If you are looking for auto insurance in Vermont, knowing how much it will cost is a promising idea. The average premium for car insurance in Vermont is $1,135 per year or $95 per month. While the national average is $1,682. There is a difference of $547 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Vermont, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Average car insurance cost in Vermont per month

In Vermont, the average premium for car insurance is $95 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Vermont, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Vermont is USAA Casualty Ins Co. The average annual cost is $776 while the average cost per month is $65. The second-best option available is, State Farm Mutl Automobile Ins, offering insurance at an average per month cost of $68.

The table below lists the other available car insurance companies which offer car insurance in Vermont, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
USAA Casualty Ins Co$65$776
State Farm Mutl Automobile Ins$68$816
Nationwide Mutual Ins Co$69$828
Main St Am Protection Ins Co$75$903
GEICO General Ins Co$76$908
Concord General Mutual Ins Co$78$942
Vermont Mutual Ins Co$98$1,172
Metropolitan P&C Ins Co$135$1,620
Allstate F&C Ins Co$136$1,631
Progressive Northern Ins Co$146$1,751

Read our guide to best car insurance companies of 2022

Average cost of car insurance by coverage levels in Vermont

The amount of coverage you purchase has an impact on how much car insurance costs in Vermont. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Vermont is $333.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Vermont is $1,135 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Vermont, the average annual cost for non-owner state minimum liability only is $292.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $304 per year in Vermont.

Coverage limitsAverage annual cost
50/100/50 Liability Only$333
100/300/100 Liability with $500 Comp/Coll Deductible$1,135
Non-Owner State Minimum Liability Only$292
State Minimum Liability Only$304

Average car insurance cost in Vermont by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Vermont:

CityAverage annual cost
Burlington$1,141
South Burlington$1,127
Rutland$1,137
Essex Junction$1,107
Barre$1,117
Montpelier$1,118
Winooski$1,125
St. Albans$1,109
Newport$1,144
Bellows Falls$1,128

Average car insurance cost in Vermont by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Vermont is $2,194 while for seniors is $1,177. Here, the rate for young drivers is $1,017 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Vermont for young drivers

The average car insurance cost for female young drivers in Vermont is $2,030 per year or $169 per month and rate for a male young driver is $2,358 per year or $196 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
18$3,692$3,120
19$3,121$2,604
20$2,874$2,440
21$2,139$1,861
22$1,950$1,723
23$1,841$1,632
24$1,749$1,551
25$1,495$1,310

Average car insurance cost in Vermont for senior drivers

In Vermont, the cost of car insurance for senior female driver is $1,166 per year or $97 per month and cost of car insurance for male senior driver is $1,188 per year or $99 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,091$1,076
70$1,145$1,127
75$1,329$1,294

Read more about senior car insurance

Summary of average car insurance cost in Vermont
Average annual cost
$1,135
Average per month cost
$95
Average cost for state minimum coverage
$304 / Year
Cheapest car insurance company
USAA Casualty Ins Co
($776/ Year)
Average cost for young drivers
$2,194 / Year
Average cost for Senior drivers
$1,177 / Year
Go To Top