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Best car insurance in Vermont for 2023

Updated Apr 17, 2023
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Best car insurance companies in Vermont

Vermont drivers pay an average rate of $238 per year for the state-mandated minimum coverage car insurance and $1,061 per year on average for full coverage car insurance, which includes collision and comprehensive coverage.

Bankrate uses a multi-step process to help find you the best auto insurance in Vermont. In addition to analyzing average rate data from Quadrant, we also weigh independent rating agencies, including J.D. Power, AM Best and Moody’s, to approximate carriers’ financial strength and customer satisfaction. We give each company a Bankrate Score, which is generated through careful analysis across the following categories: customer experience, average quoted rates, online resources, mobile app accessibility, financial stability and policy management options. What we determined was that the best car insurance companies in Vermont include Geico, USAA, State Farm, Nationwide and Allstate.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
827
/1,000
Average monthly full coverage premium
$80
Average annual full coverage premium
$963
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (New England)
884
/1,000
Average monthly full coverage premium
$75
Average annual full coverage premium
$895
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England)
838
/1,000
Average monthly full coverage premium
$70
Average annual full coverage premium
$836
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (New England)
Not rated
Average monthly full coverage premium
$76
Average annual full coverage premium
$906
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (New England)
787
/1,000
Average monthly full coverage premium
$203
Average annual full coverage premium
$2,436
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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.

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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
827
/1,000
Average monthly minimum coverage premium
$17
Average annual minimum coverage premium
$201
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (New England)
884
/1,000
Average monthly minimum coverage premium
$15
Average annual minimum coverage premium
$183
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England)
838
/1,000
Average monthly minimum coverage premium
$17
Average annual minimum coverage premium
$208
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (New England)
Not rated
Average monthly minimum coverage premium
$33
Average annual minimum coverage premium
$391
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (New England)
787
/1,000
Average monthly minimum coverage premium
$31
Average annual minimum coverage premium
$370
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
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.

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.

Advertising Disclosure
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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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.

Best for low average rates

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 827/1,000 AM Best: A++

Average annual premium

$ 963 for full coverage
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Why Geico made our list: Geico earned the highest Bankrate score of any on our list, and it is one of the cheapest car companies in Vermont with several discounts to lower rates even more. Good students, good drivers, federal employees, military service members and many more may qualify for one of Geico’s many deals. The company also offers several add-ons, such as car insurance for driving your vehicle in Mexico and coverage for special vehicles like RV insurance, motorcycle insurance, boat insurance and commercial vehicle insurance.

Who Geico may be good for: Geico may be a good option for young drivers or those who are working with a tight budget, thanks to the company's low average rates. Other factors, like discounts, add-on coverage options and a user-friendly website, also help set it apart from the competition. 

Learn more: Geico Insurance review

Best for unique military discount opportunities

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 884/1,000 AM Best: A++

Average annual premium

$ 895 for full coverage
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Why USAA made our list: USAA received a high Bankrate Score and topped the J.D. Power charts for providing excellent service to its customers. However, the company only services active-duty military and veteran members and their families, so you may want to make sure you qualify before exploring coverage options. USAA’s coverage is extensive and has options for key protections like accident forgiveness, roadside assistance and rental car insurance. The carrier offers some of the lowest car insurance rates on the market and consistently receives top ratings for customer satisfaction across the nation.

Who USAA may be good for: Drivers who can qualify for membership with USAA and are looking for an insurance company created with the military in mind may benefit from considering this company. It offers military-specific discounts and affordable coverage options, as well as highly-rated customer service to its customers. 

Learn more: USAA Insurance review

Best for bundling

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 838/1,000 AM Best: A++

Average annual premium

$ 836 for full coverage
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Why State Farm made our list: State Farm’s high Bankrate Score reflects its above-average customer satisfaction. The company offers robust car insurance policies with the option to bundle homeowners insurance or renters insurance, to help lower your premium costs. State Farm also has additional programs to save, such as its Drive Safe & Save, Steer Clear and Good Student Rewards. The company’s extensive network of local agents are available to help customers and its excellent mobile tools make filing and tracking claims easy and simple.

Who State Farm may be good for: With a hefty bundling discount, State Farm may be a good choice to consider for drivers who want to bundle their policies to save money on their insurance costs. That, coupled with other factors, like its above-average customer satisfaction score and its unique savings programs, allow it to stand out as one of the best car insurance companies in Vermont.

