Cheapest Auto Insurance Quotes in Vermont (2025)
State Farm has the best cheap car insurance in Vermont, at $60 per month for full coverage.
Find Cheap Auto Insurance Quotes in Vermont
Best cheap Vermont car insurance
How we chose the top companies
Best and cheapest car insurance in Vermont
- Cheapest full coverage: State Farm, $60/mo
- Cheapest minimum liability: State Farm, $21/mo
- Cheapest for young drivers: State Farm, $66/mo
- Cheapest after a ticket: State Farm, $63/mo
- Cheapest after an accident: State Farm, $68/mo
- Cheapest for teens after a ticket: State Farm, $64/mo State Farm, $70/mo
- Cheapest after a DUI: Progressive, $115/mo
- Cheapest for poor credit: Progressive, $176/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm has the best mix of great customer service and cheap rates. It's much cheaper than other companies in Vermont, and you can easily compare rates online.
Cheapest Vermont auto insurance: State Farm
State Farm has the most affordable full coverage car insurance in Vermont.
Full coverage from State Farm costs $60 per month, which is $47 per month cheaper than the state average.
Find Cheap Auto Insurance Quotes in Vermont
The average cost of car insurance in Vermont is $107 per month for full coverage. That makes Vermont the third-cheapest state in the country for full coverage insurance.
Best cheap full coverage auto insurance in VT
Company | Monthly rate | |
|---|---|---|
| State Farm | $60 |
| Vermont Mutual | $93 |
| Progressive | $100 |
| Concord | $117 |
| Geico | $130 |
*USAA is only available to current and former military members and their families.
Cheapest liability-only car insurance in VT: State Farm
State Farm has the cheapest minimum liability insurance in Vermont, at only $21 per month.
That's $15 per month less than the Vermont average for a liability-only policy, which is $36 per month.
Best cheap minimum liability auto insurance in Vermont
Company | Monthly rate |
|---|---|
| State Farm | $21 |
| Vermont Mutual | $33 |
| Progressive | $36 |
| Co-Op | $37 |
| Allstate | $43 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Vermont
USAA offers even cheaper rates to drivers with military ties, at just $18 per month. However, only active-duty military members, veterans and their families can get car insurance from USAA.
Cheap car insurance in Vermont for teens: State Farm
State Farm has the cheapest rates for young drivers in Vermont.
A minimum liability policy from State Farm costs $66 per month for an 18-year-old driver. That's $32 per month less than the Vermont average for teens. State Farm also has the cheapest full coverage quotes for young drivers in Vermont, at $183 per month.
Teens who are eligible for USAA can get even more affordable rates. Minimum liability coverage from USAA costs just $43 per month, while full coverage costs around $146 per month.
Best insurance companies in Vermont for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $66 | $183 |
| Vermont Mutual | $84 | $247 |
| Allstate | $88 | $376 |
| Concord | $95 | $222 |
| Progressive | $103 | $300 |
*USAA is only available to current and former military members and their families.
In Vermont, 18-year-old drivers pay nearly three times as much for car insurance as 30-year-old drivers. 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 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.
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 $63 per month, which is half the state average.
Company | Monthly rate |
|---|---|
| State Farm | $63 |
| Vermont Mutual | $117 |
| Progressive | $130 |
| Co-Op | $146 |
| Concord | $151 |
*USAA is only available to current and former military members and their families.
Vermont drivers can expect rates to go up by 18% after a single speeding ticket. That's an average increase of $20 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 $68 per month, which is less than half the state average of $158 per month.
Company | Monthly rate |
|---|---|
| State Farm | $68 |
| Vermont Mutual | $117 |
| Progressive | $152 |
| Concord | $177 |
| Allstate | $207 |
*USAA is only available to current and former military members and their families.
Drivers in Vermont pay $51 per month more for full coverage after an accident than drivers with a clean record. That's an average increase of 48%.
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 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.
