Renters Insurance

The Best Cheap Renters Insurance in Vermont

The Best Cheap Renters Insurance in Vermont

Allstate is the most affordable renters insurance company in Vermont, at $140 per year, or about $12 per month.

The average cost of a renters insurance policy in Vermont is $14 per month. Allstate's lower prices can save you 14% each year compared to the state average.

Compare Cheap Renters Insurance in Vermont

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We collected insurance quotes from four major insurers in Vermont, considering price, coverages and service in order to find the best company to fit your needs.

Cheapest renters insurance companies in Vermont

The cheapest renters insurance company in Vermont is Allstate, which has an average price of about $12 per month.

The average price of coverage overall in Vermont is $14 per month.

The Cheapest Renters Insurance in Vermont

Compare Cheap Renters Insurance in Vermont

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Renters insurance in Vermont is about $4 cheaper per month than in the country as a whole. The typical price of renters insurance in the U.S. insurance costs about $18 per month.

Monthly cost
Allstate logo
Travelers logo
Amica logo
Nationwide logo

Best prices for renters insurance: Allstate

Allstate is the cheapest option in Vermont, and it has lots of options for discounts.
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Read the full review

The good:

  • Cheapest rates in Vermont
  • Lots of discounts

The bad:

  • Not many extra coverage options
  • Mediocre service

Allstate is the cheapest option for renters insurance in Vermont, at an average price of $140 per year, or just under $12 per month. That's 14% less than the average overall, and $51 per year cheaper than the most expensive option.

Allstate also offers plenty of opportunities for discounts that could bring your rates down even more. For example, policyholders could save up to a quarter of the cost of their renters insurance if they're at least 55 and retired. Allstate also offers discounts for remaining claims-free, for having fire alarms and other safety features and for simply electing to make automatic payments.

However, Allstate's coverage options weren't as strong as several other options. While it offers some extra options like identity theft, other common coverages such as replacement cost coverage and water backup protection aren't available.

Additionally, Allsate's customer service reviews are below average. The company has about 27% more complaints than an average insurer, according to the National Association of Insurance Commissioners. It also received a middling score in J.D. Power's customer survey.

Best rated: Amica

Amica's customer service is among the top-rated options in Vermont.
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The good:

  • Highly rated service

The bad:

  • Few extra coverage options
  • Average prices

For Vermont renters willing to spend more for a strong customer experience, we recommend Amica. It's the top-rated insurer we considered in Vermont, but its rates are slightly more expensive than its competitors.

The average price in Vermont for Amica was $14 per month, or $173 per year. That's 7% higher than the state average.

Amica received a top score in our ratings for renters insurance, reflecting the positive experiences customers tend to report while buying a policy or making a claim. Amica receives one-eighth as many complaints as an average U.S. home insurance company according to the NAIC — suggesting customers are very likely to be satisfied with their experience. Amica also has excellent financial stability, according to AM Best.

Unfortunately, Amica is also not a great choice if you need renters insurance coverage that goes beyond the basics. There are a few extra coverage options to choose from, including identity theft protection and replacement cost coverage, it lacks other useful options like water backup or equipment breakdown coverage.

Best coverage options: Nationwide

Nationwide has a wide selection of useful coverage options.
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Read our full review of Nationwide.

The good:

  • Wide variety of coverage options

The bad:

  • Relatively high rates

For people who want to customize their renters insurance policy with optional coverages, we recommend Nationwide. It has the best selection of any insurer we looked at in Vermont. You can choose from replacement cost coverage, enhanced liability and mechanical breakdown, among others.

However, Nationwide is the most expensive insurer we found in the state. The typical price for renters insurance from Nationwide is $16 per month, which is $4 per month more than the cheapest option. The extra cost may not break the bank for most, but it's still more money for the same level of coverage — and adding optional coverages will increase the price even more.

Customer service at Nationwide is above average, but mixed. It received complaints about half as often as its competitors, according to the NAIC. But it didn't perform very well in J.D. Power's customer satisfaction survey.

Vermont renters insurance: Costs by city

The most expensive city for renters insurance in Vermont is Milton. In that city, you can expect an average cost of $187 per year for renters insurance.

Among the 25 largest cities in the state, the cheapest city is Colchester. Residents will pay around $150 per year. That's $37 per year less than Milton.

Renters insurance costs can change based on where you live. Your bill might be more expensive if you live in a rural area far from a fire station, or in a low lying area susceptible to floods.

Average annual cost
Difference from state average (%)
Barre City$153-5%
Essex Junction$153-5%
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Top-rated renters insurance companies in Vermont

USAA and Amica have the Vermont's best-rated customer service among renters insurance providers in Vermont based on ValuePenguin's multi-factor formula.

These two companies have consistently received top marks from their customers when it comes to service, especially when it comes to filing a claim. Additionally, USAA is J.D. Power's top recommendation for renters insurance in the country.

However, USAA is only available to people associated with the military. You're eligible only if you have served in the armed forces, or your parent or spouse has had a USAA insurance policy.


Frequently asked questions

How much is renters insurance in Vermont?

The average cost of renters insurance in Vermont is $14 per month. Renters insurance in Vermont is 24% cheaper than the national average, making it the eighth-cheapest state for renters insurance.

Who has the best renters insurance in Vermont?

Allstate has the best cheap quotes for renters in Vermont, at $12 per month. However, Amica has the best-rated customer service, and coverage only costs $2 more per month than Allstate.

How much is renters insurance in Burlington, VT?

Renters in Vermont's largest city, Burlington, pay an average of $13 per month for insurance. In comparison, people living in neighboring South Burlington pay $3 less per year for coverage.


We evaluated renters insurance prices from four top-rated insurance companies in 25 major cities in Vermont. All our sample quotes are for an unmarried 25-year-old renter with no recent renters insurance claims.

Personal property$30,000
Personal liability$100,000
Medical payments$1,000
Loss of use$9,000

Listed coverage applied where available.

Top picks are determined by our experts, who analyze rates, customer service and coverage options.

Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) complaint index, the J.D. Power customer service satisfaction index and ValuePenguin's editors' ratings.

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.