Learn more: State Farm Insurance review

Best for add-on coverage options

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: Not rated AM Best: A+

Average annual premium

$ 906 for full coverage
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Why Nationwide made our list: Bankrate gives Nationwide a 3.9 out of 5-star rating for its diverse coverage options and reputable customer service. Nationwide’s extensive market share gives it the resources to offer varied options like rental car expense coverage, gap insurance and roadside assistance. The company also offers innovative discounts including its SmartMiles program, which allows customers to pay based on the distance they drive their vehicle, and SmartRide, a telematics program that monitors a customer’s driving in real-time and awards generous discounts for good driving.

Who Nationwide may be good for: Drivers who want to customize their policy or have certain requirements for their insurance may want to consider Nationwide during their search for car insurance. Additionally, the company’s diverse coverage options and endorsements allow drivers to create a policy that works for their needs.

Learn more: Nationwide Insurance review

Best for personalizing your policy

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 787/1,000 AM Best: A+

Average annual premium

$ 2,436 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Allstate made our list: Customers tend to appreciate Allstate for its wide array of coverage options like sound system insurance, roadside assistance, personal injury protection (PIP) and rental car insurance. Customers may save significantly with exclusive savings programs like the Allstate eSmart discount, EZ pay plan discount, FullPay discount and the safe driving club. Additionally, Allstate’s local agents are available to help you tweak your policy or manage a claim.

Who Allstate may be good for: Allstate may be an option worth considering for drivers who like to have a range of coverage options for personalizing their policies. The company offers a long list of discounts as well as some less common coverage types that allow drivers to shape their policies to their needs.

Learn more: Allstate Insurance review

How Bankrate chose the best car insurance companies in Vermont

Bankrate weighs multiple factors in order to determine the best auto insurance companies in Vermont. Average rates are one factor, but are not the only variable. Our insurance editorial team also looks at third-party rankings and ratings for financial health and customer service, along with coverage options, discount opportunities, online tools and other factors, to offer useful insights to Vermont drivers and help them make the most informed decisions for their insurance needs. 

How much is car insurance in Vermont?

Vermont drivers pay an average of $1,061 per year for full coverage car insurance and $238 per year for minimum coverage. This is considerably less than the national average cost of car insurance, which is $2,014 per year for full coverage and $622 per year for minimum coverage. It's also less than what some neighboring states pay. In the nearby state of New Hampshire, for example, the average cost of car insurance is $1,262 per year for full coverage car insurance and $319 per year for minimum coverage. The average driver in the neighboring state of Massachusetts pays $1,262 per year for full coverage and $429 per year for minimum coverage.

The lower average cost of car insurance may be due, in part, to the fact that Vermont is home to just 564,894 licensed drivers and its roads and bridges are in good condition, two factors that help make insurance premiums in the state especially cheap. The state is also largely rural with few congested urban areas where accidents are typically more frequent. That means insurance companies take on less risk overall when insuring Vermont drivers, leading to lower average rates for policyholders in the state.

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

How to find the best car insurance in Vermont

Finding the best auto insurance in Vermont may take some time and research, but having the right car insurance policy in place can protect you from significant financial losses if you are involved in a costly at-fault accident. If you’re looking for the best car insurance policy as a driver in Vermont, it may be helpful to:

Consider minimum insurance requirements in Vermont

Like most states, Vermont car insurance laws state that drivers must carry a certain amount of liability insurance. The Green Mountain State requires drivers to carry at least 25/50/10 insurance. A 25/50/10 policy covers:

  • $25,000 per person in bodily injury liability
  • $50,000 per accident in bodily injury liability
  • $10,000 in property damage liability

Uninsured/underinsured coverage is also mandatory with $50,000 motorist bodily injury per person, $100,000 for bodily injury per crash and $10,000 motorist property damage per crash. The state offers a conditional opt-out policy to help people save.

Consider lender requirements

While minimum coverage insurance is often cheap, some drivers may benefit from higher coverage policies. Full coverage insurance may protect your finances more fully in the event of a collision. If you are leasing or financing a car, typically the company will require you to purchase full coverage insurance to ensure that the car can be repaired or replaced in the event of an accident.

Consider your individual needs

Your own needs are also important to consider when shopping for car insurance policies. It may be helpful to weigh whether it’s important for you to save money, find a company with excellent customer service, a robust suite of digital tools or another factor entirely. By knowing what you need and want from a car insurance company, you may have an easier time narrowing down the options and finding the best fit for you. For example, if you have a teen driver or senior driver on your policy, you may want to focus on companies that offer discounts to these age groups. Or, if you're a safe driver, it may benefit you to consider a company with a telematics program that could help cut down on the costs of your policy. 

Frequently asked questions

Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Editor, Credit Cards
Reviewed by Director of corporate communications, Insurance Information Institute