Best VT auto insurance for teens after a speeding ticket or accident: State Farm
State Farm has the cheapest rates in Vermont for teens with a bad driving record.
A minimum liability policy from State Farm costs $70 per month for an 18-year-old with one speeding ticket. That's $40 per month less than the Vermont average.
Minimum coverage from State Farm costs $77 per month after an at-fault accident. That's $49 per month cheaper than the Vermont average for teens.
Cheap Vermont insurance for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| State Farm | $70 | $77 |
| Vermont Mutual | $92 | $92 |
| Allstate | $99 | $135 |
| Co-Op | $110 | $131 |
| Progressive | $112 | $122 |
*USAA is only available to current and former military members and their families.
Young drivers can expect a 14% increase in their insurance quotes after a single speeding ticket. And teens pay 30% more for insurance after an at-fault accident in Vermont. This is a smaller increase than adults usually 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: Progressive
Progressive offers the most affordable full coverage insurance for Vermont drivers with a DUI. At $115 per month, full coverage from Progressive is around half the state average of $226 per month.
Cheapest Vermont auto insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $115 |
| State Farm | $126 |
| Concord | $197 |
| Allstate | $200 |
| Vermont Mutual | $286 |
*USAA is only available to current and former military members and their families.
Vermont drivers with a DUI should also consider State Farm.
Full coverage with a DUI from State Farm is $11 more per month than Progressive. However, State Farm has better customer service reviews. Great customer service could be worth the additional cost if you're in a future accident because State Farm will probably help you get back on the road faster.
Car insurance rates in Vermont double after a DUI. That's because insurance companies believe drivers with a DUI are more likely to cause an accident in the future.
Best VT auto insurance for drivers with poor credit: Progressive
Progressive offers the cheapest quotes for Vermont drivers with a poor credit score. Full coverage from Progressive costs $176 per month, which is $27 per month cheaper than the Vermont average.
Drivers with bad credit should also compare quotes from Geico, which has better customer service reviews than Progressive. 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 |
|---|---|
| Progressive | $176 |
| Geico | $186 |
| Allstate | $206 |
| Concord | $208 |
| State Farm | $212 |
*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.
Best auto insurance in Vermont
USAA has the best auto insurance in Vermont, based on its excellent customer service and cheap rates.
However, only active-duty military members, veterans and some of their family members can get car insurance from USAA.
State Farm is the best choice for drivers who aren't eligible for USAA. It also has great customer support and affordable quotes for Vermont drivers.
Top insurance companies in VT
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Geico | 637 | A++ | |
| Concord | NR | A+ | |
| Vermont Mutual | NR | A+ |
Average Vermont car insurance quotes by city
Drivers in South Burlington have the cheapest car insurance rates in Vermont.
Full coverage in South Burlington, a suburb of Burlington, costs $98 per month, on average.
Taftsville, a historic village near Woodstock, has the highest rates, averaging $107 per month.
Auto insurance quotes in Vermont by city
City | Monthly rate | % from average |
|---|---|---|
| Adamant | $104 | 1% |
| Albany | $104 | 1% |
| Alburgh | $101 | -2% |
| Arlington | $103 | 0% |
| Ascutney | $104 | 0% |
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
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, like 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?
State Farm has the cheapest auto insurance in Vermont. It offers full coverage insurance for $60 per month and minimum liability insurance for $21 per month.
What is the average cost of auto insurance in Vermont?
The average cost of car insurance in Vermont is $36 per month for a minimum liability policy, and $107 per month for a full coverage policy.
Who has the best car insurance in Vermont?
USAA is the best insurance company in Vermont based on its affordable quotes and high customer service scores. State Farm is a great alternative for drivers who aren't eligible for USAA.
Is car insurance expensive in Vermont?
Vermont is the second-cheapest state for minimum-coverage insurance and the third-cheapest state for full coverage. One reason car insurance is so cheap in Vermont is that the state has few major cities and 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 2015 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: $25,000 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.
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.
