Cheapest Auto Insurance Quotes in Vermont (2026)
Co-Op has the cheapest car insurance in Vermont, at $83 per month for full coverage.
Find Cheap Car Insurance Quotes in Vermont
Best cheap Vermont car insurance
Co-Op and State Farm are the cheapest companies for most people in Vermont.
- Want full coverage? Co-Op: $83/mo
- Only need minimum coverage? Co-Op: $19/mo
- Want the best service? State Farm: $92/mo
- Have a speeding ticket? State Farm: $97/mo
- Caused an accident? State Farm: $105/mo
- Need coverage for a teen? Co-Op: $40/mo
- Got a DUI? Co-Op: $121/mo
- Have poor credit? Co-Op: $168/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage insurance in VT: Co-Op
Co-Op and USAA have the most affordable full coverage car insurance in Vermont.
- Co-Op charges an average of $83 per month for full coverage, which is 35% cheaper than the Vermont average.
- State Farm is another cheap option, at $92 per month, and it gives you the backing of a national company.
- USAA is also a great choice for Vermont drivers with military ties, at $84 per month. However, only military members, veterans and some of their family members can buy insurance from USAA.
Find Cheap Car Insurance Quotes in Vermont
Best cheap full coverage auto insurance in VT
Company | Monthly rate |
|---|---|
| Co-Op | $83 |
| State Farm | $92 |
| Progressive | $123 |
| Vermont Mutual | $131 |
| USAA* | $84 |
*USAA is only available to current and former military members and their families.
Data-powered research on Vermont car insurance
Cheapest liability-only car insurance in VT: Co-Op
- Co-Op has the cheapest average minimum liability insurance in Vermont, at only $19 per month. That's $21 per month less than the Vermont state average for a liability-only policy, which is $40 per month.
- USAA also offers cheap rates to drivers with military ties, at just $24 per month.
Best minimum liability auto insurance rates in Vermont
Company | Monthly rate |
|---|---|
| Co-Op | $19 |
| State Farm | $27 |
| Allstate | $42 |
| Vermont Mutual | $42 |
| USAA* | $24 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Vermont
Average Vermont car insurance rates by city
- Co-Op has the cheapest full coverage insurance in most cities and towns across Vermont, including Burlington. State Farm has the cheapest rates in 5% of Vermont towns, many of which are around Middlebury and the Champlain Valley.
- South Burlington has the cheapest car insurance rates in Vermont. Full coverage in South Burlington, a suburb of Burlington, costs $120 per month, on average.
- Taftsville, a historic village near Woodstock, has the highest rates, averaging $131 per month.
Average full coverage insurance quotes in Vermont by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Burlington | $121 | Co-Op | $75 |
| South Burlington | $120 | Co-Op | $75 |
| Adamant | $128 | Co-Op | $83 |
| Albany | $128 | Co-Op | $83 |
| Alburgh | $124 | Co-Op | $84 |
| Arlington | $127 | Co-Op | $84 |
| Ascutney | $126 | Co-Op | $83 |
| Averill | $128 | Co-Op | $83 |
| Bakersfield | $125 | Co-Op | $84 |
| Barnet | $128 | Co-Op | $83 |
| Barre | $121 | Co-Op | $77 |
| Barton | $128 | Co-Op | $83 |
| Beebe Plain | $128 | Co-Op | $83 |
| Beecher Falls | $127 | Co-Op | $83 |
| Bellows Falls | $125 | Co-Op | $83 |
| Belmont | $129 | Co-Op | $84 |
| Belvidere Center | $130 | Co-Op | $83 |
| Bennington | $128 | Co-Op | $84 |
| Benson | $126 | Co-Op | $84 |
| Bethel | $128 | Co-Op | $83 |
| Bomoseen | $128 | Co-Op | $84 |
| Bondville | $129 | Co-Op | $84 |
| Bradford | $128 | Co-Op | $83 |
| Brandon | $126 | Co-Op | $84 |
| Brattleboro | $125 | Co-Op | $83 |
| Bridgewater | $129 | Co-Op | $83 |
| Bridgewater Corners | $128 | Co-Op | $83 |
| Bridport | $124 | State Farm | $83 |
| Bristol | $127 | State Farm | $84 |
| Brookfield | $128 | Co-Op | $83 |
| Brownsville | $124 | Co-Op | $83 |
| Cabot | $129 | Co-Op | $83 |
| Calais | $129 | Co-Op | $83 |
| Cambridge | $126 | Co-Op | $84 |
| Cambridgeport | $125 | Co-Op | $83 |
| Canaan | $129 | Co-Op | $83 |
| Castleton | $126 | Co-Op | $84 |
| Cavendish | $127 | Co-Op | $83 |
| Center Rutland | $125 | Co-Op | $74 |
| Charlotte | $125 | Co-Op | $84 |
| Chelsea | $124 | Co-Op | $83 |
| Chester | $124 | Co-Op | $83 |
| Chittenden | $128 | Co-Op | $84 |
| Colchester | $123 | Co-Op | $75 |
| Concord | $127 | Co-Op | $83 |
| Corinth | $127 | Co-Op | $83 |
| Craftsbury | $127 | Co-Op | $83 |
| Craftsbury Common | $127 | Co-Op | $83 |
| Cuttingsville | $130 | Co-Op | $84 |
| Danby | $129 | Co-Op | $84 |
| Danville | $126 | Co-Op | $83 |
| Derby | $128 | Co-Op | $83 |
Find Cheap Car Insurance Quotes in Vermont
Best car insurance in Vermont: State Farm
-
Full coverage rate$92/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
-
Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
-
AM Best ratingA++An A++ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Vermont based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Vermont
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest VT car insurance after a speeding ticket: State Farm
State Farm has the best quotes for Vermont drivers with a recent speeding ticket. A full coverage policy costs an average of $97 per month, which is 37% less than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $97 |
| Co-Op | $100 |
| Progressive | $159 |
| Vermont Mutual | $163 |
| USAA* | $96 |
*USAA is only available to current and former military members and their families.
