The average cost of minimum coverage car insurance in Vermont is $552 per year, or $46 per month. Costs, however, can vary widely and by insurer and policy types, so it's important to compare rates.

Cheapest for minimum liability

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Cheapest for full coverage

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Cheapest for drivers with an accident

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Best for customer service

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Cheapest for minimum liability

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Cheapest for full coverage

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Cheapest for drivers with an accident

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Best for customer service

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Cheapest auto insurance in Vermont

The cheapest minimum-coverage car insurance quotes in Vermont are provided by:

These three auto insurers have average car insurance rates of $502 per year, or $42 per month — which is 9% cheaper than the Vermont average.

The auto insurance companies with the most expensive quotes in Vermont were:

In Vermont, these companies had an average annual quote of $700, or 27% more than the state average.

Cheapest full-coverage auto insurance in Vermont

The cheapest full-coverage auto insurance companies in Vermont are:

These three carriers were the most affordable in Vermont for full coverage, offering quotes of $1,338 on average, or 24% less than the state average of $1,769.

The insurance companies with the most expensive auto quotes for full coverage in Vermont are:

Comprehensive and collision coverages are included in full coverage policies and reimburse damage to your car following most accidents, thefts, natural disasters and vandalism.

Cheapest full-coverage auto insurance in Vermont with a prior accident

Vermont drivers with an accident on their driving record may be able to find cheap full-coverage car insurance quotes at State Farm, Concord Group and Nationwide.

These three insurers offer average annual rates of $1,796 per year, or 28% less than the Vermont average of $2,490, for full coverage policies with a prior accident history.

Best car insurance companies in Vermont

Customer service is one of the most important parts of an insurance policy, and the best auto insurance companies for service in Vermont are:

Of note, the best Vermont insurers, based on a measure of customer satisfaction known as the complaint ratio, were also frequently the cheapest in our study.

Customers filed fewer complaints with these insurers than others relative to their market share.

To find the best auto insurance companies in Vermont, we looked at the complaint ratios for the largest companies in the state, using data from the National Association of Insurance Commissioners (NAIC).

A complaint ratio measures how many complaints each company receives per $1 million of premiums they receive, and is an indication to us of how good a carrier's customer service and satisfaction are.

The lower the ratio, the fewer complaints a company received relative to its share of premiums underwritten, meaning that customers were less likely to complain.

Minimum auto insurance requirements in Vermont

Vermonters need to have a minimum amount of car insurance in order to drive. By getting minimum coverage, you would be able to dramatically reduce the cost of your policy. However, full-coverage auto insurance may be more appropriate for some drivers.

While your car insurance policy may meet Vermont's minimum legal requirements, many motorists may benefit from buying more coverage.

We recommend Vermont drivers 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 protect any damage caused to your automobile.

Cheap car insurance in Vermont by city

The best car insurance quotes in Vermont can differ depending on which city you live in. Typically, however, the cheapest auto insurers in Vermont cities for a full-coverage policy are:

Current or former members of the U.S. armed forces and their families may qualify for even lower car insurance rates with USAA, which only provides policies to these customers.

Your actual rates will differ based on factors such as past driving history, your vehicle and the amount of liability coverage you need.

Here is a list of cheap car insurance companies in Vermont's largest cities with their annual quotes for a full-coverage policy.

To get the cheapest quote, we always recommend drivers compare at least three quotes from insurers. To help you find good auto rates in Vermont, we identified the cheapest insurers for a full-coverage policy in:

Cheap car insurance in Burlington, Vermont

A year's worth of full-coverage car insurance in Burlington was just slightly cheaper than the Vermont average. For cheap auto insurance quotes in Burlington, we recommend State Farm, Concord Group and Nationwide, which on average, quoted $1,359 per year, or 22% less than the Burlington mean.

Cheap car insurance in South Burlington, Vermont

Among Vermont's five largest cities, South Burlington offered some of the cheapest rates. Yet it's still important to compare quotes as the most expensive insurer offered quotes 2.7 times the cost of that of the cheapest.

Cheap car insurance in Colchester, Vermont

Car insurance costs in Colchester were in line with the Vermont state average, though motorists can still benefit from comparing rates. The most expensive insurer in our analysis, Allstate ($3,084), cost $2,018 more per year than the cheapest carrier, State Farm ($1,067).

Cheap car insurance in Rutland, Vermont

Choosing a policy from the cheapest auto insurer in Rutland, State Farm ($1,084), could save you more than $600 annually relative to the city average. Remember to get multiple quotes, as rates offered could differ depending on your specific driver profile.

Cheap car insurance in Bennington, Vermont

The cost of insuring our benchmark driver in Bennington was nearly equivalent to the Vermont average. For the cheapest coverage, we still recommend that drivers compare quotes. The three most expensive insurers cost 37% more than the Bennington average, while the three cheapest offered a 24% discount.

Average cost of car insurance in Vermont

The cheapest cities in Vermont for full coverage are:

The most expensive Vermont cities for full coverage are:

Where you live is a major factor in determining average auto insurance rates. Vermont cities are ranked from those with the cheapest auto insurance rates to the most expensive per year.

Methodology

We collected auto insurance quotes for Vermont cities from seven auto insurance companies.

Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.

Unless otherwise noted, our sample driver held full-coverage car insurance with the following limits:

For a minimum-coverage policy, our sample driver had coverage equivalent to the minimum state legal requirements in Vermont.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.

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.