Average Car Insurance Cost in Vermont (Annual and monthly Rates)

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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 Vermont
Average annual cost $1,158	Average per month cost $97	Average cost for state minimum coverage $306 / Year
Cheapest car insurance company USAA ($788/ Year)	Average cost for young drivers $1,976 / Year	Average cost for Senior drivers $1,121 / Year

Key Takeaways

The 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 name	Average per month cost	Average annual cost
USAA	$66	$788
State Farm	$68	$816
Nationwide	$69	$830
American Family	$76	$914
Geico	$80	$963
Auto-Owners	$82	$978
Vermont Mutual	$98	$1,172
Farmers Insurance	$139	$1,662
Allstate	$142	$1,704
Progressive	$146	$1,757

Read our guide to best car insurance companies

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*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 limits	Average annual cost
50/100/50 Liability Only	$334
100/300/100 Liability with $500 Comp/Coll Deductible	$1,158
Non-Owner State Minimum Liability Only	$292
State 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:

City	Average annual cost
Burlington	$1,163
South Burlington	$1,149
Rutland	$1,160
Barre	$1,140
Montpelier	$1,141
Winooski	$1,147
St. Albans	$1,132
Newport	$1,169
Vergennes	$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 city

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 $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 driver	Average annual cost for Male drivers	Average 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 $1,110 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 driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,091	$1,076
70	$1,145	$1,127
75	$1,329	$1,294

Cheapest cars to insure in Vermont

Make	Model	Average annual premium
Ford	Maverick Lariat	$990
Hyundai	Venue SE	$1,038
Volkswagen	Taos S	$1,060
Hyundai	Santa Cruz Limited	$1,067
Honda	HR-V EX	$1,076
Honda	CR-V EX	$1,078
Ford	Transit Connect Titanium	$1,080
Subaru	Forester 2.5I	$1,088
Kia	Seltos EX	$1,089
Chrysler	Voyager LX	$1,089

Most expensive cars to insure in Vermont

Make	Model	Average annual premium
Maserati	Quattroporte	$4,175
Maserati	Levante Trofeo	$3,815
Maserati	Ghibli Modena	$3,582
Maserati	Ghibli GT	$3,521
Tesla	Model S Plaid	$3,261
BMW	M5	$3,257
Audi	RS7 Quattro Prestige	$3,213
Alfa-Romeo	Giulia Quadrifoglio	$3,209
Audi	RS7 Quattro Performance	$3,182
Dodge	Charger 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 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.