the cheapest full coverage companies in Vermont ↓
Union Mutual is the cheapest option after an at-fault accident in Vermont at $14 per month.
Read more about best car insurance companies after at-fault accident in Vermont ↓
State Farm was named the best overall by J.D. Power and AM Best, making it a top pick among Vermont’s best car insurers.
Check out the full list of the best car insurance companies in Vermont ↓For drivers looking to meet Vermont minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Vermont is widely available from providers like Union Mutual at $14/month. If you opt for Nationwide you will have to pay at least $54/month for your car insurance premium, which is the highest in Vermont.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Union Mutual | $83 | $14 |
| Co-Op | $113 | $19 |
| USAA | $125 | $21 |
| American Family | $131 | $22 |
| State Farm | $149 | $25 |
| Auto-Owners | $154 | $26 |
| Vermont Mutual | $184 | $31 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Union Mutual offers the cheapest car insurance for full coverage in Vermont at $62 per month. On the other hand Allstate offers the most expensive rate at $181 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Union Mutual | $374 | $62 |
| Co-Op | $493 | $84 |
| USAA | $493 | $83 |
| Vermont Mutual | $529 | $89 |
| State Farm | $564 | $95 |
| Concord Group | $677 | $115 |
| Progressive | $677 | $114 |
Get Your Car Insurance Quote in Vermont Instantly!
State Farm stands out as the best car insurance provider in Vermont, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, American Family is a top pick for drivers seeking value and reliability.
State Farm offers a six-month premium of $202, which amounts to approximately $34 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of American Family is $273, which is higher than State Farm's by $71. Their higher monthly premium is, due to their strict policies on traffic violations.
Vermont Mutual's premium is $368, which is significantly more expensive than American Family's by $95. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $202 | $34 |
| American Family | $273 | $46 |
| Vermont Mutual | $368 | $62 |
| USAA | $410 | $68 |
| Allstate | $600 | $101 |
Teens and young drivers in Vermont often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Vermont is
$1145 for 6 months, which is less than the national average.
American Family is the best options for cheap
car insurance for young drivers in Vermont.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $166 | $28 |
| Auto-Owners | $208 | $35 |
| USAA | $885 | $149 |
| Vermont Mutual | $962 | $162 |
| Co-Op | $968 | $165 |
| State Farm | $1016 | $171 |
| Concord Group | $1348 | $229 |
Car insurance rates in Vermont have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average full coverage insurance cost in the Vermont remained steady at $140 in both Feb and Jan, indicating no change over the two-month period.
The average liability insurance cost in the Vermont remained steady at $140 in both Feb and Jan, indicating no change over the two-month period.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Union Mutual gives you the cheapest car insurance rate after an at-fault accident in Vermont at $14/month. On the other hand Concord is the most expensive option at $219/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Union Mutual | $83 | $14 |
| American Family | $160 | $27 |
| Auto-Owners | $220 | $37 |
| State Farm | $368 | $62 |
| USAA | $404 | $68 |
| Vermont Mutual | $505 | $85 |
| Co-Op | $659 | $110 |
If you are living in Vermont you should opt for Union Mutual. Union Mutual ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Vermont, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Vermont may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Vermont after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $647 | $108 |
| One comp claim | $647 | $110 |
| One Med/PIP claim | $647 | $108 |
| Two Med/PIP claims | $653 | $111 |
| Not-at-fault accident | $659 | $110 |
| Two comp claims | $671 | $114 |
| At-fault accident - less than $1000 | $695 | $116 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Vermont is American Family at $39 per month. Vermont Mutual at $353 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $232 | $39 |
| Auto-Owners | $249 | $42 |
| Progressive | $499 | $84 |
| State Farm | $558 | $94 |
| USAA | $707 | $119 |
| Concord Group | $713 | $120 |
| Co-Op | $719 | $120 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Essex Junction | $665 | $112 |
| South Burlington | $665 | $112 |
| Burlington | $671 | $113 |
| Rutland | $683 | $115 |
| Bennington | $707 | $119 |
| Barre | $719 | $122 |
| Montpelier | $719 | $120 |
| Winooski | $719 | $122 |
| East Montpelier | $725 | $121 |
| Colchester | $731 | $124 |
| East Barre | $731 | $122 |
| Grand Isle | $731 | $124 |
