Cheapest Auto Insurance Quotes in Vermont (2023)
Cheapest Auto Insurance Quotes in Vermont (2023)
State Farm has the cheapest car insurance quotes in Vermont, at $19 per month for minimum coverage and $48 per month for full coverage.
Best cheap car insurance in Vermont
To help drivers in Vermont find the best cheap car insurance, our editorial team analyzed quotes from top companies across each ZIP code in the state.
Rates for minimum-coverage policies meet the VT state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, $50,000 in uninsured motorist bodily injury liability coverage per person and $100,000 per accident, along with $10,000 in property damage coverage and uninsured motorist property damage coverage. Quotes for full-coverage insurance include higher liability limits than state minimums along with collision and comprehensive protection.
Additionally, we ranked the best auto insurance companies in Vermont based on customer service ratings, coverage availability, convenience and the cost of coverage for different drivers.
Cheapest car insurance quotes in Vermont: State Farm
State Farm has the cheapest minimum-coverage insurance rates in Vermont. At only $231 per year, or $19 per month, a policy from State Farm is 40% less expensive than the state average.
Active-duty military members, veterans and their families can take advantage of an even cheaper quote from USAA — $211 per year.
Find Cheap Auto Insurance Quotes in Vermont
The average cost of car insurance in Vermont is $385 per year, or $32 per month, for minimum liability.
Cheapest VT car insurance companies
Company | Monthly rate | |
|---|---|---|
| State Farm | $19 |
| Geico | $32 |
| Progressive | $35 |
| Allstate | $36 |
| Concord | $37 |
USAA is only available to current and former military members and their families.
Unlike a full-coverage insurance policy, minimum coverage doesn't include comprehensive and collision coverage. Collision and comprehensive coverage pay for damage after a collision (regardless of who's at fault), theft, vandalism or extreme weather.
Although full coverage can be three times the price of minimum coverage, purchasing lower liability coverage limits and opting out of comprehensive and collision coverage mean you might have to pay out of pocket if you cause an expensive accident.
Cheapest full-coverage car insurance in Vermont: State Farm
State Farm also has the most affordable full-coverage quote in Vermont — $48 per month, which is 48% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $48 |
| Concord | $82 |
| Geico | $91 |
| Progressive | $97 |
| Nationwide | $110 |
USAA is only available to current and former military members and their families.
Cheap car insurance quotes for drivers with prior incidents
State Farm is usually the cheapest insurance company in Vermont after a speeding ticket, accident or DUI.
Accidents and traffic citations almost always significantly increase your auto insurance rates. Drivers with a history of driving under the influence (DUI) or speeding are considered high-risk because they're more likely to be involved in an accident in the future, making them more expensive for insurance companies to cover.
Find Cheap Auto Insurance Quotes in Vermont
Cheapest car insurance in VT after a speeding ticket: State Farm
State Farm has the best quotes for drivers with a recent speeding ticket. A full-coverage policy costs $53 per month — 53% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $53 |
| Concord | $106 |
| Geico | $118 |
| Progressive | $127 |
| Nationwide | $133 |
On average, Vermont drivers can expect a 21% rate increase after a single speeding ticket. However, the rate increase varies depending on your insurance company. While State Farm only increases rates by 9%, drivers insured with Progressive pay 31% more after a ticket.
Cheapest Vermont car insurance after an accident: State Farm
State Farm offers the cheapest full-coverage car insurance quotes to Vermont drivers with an at-fault accident on their driving record. Its average rate is $57 per month, which is 59% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $57 |
| Concord | $124 |
| Progressive | $158 |
| Nationwide | $163 |
| Geico | $173 |
Drivers with an accident history in Vermont pay $568 per year more on average for full-coverage insurance than drivers with a clean record — a 51% increase in rates.
Cheapest VT car insurance after a DUI: State Farm
State Farm offers the most affordable full-coverage insurance for Vermont drivers with a DUI citation, at $53 per month — 67% cheaper than the state average.
DUIs are serious offenses that come with a significant increase in your car insurance cost. On average, insurance quotes in Vermont go up by 76% after a DUI conviction.
Company | Monthly rate |
|---|---|
| State Farm | $53 |
| Progressive | $113 |
| Concord | $138 |
| Allstate | $208 |
| Nationwide | $210 |
Cheapest car insurance for drivers with poor credit: Concord
Concord offers the best quotes for Vermont drivers with a poor credit score. The state average is $152 per month for full coverage, but the average rate from Concord is 22% cheaper, at $118 per month.
Company | Monthly rate |
|---|---|
| Concord | $118 |
| Geico | $130 |
| Nationwide | $150 |
| State Farm | $163 |
| Progressive | $170 |
Car insurance companies typically charge higher rates to drivers with lower credit scores, based on data that suggests these drivers are more likely to file insurance claims.
Cheapest car insurance quotes for young drivers in Vermont: State Farm
State Farm has the cheapest rates for young drivers in Vermont. An 18-year-old driver insured with State Farm pays $60 per month for minimum coverage and $150 for full coverage. Concord is another cheap company for teens, at $72 per month for minimum liability and $152 for full coverage.
Drivers who are eligible for USAA can get even more affordable minimum-coverage rates. At $43 per month, a policy with USAA is $17 per month cheaper than State Farm and $50 per month less than the state average.
