Who Has The Cheapest Renters Insurance Quotes in Vermont?

Vermont is a New England state with fewer than 630,000 residents, making it the second least populous. Approximately 75% of Vermont is covered by forest and it is the largest maple syrup producer in the U.S. There are a number of medium-sized cities and large towns - all of which have renters. To see who has the cheapest and most expensive renters insurance rates, we evaluated quotes for a sample property (a rental property with roughly 1,000 square feet of living space and $100,000 in liability coverage). The results showed the most expensive renters insurance rates were 20% higher than the cheapest. Since we used one sample property, the rates have comparative value, but are not indicative of what all tenants can expect to pay for their renters insurance.

Cheapest Renters Insurance in Vermont

We conducted a study of insurance companies in Vermont to find which carrier offered the cheapest annual rates on average. For our sample rental property of 1,000 square-feet, we found that Allstate had the most affordable rate at $131, which is about 25% lower than the average annual rate for the state. Below are the average annual rates for major companies in Vermont, ranked from most affordable to least affordable:

RankCheapest Renters Insurance CompanyAverage Annual Rates
1 Allstate $131
2 State Farm $137
3 Liberty Mutual $182
4 Amica $196
5 GEICO $229
Average $175

The rates above were for a sample property. We recommend that you look up quotes from multiple insurance companies to find the best rate for yourself.

Best Renters Insurance Rates in Vermont: by City

The five places with the best renters insurance in Vermont are all centrally located in the state - none are near the southern or nothern borders. The place with the best rates was Monpelier, which has premiums that were 7.8% lower than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Montpelier $161 -7.8%
2 Northfield 168 -3.8%
3 Bristol 169 -3.5%
4 Burlington 169 -3.5%
5 Essex Junction 169 -3.5%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Montpelier, VT

The place with the best renters insurance rates in Vermont is Montpelier. The state capital and site of the Vermont’s state house has fewer than 8,000 residents but is serviced by Amtrak. The city also is serviced by the Burlington International Airport, which is approximately 35 miles away. Renters insurance premiums in Montpelier are 7.8% lower than the state average. 

Northfield, VT

Northfield is located at the base of the Green Mountains and has 6,200 residents. Its home to Norwich University, the oldest private military college in the United States. The town also is a convenient 10 miles from the state's capital, Montpelier. Northfield also has some of the best renters insurance rates in Vermont, with premiums 3.8% lower than the state average.

Bristol, VT

A bustling town, Bristol also sits at the food of the Green Mountains. The quaint village has approximately 3,800 residents and was chartered in 1762. It was originally named Pocock, in honor of an English admiral with the same name. It adopted its current name in 1789, though locals still celebrate its heritage during the annual Pockock Rocks Street Fair every June, which is only one of many festivals the town hosts every year. Renters insurance premiums in Bristol are 3.5% lower than the state average. 

Burlington, VT

Burlington is home to the University of Vermont and has a reputation as a college town, since other academic institutions are also there including Burlington College, Champlain College and a Community College of Vermont. Ice cream aficionados will recognize Burlington as the birthplace of the legendary Ben & Jerry's Ice Cream, which was founded in 1978 in a renovated Burlington gas station. The company's headquarters are now located in nearby South Burlington. Renters insurance rates are 3.5% lower than the state average. 

Essex Junction, VT

Essex Junction was originally a part of Essex Township that was decreed by the English Crown in the 18th century. Today, the village has nearly 10,000 residents and hosts an annual fair that attracts major headline acts, such as Justin Bieber. Renters insurance quotes in Essex Junction also are 3.5% lower than the state average. 

