Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

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

Updated Nov 15, 2022
Pay less for auto insurance
A better rate is around the corner. See how much you could save in 3 minutes or less.
Location-Icon Created with Sketch.
Lock Secure Your information is secure
Compare quotes from reliable carriers
+ MORE
User
Provide some info to get offers
We only ask for info that can impact your rate so we can share accurate and personalized offers.
Insurance Auto
Select your policy
Compare and move forward with as many offers as you want from a list of trusted carriers.
Congrats
Settle your rate and policy details
Once you’ve decided on a carrier, wrap up the process online or on the phone with a trusted agent. 

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.

Compare rates and save on auto insurance today!

Close X

How much does car insurance cost in Vermont

Many things can influence the cost of a car insurance premium. Specifically, Vermont auto insurance rates are impacted by its state requirements for minimum coverage and other factors like car make and model, age of drivers insured, driving records, drivers’ genders and specific ZIP codes. Other factors include a driver’s:
  • Marital status
  • Deductible
  • Credit score
  • Coverage types
Every driver has a unique premium, but the state average in Vermont is $1,207 per year for full coverage and $292 per year for minimum coverage. Both amounts are significantly cheaper than the current national averages for full and minimum coverage. Across the United States, Americans pay an average of $1,674 per year for full coverage and $565 per year for minimum coverage.
 

Vermont car insurance rates by company

Vermont auto insurance rates will largely depend on which company you are insured with. As shown in the different rates below, it is almost always worth your time and effort to shop around and get quotes from multiple providers because sometimes the cost difference is significant. The good news is that in Vermont some of the cheapest companies are often also the best.
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

Below are the top 20 most populated cities in Vermont and the average amounts drivers pay for full coverage. The percentage difference is how the city average compares to the state average for full coverage, which is $1,207 annually. Many Vermont cities have slightly more affordable car insurance premiums than is average for the state.
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

A driver’s age heavily influences the average cost of car insurance in Vermont. The younger you are, the more likely you are to pay more. However, with a clean driving record, most people will see their rates start to go down by their 30s.
AGE Average annual premium in Vermont
Age 16 $2,401
Age 18 $4,158
Age 20 $3,540
Age 25 $1,413
Age 30 $1,179
Age 40 $1,138
Age 50 $994
Age 60 $967
Age 70 $1,083
*16 year old calculated on parent’s policy disclosure

 

Vermont car insurance rates by driving record

Although Vermont’s average cost insurance rate is $1,207 for full coverage, you typically pay more if you have a violation 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.
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

Vermont car insurance rates are low compared to other states, but they could be even lower with the right steps. Here are our top five ways to save on car insurance:
 
  1. 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.
  2. 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.
  3. 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.
  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 could find 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 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.

Written by
Lauren Ward
Insurance Contributor

Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, life insurance, and other topics in the personal finance industry.