Cheapest VT car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $60 | $150 |
| Allstate | $71 | $402 |
| Concord | $72 | $152 |
| Progressive | $112 | $294 |
| Geico | $117 | $345 |
Young drivers typically have only a few years of driving experience under their belts. As a result, drivers in their teens and early 20s tend to pay higher car insurance rates than older drivers.
In Vermont, an 18-year-old driver pays nearly three times as much for car insurance as a 30-year-old driver.
Younger drivers should share a policy with a parent or other older driver, if possible, to get more affordable car insurance rates.
Cheapest car insurance for teen drivers in Vermont after a speeding ticket: State Farm
State Farm has the cheapest car insurance rates in Vermont for teen drivers with a recent speeding ticket. A minimum-coverage policy for an 18-year-old costs $67 per month, which is 37% less than the state average.
Young drivers can expect a 13% increase in their insurance quotes after a single speeding ticket.
Company | Monthly rate |
|---|---|
| State Farm | $67 |
| Allstate | $79 |
| Concord | $93 |
| Progressive | $126 |
| Geico | $136 |
Cheapest car insurance for young drivers after an accident: State Farm
State Farm is the cheapest company in Vermont for 18-year-old drivers after an at-fault accident. A minimum-coverage policy from State Farm is $73 per month — 37% less than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $73 |
| Concord | $107 |
| Allstate | $109 |
| Progressive | $141 |
| Geico | $143 |
On average, young drivers pay 26% more for insurance after an at-fault accident in Vermont. Not all insurers raise rates by the same amount though. Although Nationwide's rates are the most expensive, the company has the lowest rate increase, at 10%. On the other hand, Allstate's quotes go up by 54% after an accident.
Cheapest car insurance for married drivers: State Farm
Married drivers can find the most affordable car insurance quotes from State Farm, where a full-coverage policy costs $48 per month.
Married drivers often get cheaper insurance quotes than unmarried drivers because they are less likely to be involved in an accident. In Vermont, car insurance for married drivers costs 8% less than insurance for single drivers. However, some companies do not have any price difference between their single and married drivers. For instance, married drivers insured by State Farm pay the same rate as single drivers.
Cheapest VT car insurance quotes for married drivers
Company | Monthly rate per car |
|---|---|
| State Farm | $48 |
| Concord | $70 |
| Geico | $86 |
| Progressive | $94 |
| Nationwide | $101 |
Best car insurance companies in Vermont
USAA is the best car insurance company in Vermont.
USAA consistently earns high scores for customer satisfaction and has some of the cheapest rates in Vermont.
Drivers who are not eligible for USAA should consider State Farm and Geico. Both companies also received excellent scores for coverage and support and offer affordable quotes for most Vermont drivers.
Best VT car insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ | |
| Allstate | 824 | A+ |
Average car insurance quotes in Vermont by city
Drivers in Tunbridge pay the cheapest full-coverage car insurance rates in Vermont, while those in Taftsville have the highest quotes.
Where you live can impact your auto insurance rates as much as your driving history. However, car insurance rates in Vermont don't differ significantly from city to city. Drivers in Taftsville pay only $5 more per month, or $60 more per year, than drivers in Tunbridge.
City | Average monthly cost | Percent from average |
|---|---|---|
| Adamant | $91 | -1% |
| Albany | $93 | 1% |
| Alburgh | $91 | -1% |
| Arlington | $93 | 1% |
| Ascutney | $93 | 1% |
Minimum auto insurance requirements in Vermont
Vermont, like most states, requires drivers to have a minimum amount of car insurance. These minimum insurance limits, often listed as 25/50/10, pay for injuries to another driver and damage to their vehicle. They also cover your own bills if you're involved in an accident with a driver who does not have insurance or whose policy doesn't have enough coverage.
Coverage | Limit |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $10,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Uninsured/underinsured motorist property damage | $10,000 per accident |
Vermont drivers should consider higher liability limits, as well as comprehensive and collision coverage. Minimum-coverage plans may not be enough to fully cover the cost of damage in an expensive accident or pay to repair any damage to your car.
Frequently asked questions
Who has the cheapest car insurance in Vermont?
State Farm has the cheapest auto insurance in Vermont. The company offers minimum-coverage insurance for $19 per month and full-coverage insurance for $48 per month.
What is the average cost of car insurance in Vermont?
The average cost of car insurance in Vermont is $32 per month, or $385 per year, for a minimum-coverage policy. The average cost for a full-coverage policy is $92 per month, or $1,104 per year.
Who has the best car insurance in Vermont?
USAA is the best insurance company in Vermont based on its affordable quotes and consistently high customer service scores. State Farm is a great alternative for drivers who aren't eligible for USAA.
Is car insurance expensive in Vermont?
Car insurance in Vermont is not expensive compared to the rest of the country. Vermont is the cheapest state for a minimum-coverage policy, with an average rate of $32 per month. One reason car insurance is so cheap in Vermont is that the state has few major cities and a low percentage of uninsured drivers.
How much is car insurance in Burlington?
Drivers in Burlington pay $92 per month for full-coverage auto insurance, on average. South Burlington drivers pay slightly less for car insurance — $90 per month.
Methodology
We collected thousands of rates from ZIP codes across Vermont for the largest insurance companies in the state. Unless otherwise noted, rates are for a 30-year-old man who drives a 2015 Honda Civic EX with good credit.
Rates are for a full-coverage policy unless otherwise noted and include liability limits above the minimum, plus collision and comprehensive coverage:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Uninsured/underinsured motorist property damage | $10,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.