Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Average cost of car insurance in Vermont
The average annual Vermont car insurance rates are $1,207 for full coverage and $292 for minimum coverage. Many variables influence what drivers pay for auto insurance besides a car’s make and model, but among all of the data points, age, driving history, zip code and chosen provider seem to play the biggest roles.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much does car insurance cost in Vermont
- Marital status
- Deductible
- Credit score
- Coverage types
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Vermont car insurance rates by company
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| Allstate | $447 | $1,893 |
| Geico | $211 | $968 |
| MetLife | $507 | $1,696 |
| Nationwide | $337 | $984 |
| State Farm | $366 | $1,129 |
| Union Mutual | $122 | $1,488 |
| USAA | $195 | $807 |
Vermont car insurance rates by city
| City | Average annual premium for full coverage | % difference from state average annual premium |
|---|---|---|
| Burlington | $1,131 | -6% |
| Rutland | $1,179 | -2% |
| Essex Junction | $1,111 | -8% |
| South Burlington | $1,114 | -8% |
| Brattleboro | $1,205 | 0% |
| Barre | $1,206 | 0% |
| Colchester | $1,148 | -5% |
| St. Albans | $1,185 | -2% |
| Bennington | $1,207 | 0% |
| Montpelier | $1,200 | -1% |
| Milton | $1,183 | -2% |
| Middlebury | $1,181 | -2% |
| St. Johnsbury | $1,218 | 1% |
| Springfield | $1,210 | 0% |
| Williston | $1,159 | -4% |
| Lyndonville | $1,222 | 1% |
| Newport | $1,226 | 2% |
| Swanton | $1,189 | -1% |
| White River Junction | $1,212 | 0% |
| Winooski | $1,119 | -7% |
Vermont car insurance rates by age
Vermont car insurance rates by driving record
| Driving incident | Average annual full coverage premium in Vermont | % increase of average annual premium |
|---|---|---|
| Speeding ticket | $1,403 | 15% |
| Accident | $1,593 | 28% |
| DUI | $2,839 | 81% |
How to save on car insurance in Vermont
- Shop around: When it comes to insurance, shopping around is recommended because you will get different quotes from similar providers. Sometimes the difference is small, but sometimes it is a lot. Nevertheless, this is usually the first step to getting cheaper car insurance. Don’t worry about switching providers because doing is relatively easy.
- Compare discounts: Discounts are not the same across providers, making the odds that you will save a different amount with the same discount high. The difficult part may be figuring out just how much you will save because most providers do not make this information readily accessible for each discount. You will need to speak with an agent to get the bottom line. Do this step at the same time as step 1 to save yourself time.
- Increase your deductible: The higher your deductible is, the less you will pay each month for car insurance. However, you will also receive less after an accident claim because of this. You can compare different deductible options to see if a lower deductible offers meaningful savings and choose a deductible amount that fits your budget and comfort level.
- Drive an older car: New cars typically cost more to insure because they have more expensive parts and labor costs. An older car may save you money, but it depends on the car. Consider finding one that is reliable and has a high safety rating. To save even more, you could find a car that also pairs with qualifying vehicle discounts.
- Increase your credit score: In Vermont, it is legal for car insurance companies to increase your premium because of a low credit score. Insurance companies do this because drivers with low credit scores are statistically more likely to file a claim than drivers with strong credit scores. With an improved credit score, your premium will often reduce as a result.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.