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

If you’re in Vermont, your monthly cost for full coverage car insurance is $125, which adds up to $1,504 per year. For minimum coverage, expect to pay an average of $25 monthly, or $299 a year.

Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle.

If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.

Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates.

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 live in Vermont can expect to pay an average of $125 per month for full coverage car insurance – that’s $1,504 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $25 monthly or $299 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.

However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.

Cheapest car insurance companies in Vermont

Progressive has the cheapest rates, at an average annual cost of $980 or $82 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

State Farm also stands out for its affordable premiums, with an average cost of $117 per month or $1,410 annually.

While these insurance companies have some of the lowest average rates in Vermont, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance.

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.

Vermont car insurance calculator

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Acura Integra

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Vehicle year 2024

Style 2WD 4 Door Hatchback Automatic Turbo

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Make & model Acura - Integra

Vehicle type Luxury Car

Your estimated rate

State MinimumNA^*

Liability coverage$442/year

Full Coverage$1,775/year

Recommended

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 2025

Average cost of car insurance by coverage levels in Vermont

The cost of your car insurance also depends on the coverage levels you choose.

If you opt for just the minimum coverage required by your state, you’ll pay $25 per month, or $299 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.

For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.

In Vermont, the average cost for full coverage is $125 per month, or $1,504 per year

While it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.

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 plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.

Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.

Let’s break down what you can expect to pay in Vermont for full coverage, depending on your age and gender.

Average car insurance cost in Vermont for young drivers

As a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.

In Vermont, 20-year-old male drivers pay an average of $3,553 per year for car insurance, while their female counterparts pay $3,068 for the same coverage.

However, by age 25, average car insurance costs drop to about $1,920 per year for male drivers and $1,726 for female drivers.

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 per year for full coverage, or $128 each month. Female drivers of the same age pay $1,466 annually or $122 monthly.

Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.

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

As a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $1,382 per year, and women pay $1,356.

By age 70, those averages increase to $1,465 for men and $1,437 for women. At 75, premiums rise again, reaching $1,732 for male drivers and $1,594 for female drivers.

Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.

Still, you can keep your premiums in check by driving safely 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 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: $25,000
Bodily injury per accident: $50,000
Property damage liability: $10,000

Cheapest cars to insure in Vermont

Your 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 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.