Vermont drivers could see their rates go up by 21% after a single speeding ticket. That's an average increase of $27 per month for a full coverage policy.
Cheapest insurance in Vermont after an accident: State Farm
State Farm offers the cheapest full coverage car insurance quotes in Vermont after an at-fault accident. Its average rate is $105 per month, which is close to half the state average of $195 per month.
Company | Monthly rate |
|---|---|
| State Farm | $105 |
| Co-Op | $111 |
| Vermont Mutual | $163 |
| Progressive | $185 |
| USAA* | $117 |
*USAA is only available to current and former military members and their families.
Drivers in Vermont pay an average of $67 more per month for full coverage after an accident than drivers with a clean record. That's an increase of 52%.
You don't have to worry about switching car insurance companies right after your crash. Your rates won't go up until your current policy expires. But any new quotes you get will include your accident, so they'll probably be more expensive than your current rates.
Instead, wait until you get your renewal offer from your current company. You'll typically get this a few weeks to a month before your policy expires. Then, shop around for quotes from multiple companies to find the best rate for you.
Cheap car insurance in Vermont for teens: Co-Op
Co-Op has the cheapest rates for young drivers in Vermont.
- A minimum liability policy from Co-Op costs an average of $40 per month for an 18-year-old driver. That's $69 per month less than the Vermont average for teens.
- Co-Op also has the cheapest full coverage quotes for young drivers in Vermont, at $163 per month.
- Teens who can get USAA can get affordable rates and military-specific coverage. Minimum liability coverage from USAA costs just $61 per month, while full coverage costs around $200 per month.
Best insurance companies in Vermont for teens
Company | Liability only | Full coverage |
|---|---|---|
| Co-Op | $40 | $163 |
| Allstate | $84 | $530 |
| State Farm | $88 | $284 |
| Vermont Mutual | $95 | $308 |
| USAA | $61 | $200 |
USAA is only available to current and former military members and their families.
In Vermont, 18-year-old drivers pay close to three times more for car insurance than 30-year-old drivers, on average. That's because young drivers typically have only a few years of driving experience, which means they're more likely to make a mistake and cause a crash.
The best way for younger drivers to save money on their insurance is by sharing a policy with a parent or older relative. A shared policy typically costs much less than two separate policies, and you can often qualify for a multicar discount.
In addition, many insurance companies have discounts geared toward young drivers. For example, State Farm's Steer Clear program offers a discount to young drivers who complete online safety courses and practice driving with an older mentor.
Best VT auto insurance for teens after a speeding ticket or accident: Co-Op
Co-Op has the cheapest rates in Vermont for teens with a bad driving record.
- Speeding ticket: A minimum liability policy from Co-Op costs an average of $48 per month for an 18-year-old with one speeding ticket. That's $75 per month less than the Vermont average.
- Accident: Minimum coverage from Co-Op costs $59 per month after an at-fault accident. That's $83 per month cheaper than the Vermont average for teens.
Cheap Vermont insurance for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Co-Op | $48 | $59 |
| State Farm | $94 | $103 |
| Allstate | $94 | $156 |
| Vermont Mutual | $105 | $105 |
| USAA* | $87 | $113 |
*USAA is only available to current and former military members and their families.
Young drivers could see a 13% increase in their insurance quotes after a single speeding ticket. And teens pay an average of 30% more for insurance after an at-fault accident in Vermont. This is a smaller increase than adults typically see after a ticket or accident because teen drivers are already considered riskier on the road, even with a clean record.
Cheap car insurance in VT after a DUI: Co-Op
Co-Op offers the most affordable full coverage insurance for Vermont drivers with a DUI. At an average of $121 per month, full coverage from Co-Op is less than half the state average of $259 per month.
Cheapest Vermont auto insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Co-Op | $121 |
| Progressive | $140 |
| State Farm | $196 |
| Concord | $243 |
| USAA* | $171 |
*USAA is only available to current and former military members and their families.
Car insurance rates in Vermont could double after a DUI. That's because insurance companies believe drivers with a DUI are more likely to cause an accident in the future.
