Home Car insurance Car insurance rates by state Average car insurance cost in Vermont Average car insurance cost in Vermont By Insure.com's Editor | Updated on November 9, 2022 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 $1,158 per year or $97 per month. While the national average is $1,682. There is a difference of $524 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. Summary of average car insurance cost in VermontAverage annual cost$1,158Average per month cost$97Average cost for state minimum coverage$306 / YearCheapest car insurance companyUSAA($788/ Year)Average cost for young drivers$1,976 / YearAverage cost for Senior drivers$1,121 / Year Key TakeawaysThe average car insurance cost in Vermont is $1,158 per year, based on Insure.com’s analysis.In Vermont, the average premium for car insurance is $97 per month.USAA has the cheapest car insurance rates in Vermont, at an average annual rate of $788 a year. Average car insurance cost in Vermont per month In Vermont, the average premium for car insurance is $97 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. The average annual cost is $788 while the average cost per month is $66. The second-best option available is, State Farm, 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 costUSAA$66$788State Farm$68$816Nationwide$69$830American Family$76$914Geico$80$963Auto-Owners$82$978Vermont Mutual$98$1,172Farmers Insurance$139$1,662Allstate$142$1,704Progressive$146$1,757 Read our guide to best car insurance companies of 2022 Vermont car insurance calculator Select Year Select Year20222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select Make Vehicle Model Select Model Vehicle already present. 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No matches found for the selected filter options..!!! 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 - + *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 2022. 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 2019 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 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 $334. 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 $1,158 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 $306 per year in Vermont. Coverage limitsAverage annual cost50/100/50 Liability Only$334100/300/100 Liability with $500 Comp/Coll Deductible$1,158Non-Owner State Minimum Liability Only$292State Minimum Liability Only$306 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 costBurlington$1,163South Burlington$1,149Rutland$1,160Barre$1,140Montpelier$1,141Winooski$1,147St. Albans$1,132Newport$1,169Vergennes$1,132 Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Vermont by cityBurlingtonSouth BurlingtonRutlandEssex JunctionBarreAverage 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 $1,976 while for seniors is $1,121. Here, the rate for young drivers is $855 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 $1,841 per year or $153 per month and rate for a male young driver is $2,110 per year or $176 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 drivers18$3,692$3,12019$3,121$2,60420$2,874$2,44021$2,139$1,86122$1,950$1,72323$1,841$1,63224$1,749$1,55125$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 $1,110 per year or $93 per month and cost of car insurance for male senior driver is $1,131 per year or $94 per month. Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,091$1,07670$1,145$1,12775$1,329$1,294 Read more about senior car insurance Cheapest cars to insure in Vermont MakeModelAverage annual premiumFordMaverick Lariat$990HyundaiVenue SE$1,038VolkswagenTaos S$1,060HyundaiSanta Cruz Limited$1,067HondaHR-V EX$1,076HondaCR-V EX$1,078FordTransit Connect Titanium$1,080SubaruForester 2.5I$1,088KiaSeltos EX$1,089ChryslerVoyager LX$1,089 Most expensive cars to insure in Vermont MakeModelAverage annual premiumMaseratiQuattroporte$4,175MaseratiLevante Trofeo$3,815MaseratiGhibli Modena$3,582MaseratiGhibli GT$3,521TeslaModel S Plaid$3,261BMWM5$3,257AudiRS7 Quattro Prestige$3,213Alfa-RomeoGiulia Quadrifoglio$3,209AudiRS7 Quattro Performance$3,182DodgeCharger SRT Hellcat$3,154 Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible. Methodology Insure.com gathered data with the help of Quadrant Information Services from major insurance companies across Vermont. The rates are based on the profile of a 40-year-old male who drives a 2021 Honda Accord LX with a clean record and full coverage policy. The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and collision deductible. The numbers 100/300/100 represent $100,000 coverage for bodily injury per person, $300,000 in bodily injury per accident and $100,000 for property damage. How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow more In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents Average car insurance cost in Vermont per month Average cost of car insurance by coverage levels in Vermont Average car insurance cost in Vermont by City Average car insurance cost in Vermont by age of the driver Cheapest cars to insure in Vermont Most expensive cars to insure in Vermont Get instant quotes now ! Please enter valid zip Get quote