Average Car Insurance Cost in Vermont (2025 Rates)

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25 Years of insurance experience

78.5M Quotes reviewed

170 Insurance providers evaluated

34.5K ZIP codes analyzed

A full coverage car insurance policy costs around $1,504 a year or $125 per month for Vermont drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $299 a year.

Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium.

Average annual cost
$1,504

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

Average car insurance cost in Vermont

If you’re a resident of Vermont, full coverage car insurance typically costs about $125 per month, adding up to $1,504 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $25, or $299 annually.

The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.

Cheapest car insurance companies in Vermont

Progressive provides the lowest full coverage rates, for an average cost of $980 per year or $82 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.

State Farm also offers affordable insurance coverage to Vermont drivers at an average cost of $1,410 a year or $117 per month.

Although these insurers offer some of the most affordable average rates in Vermont, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage.

Affordable car insurance providers in Vermont

Graph

Table

Company name	Average per month cost	Average annual cost
Progressive	$82	$980
State Farm	$117	$1,410
Auto-Owners	$125	$1,501
Nationwide	$130	$1,554
GEICO	$132	$1,582
Co-operative Insurance Companies	$137	$1,648
Allstate	$140	$1,674
Vermont Mutual	$162	$1,950
USAA*	$86	$1,038

*USAA is only available to military community members and their families.

Updated with latest data

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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 2023 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.

Average cost of car insurance by coverage levels in Vermont

Your car insurance cost largely comes down to the coverage limits you pick.

If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $25 a month, or about $299 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.

For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.

On average, drivers in Vermont pay around $125 per month, or roughly $1,504 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.

Coverage limits	Average annual cost
State minimum liability-only	$299
Liability only	$323
Full coverage	$1,504
Non-owner state minimum liability	$317

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Average car insurance cost in Vermont by city

Where 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.

City	Average annual cost
South Burlington	$1,370
Barre	$1,388
Montpelier	$1,389
Essex Junction	$1,392
Burlington	$1,413
Rutland	$1,421
Winooski	$1,429
Bellows Falls	$1,479
St. Albans	$1,486
Newport	$1,490

Average car insurance cost in Vermont by age

Age 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 drivers

If 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 driver	Average annual cost for Male drivers	Average annual cost for Female drivers
20	$3,553	$3,068
21	$2,691	$2,397
22	$2,494	$2,219
23	$2,294	$2,060
24	$2,190	$1,959

Average car insurance cost in Vermont for adult drivers

An 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 driver	Average annual cost for Male drivers	Average annual cost for Female drivers
25	$1,920	$1,726
30	$1,627	$1,560
35	$1,577	$1,513
40	$1,545	$1,464
45	$1,510	$1,433
50	$1,411	$1,370
55	$1,357	$1,320
60	$1,326	$1,309

Average car insurance cost in Vermont for senior drivers

Car 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 driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,382	$1,356
70	$1,465	$1,437
75	$1,732	$1,594

Minimum car insurance requirements in Vermont

Whether you’re purchasing a policy for the first time or relocating to Vermont, it’s important to understand the state’s liability coverage requirements.

Drivers in Vermont must carry at least the following minimum coverage limits to stay compliant with the law:

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Property damage liability: $10,000

Cheapest cars to insure in Vermont

The type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.

Chevrolet Trax is one of the cheapest cars to insure in Vermont, with an average premium of $1,320 per year. Chevrolet Express has an average annual cost of $1,347.

The table below shows the cars with the lowest average insurance rates.

Make Model	Average annual premium
Chevrolet Trax	$1,320
Chevrolet Express	$1,347
Chrysler Voyager	$1,354
Honda CR-V	$1,374
GMC Savana	$1,376
Jeep Wrangler	$1,380
Chevrolet TrailBlazer	$1,380
Honda HR-V	$1,385
Volkswagen Taos	$1,386
Ford Maverick	$1,391

Most expensive cars to insure in Vermont

Maserati 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 Model	Average annual premium
Maserati Quattroporte	$5,611
Porsche 911 Turbo	$5,074
Audi RS7	$4,955
BMW XM	$4,899
Audi S8	$4,894
BMW M8 Gran Coupe	$4,743
BMW i7	$4,719
Maserati Ghibli	$4,715
BMW M8	$4,688
Nissan GT-R	$4,610

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.

Methodology

Insure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, including

Full 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 limits
Liability-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:

Young drivers aged 20-24
Adult drivers aged 25-60
Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Hawaii$1,721/Year

Iowa$2,228/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kansas$2,410/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

Shivani Gite

Contributing Writer

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.