Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Vermont Average car insurance cost in Vermont The average full coverage car insurance cost in Vermont is $1,504 annually, or $125 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: January 7, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Vermont, you can expect to pay an average of around $125 per month for full coverage car insurance, or $1,504 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $25 monthly or $299 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $1,504 / Year Average per month cost $125 Average cost for state minimum coverage $323 / Year Cheapest car insurance company Progressive$980 / Year Average cost for young drivers $2,500 / Year Average cost for Senior drivers $1,498 / Year 012345 1 of 6 Average car insurance cost in Vermont Drivers in Vermont generally pay an average of $125 per month or $1,504 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $25 or $299 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in VermontIf you’re looking for affordable insurance, Progressive tops the list of the cheapest car insurance companies. Its average annual cost is $980 per year or $82 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.State Farm also provides affordable insurance rates in Vermont for a full coverage policy at an average annual insurance cost of $1,410 or $117 monthly.While these companies offer some of the lowest average premiums in Vermont, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Vermont Graph Table Company nameAverage per month costAverage annual costProgressive$82$980State Farm$117$1,410Auto-Owners$125$1,501Nationwide$130$1,554GEICO$132$1,582Co-operative Insurance Companies$137$1,648Allstate$140$1,674Vermont Mutual$162$1,950USAA*$86$1,038*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Vermont car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Vermont Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Vermont Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$442/year Full Coverage$1,775/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in VermontYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $25 per month or $299 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Vermont, drivers typically pay $125 per month or $1,504 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$299Liability only$323Full coverage$1,504Non-owner state minimum liability$317Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Vermont by cityWhere you live in Vermont can have a big impact on your car insurance rates.If you’re located in cities like Newport, St. Albans, or Bellows Falls, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like South Burlington and Barre tend to pay much lower insurance premiums, between $1,370 and $1,388 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costSouth Burlington$1,370Barre$1,388Montpelier$1,389Essex Junction$1,392Burlington$1,413Rutland$1,421Winooski$1,429Bellows Falls$1,479St. Albans$1,486Newport$1,490Powered by:Average car insurance cost in Vermont by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Vermont, based on age and gender.Average car insurance cost in Vermont for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Vermont pays an average of $3,553 annually for car insurance, compared to $3,068 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $1,920 per year for male drivers and $1,726 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,553$3,06821$2,691$2,39722$2,494$2,21923$2,294$2,06024$2,190$1,959Powered by:Average car insurance cost in Vermont for adult driversAn adult driver aged 25-60 in Vermont pays $1,541 annually for full coverage, or around $128 each month. Women in the same age group pay $1,466 per year or $122 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$1,920$1,72630$1,627$1,56035$1,577$1,51340$1,545$1,46445$1,510$1,43350$1,411$1,37055$1,357$1,32060$1,326$1,309Powered by:Average car insurance cost in Vermont for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $1,382 annually, while women pay $1,356.By 70, average rates go up to $1,465 for men and $1,437 for women. At age 75, costs increase further, reaching $1,732 for men and $1,594 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,382$1,35670$1,465$1,43775$1,732$1,594Powered by:Minimum car insurance requirements in VermontWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Vermont can help you avoid fines and make smarter choices about your coverage.Drivers in Vermont must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $10,000Cheapest cars to insure in VermontYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Chevrolet Trax tops the list for cheapest car to insure in Vermont at an average cost of $1,320 a year, followed closely by Chevrolet Express at $1,347 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumChevrolet Trax$1,320Chevrolet Express$1,347Chrysler Voyager$1,354Honda CR-V$1,374GMC Savana$1,376Jeep Wrangler$1,380Chevrolet TrailBlazer$1,380Honda HR-V$1,385Volkswagen Taos$1,386Ford Maverick$1,391Powered by:Most expensive cars to insure in VermontMaserati Quattroporte is one of the most expensive vehicles to insure in Vermont, with an average annual cost of $5,611.Below is a list of the costliest vehicles to insure in Vermont and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$5,611Porsche 911 Turbo$5,074Audi RS7$4,955BMW XM$4,899Audi S8$4,894BMW M8 Gran Coupe$4,743BMW i7$4,719Maserati Ghibli$4,715BMW M8$4,688Nissan GT-R$4,610Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in VermontCheapest car insurance companies in VermontAverage cost of car insurance by coverage levels in VermontAverage car insurance cost in Vermont by cityAverage car insurance cost in Vermont by ageMinimum car insurance requirements in VermontCheapest cars to insure in VermontMost expensive cars to insure in VermontMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330