Most Expensive Renters Insurance in Vermont

The five places with the most expensive renters insurance in Vermont are scattered throughout the state. The place with the highest premiums was Windsor, where rates were 10.1% higher than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Windsor $193 10.1%
2 West Rutland 188 7.4%
3 White River Junction 188 7.4%
4 South Burlington 188 7.3%
5 St Johnsbury 188 7.3%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Windsor, VT

The town of Windsor has the most expensive renters insurance in the state of Vermont. It played a key role in the creation of its state and the development of the United States. Today, the town’s roughly 3,500 residents and visitors enjoy the annual Moon Dance fesitval which brings live bands, magicians, and hypnotists to the town. Premiums for renters insurance are 10.1% higher in Windsor than the state average. 

White River Junction, VT

White River Junction is a small resilient town, able to reinvent itself as a small artists' colony after its stint as a long-depressed prior railroad hub. Its main street has a number of art galleries and museums. The town also has good nightlife with a local theatre company and a popular restaurant featuring live jazz music. Renters insurance premiums in White River Junction are 7.4% higher than the average in the state. 

West Rutland, VT

The city of West Rutland was originally established because of the marble industry and it developed a cultural heritage while it prospered. Today, there are multiple schools and private galleries featuring local artists. It has more than 2,300 residents and the population continues to gradually shrink. Renters insurance rates in West Rutland are 7.4% higher than the state average. 

South Burlington, VT

South Burlington has fewer than 19,000 residents but is home to the largest mall in the state, the University Mall. It’s the second largest city in Vermont and home to the Burlington International Airport - the state’s largest. The airport also services the Vermont Air National Guard and an Army Aviation Support Facility. Quotes for the study sample property were 7.3% higher than the state average. 

St, Johnsbury, VT

The town of St. Johnsbury has 7,600 residents and is only 48 miles from the Canadian border. It grew in the 19th century after the arrival of the railroad that connected it to Boston, Massachusetts and Montreal, Canada. Premiums there are also 7.3% higher than the state average.

Average Cost of Renters Insurance in Vermont: by City

Our comparative study of renters insurance premiums in Washington was done by gathering and analyzing quotes from five major carriers across 34 cities in the state. Our analysis showed premiums from the most expensive place were 20% higher than the cheapest place in the state. That difference between the cheapest and the most expensive premiums is far from dramatic in comparison to other states. For example, the most expensive city in Delaware is only 7% more expensive that the cheapest, while the difference in the state of Texas is 74%. 

Study Methodology

Our study examined renters insurance quotes for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. We then collected quotes for that sample residence from five of the major carriers that offer a renters insurance product in the state of Vermont. We averaged rates for the sample home in each city as a benchmark to show which cities are relatively cheaper or more expensive. Those comparative values are not indicative of what tenants can expect to pay for an annual renters insurance premium.

RankCityAverage Annual Rate% Difference vs State Average
24 Barre City $177 0.9%
23 Barton 175 0.2%
12 Bellows Falls 169 -3.4%
13 Bennington 169 -3.4%
14 Bradford 169 -3.4%
15 Brattleboro 169 -3.4%
3 Bristol 169 -3.5%
4 Burlington 169 -3.5%
16 Chester 169 -3.4%
22 Dover 175 -0.2%
21 Enosburg Falls 170 -3.0%
5 Essex Junction 169 -3.5%
6 Fair Haven 169 -3.5%
17 Manchester Center 169 -3.4%
7 Middlebury 169 -3.5%
1 Montpelier 161 -7.8%
8 Morrisville 169 -3.5%
9 Newport 169 -3.5%
2 Northfield 168 -3.8%
18 Randolph 169 -3.4%
19 Rutland 169 -3.4%
10 Saint Albans 169 -3.5%
11 Shelburne 169 -3.5%
26 South Burlington 188 7.3%
20 Springfield 169 -3.4%
27 St Johnsbury 188 7.3%
28 Stowe 188 7.3%
29 Swanton 188 7.3%
30 Vergennes 188 7.3%
25 Waitsfield 187 7.1%
32 West Rutland 188 7.4%
33 White River Junction 188 7.4%
34 Windsor 193 10.1%
31 Winooski 188 7.3%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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