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No. 4 Least Expensive: Vermont

Vermont car insurance rates

Average rate: $948

Average rate for the top-selling vehicle in the country first quarter of 2017 F-150 XL: $875

Average rate for the top-selling SUV in the country first quarter of 2017 Nisan Rogue S: $918

Average rate for the top-selling sedan in the country first quarter of 2017 Toyota Camry LE: $1,038

A rural state with few large cities helps keep Vermont on the “cheap” list of states for car insurance. Vermont led the least expensive state list back in 2011 and then fell out of the top five until this year when it bounced back to No. 4.

States, such as Vermont, which have less congestion and traffic tend to see cheaper auto insurance rates than those with large urban areas. The crash rate and amount of claims are lower in rural places, so car insurance companies can charge lower rates. 

Vermont might get a lot of snow but isn’t prone to tornadoes or hailstorms, which can cause a massive amount of claims and hike up auto insurance rates, so that also contributes to the lower rates motorists see in the Green Mountain State.

Vermont’s annual average premium is 28 percent less than the national average. 

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