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Average cost of car insurance in Vermont

The average annual cost of car insurance in Vermont is $238 for minimum coverage and $1,061 for full coverage.

Updated Mar 20, 2023
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How much is car insurance in Vermont?

Vermont car insurance averages $1,061 for full coverage and $238 for minimum coverage per year. These rates are 47 percent and 62 percent cheaper than the national average of $2,014 and $622, respectively.  Rates can vary widely by personal factors, which can include age, marital status, credit score, driving record and claims history. The company you choose, your coverage choices, limits and deductibles also factor into auto insurance premiums.

Average minimum coverage premium in Vermont Average annual full coverage premium in Vermont
$238 $1,061
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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.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Insurance Disclosure

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 city 

While Vermont rates are far below the national average, some cities have higher average rates than others. We compared average rates for five of the largest Vermont cities to show how rates may differ. For instance, drivers living in Bennington pay around 1 percent more than the state average, but if you live in Burlington, you save about 7 percent. Characteristics like population density, crime statistics, weather and repair costs help determine rates by city.

Vermont city Average annual full coverage premium Percentage change from Vermont average annual full coverage premium
Bennington $1,072 1%
Burlington $992 -7%
Colchester $1,038 -2%
Rutland $1,039 -2%
South Burlington $977 -8%

Average car insurance costs by age and gender in Vermont

Although some states exclude age and gender as factors in car insurance rating, Vermont is not one of them. Young drivers typically pay more than older drivers, with rates usually dropping after age 25. Generally, rates for females are lower than for males, and in Vermont, rates may be lowest for drivers from ages 50 to 70. Gender tables reflect rates for drivers on their own policy, but rates for 16-year-olds are for drivers on their parents' policy.

Age Average monthly full coverage premium in Vermont Average annual full coverage premium in Vermont
Age 16* $248 $2,978
Age 18 $339 $4,070
Age 20 $274 $3,293
Age 25 $123 $1,471
Age 30 $94 $1,129
Age 40 $90 $1,078
Age 50 $79 $946
Age 60 $77 $920
Age 70 $85 $1,015

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age Average monthly full coverage premium in Vermont Average annual full coverage premium in Vermont
Age 16* $214 $2,567
Age 18 $276 $3,311
Age 20 $223 $2,679
Age 25 $102 $1,218
Age 30 $90 $1,082
Age 40 $97 $1,044
Age 50 $78 $933
Age 60 $76 $910
Age 70 $84 $1,010

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Cost considerations for young drivers in Vermont  

While 16- and 17-year-old drivers usually must be on their parents’ policy, drivers 18 and older can choose to be on their own. This choice often comes at a cost, as you can see in the table below. An 18-year-old driver could save around 36 percent being listed on their parents’ policy rather than their own. Note that some companies may require you to live in the same home as your parents to be listed on their policy.

Age Average annual premium for drivers on their parents' policy in Vermont Average annual premium for drivers on their own policy in Vermont
Age 16 $2,773 N/A*
Age 17 $2,602 N/A*
Age 18 $2,350 $3,690
Age 19 $2,135 $3,169
Age 20 $2,070 $2,986

*16- and 17-year-old drivers must be on their parents’ policy.

How does driving record impact the cost of car insurance in Vermont?

Although Vermont’s average insurance rate is $1,061 for full coverage, you typically pay more if you have a ticket or accident on your record. Below are the average amounts drivers pay with one speeding ticket, accident or DUI in their driving history. If you have more than one, or a combination of violations, you will likely pay more for car insurance and may need to look into high-risk car insurance options.

Driving incident Average annual full coverage premium in Vermont Percentage increase from Vermont average annual full coverage premium
Clean driving record $1,061 N/A
Speeding ticket $1,192 12%
Accident $1,363 28%
DUI $2,192 107%

Car insurance rates in Vermont by credit score

Vermont car insurance rates may also vary based on your credit score, though this is not a factor in some other states. Drivers with an average credit score could see rates around 10 percent higher than the Vermont average, while having an excellent credit score could save you around 11 percent. It might pay to improve your credit score, since drivers with poor credit pay an average of 72 percent more for car insurance in the Green Mountain State.

Credit tier Average annual full coverage premium in Vermont Percentage change from Vermont average annual full coverage premium
Poor $1,822 72%
Average $1,166 10%
Good $1,061 N/A
Excellent $949 -11%

Vermont car insurance rates by vehicle type

Car insurance rates may vary greatly based on the value and age of your vehicle. Choosing the right make and model could get you cheap car insurance in Vermont. Luxury vehicles or those with high repair costs typically are more expensive to insure.

Vehicle Average annual full coverage premium in Vermont
Toyota Camry $1,061
Ford F-150 $870
Honda Odyssey $898
BMW 330i $1,330
Toyota Prius $1,051

How to save on car insurance in Vermont

Vermont car insurance rates are low compared to other states, but your rates might be even lower with the right steps. Here are our top five ways to save on car insurance:

  1. Shop around: If you want to find the cheapest car insurance, most insurance professionals recommend comparing quotes for the same coverage levels from various carriers. This may help you see who can offer you the lowest rates for your circumstances. 
  2. Compare discounts: Most carriers offer at least a handful of discounts to help drivers save. Looking for discounts which you may be eligible for could help you choose the cheapest auto insurance company. Common discounts to look for include safe driver, paid-in-full, good student and bundling. 
  3. Increase your deductible: The higher your deductible is, the less you will typically pay each month for car insurance. 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.
  4. 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 might look for a car that also pairs with qualifying vehicle discounts.
  5. 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 decrease.

Estimate your car insurance cost in Vermont

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Written by
Mandy Sleight
Contributor, Personal Finance

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

Edited by Editor, Insurance