In addition, you may need an SR-22 insurance filing after a DUI, which proves your insurance meets the state requirements.
Best VT auto insurance for drivers with poor credit: Co-Op
- Co-Op offers the cheapest quotes for Vermont drivers with a poor credit score. Full coverage from Co-Op costs an average of $168 per month, which is $72 per month cheaper than the Vermont average.
- Geico is also a good choice for drivers with bad credit because it has a more established customer service reputation than Co-Op. Reliable customer service could be important if you're in an accident in the future.
Cheap auto insurance in Vermont for drivers with poor credit
Company | Monthly rate |
|---|---|
| Co-Op | $168 |
| Geico | $206 |
| Progressive | $213 |
| Nationwide | $220 |
| USAA* | $165 |
*USAA is only available to current and former military members and their families.
Vermont drivers with bad credit pay nearly twice as much for car insurance as those with good credit. That's because car insurance companies believe these drivers are more likely to file insurance claims.
Is your car insurance company raising rates in Vermont in 2026?
Only one major company, American Family, has meaningfully increased its car insurance rates in Vermont in 2026. A couple of companies have lowered their rates statewide.
- ↑ Biggest increase: American Family at +4.4%
- ↓ Biggest decrease: State Farm at -9.5%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| State Farm | ↓ 9.5% | ↑ 29.4% |
| Travelers | ↓ 2.9% | ↑ 20.9% |
| Vermont Mutual | 0.0% | ↑ 11.6% |
| USAA | 0.0% | ↑ 12.0% |
| Geico | 0.0% | ↑ 30.4% |
| Progressive | 0.0% | ↑ 35.0% |
| Co-Op | 0.0% | ↑ 37.4% |
| Liberty Mutual | 0.0% | ↑ 52.7% |
| Auto-Owners | 0.0% | ↑ 84.4% |
| Allstate | ↑ 0.1% | ↓ 0.2% |
| American Family | ↑ 4.4% | ↑ 67.4% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
Vermont car insurance requirements
Vermont 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 in an accident with a driver who doesn't have insurance or whose policy doesn't have enough coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $10,000 per accident
You can also self-insure, meaning you can prove to the state you have at least $115,000 available to pay for damage or injuries you cause in a crash.
Driving without insurance or other evidence of financial responsibility is prohibited on the streets and highways of Vermont. Doing so typically comes with a fine of up to $500 plus license suspension. Even with insurance, being caught driving without proof of that insurance costs up to $100.
Potential fines and penalties for driving without insurance in Vermont- Driving uninsured: $500
- Driving without proof of insurance: $100
- Driving privileges: License suspension until proof of insurance is provided
- Other penalties: Must have an SR-22 certificate for three years
What's the best car insurance coverage for VT drivers?
Most drivers in Vermont should get full coverage car insurance.
That's because full coverage can have higher liability limits than the state requirement, as well as comprehensive and collision coverage.
Minimum coverage plans may not be enough to cover the cost of damage in an expensive accident. For example, if you crash into and total a brand-new car, $10,000 of property damage liability coverage won't be enough to fully replace it. With a full coverage policy, you can have higher property damage liability limits, so you'll pay less out of pocket after a crash.
In addition, full coverage insurance includes comprehensive and collision coverage.
- Collision coverage pays for damage to your car after a crash, regardless of whose fault it is.
- Comprehensive coverage pays for other types of damage, such as damage from theft, vandalism or extreme weather.
Most lenders require you to have comprehensive and collision coverage if you have a car loan or lease. You should also consider these coverages if your car is less than 8 years old or worth more than $5,000.
Frequently asked questions
Who has the cheapest car insurance in Vermont?
Co-Op has the cheapest auto insurance in Vermont in 2026. It offers full coverage insurance for $83 per month and minimum liability insurance for $19 per month.
What is the average cost of auto insurance in Vermont?
The average cost of car insurance in Vermont is $40 per month for a minimum liability policy, and $128 per month for a full coverage policy.
Who has the best car insurance in Vermont?
USAA is the best insurance company in Vermont because of its affordable quotes and high customer service scores, but you can only sign up if you have certain military ties. State Farm is a great alternative for drivers who aren't eligible for USAA.
Is Co-Op cheaper than State Farm?
Yes, Co-Op has cheaper rates than State Farm in Vermont. Co-Op's average full coverage rate is $83 per month, compared to $92 per month for State Farm. Those are two of the cheapest options for car insurance in Vermont.
Is car insurance expensive in Vermont?
Vermont is the second-cheapest state for minimum coverage insurance and the third-cheapest for full coverage. One reason car insurance is so cheap in Vermont is that it's one of the least-populated states in the country, which means less traffic congestion and fewer accidents. It also has a low percentage of uninsured drivers.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Vermont for the largest insurance companies in the state. Rates are for a 30-year-old man who owns a 2018 Honda Civic EX with good credit.
Rates for a full coverage policy include liability limits above the minimum, plus collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and 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 insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Vermont Department of Financial Regulation. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
