Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Vermont Average car insurance cost in Vermont The average premium for car insurance in Vermont is $1,319 per year or $110 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re looking for car insurance rates in Vermont, the average annual premium is $1,319, per year or $110 monthly. This contrasts with the national average of $1,895, highlighting a variation of $576. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Vermont, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Average annual cost $1,319 Average per month cost $110 Average cost for state minimum coverage $306 / Year Cheapest car insurance company Progressive($926 / Year) Average cost for young drivers $2,437 / Year Average cost for Senior drivers $1,320 / Year Key TakeawaysThe average car insurance cost in Vermont is $1,319 per year, based on Insure.com’s analysis.In Vermont, the average premium for car insurance is $110 per month.Progressive has the cheapest car insurance rates in Vermont, at an average annual rate of $926 a year.Average car insurance cost in Vermont per monthIn Vermont, the monthly rate for car insurance is $110.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Vermont, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in VermontAccording to Insure.com’s rate analysis, Progressive offers the most affordable car insurance premiums in Vermont. The average annual cost is $926, or $77 per month. The second-best option available is Nationwide, offering insurance at an average cost of $78 per month.The table below lists the other available car insurance companies that offer car insurance in Vermont, along with their average cost per month and average annual cost. Affordable car insurance providers in Vermont Graph Table Company nameAverage per month costAverage annual costProgressive$77$926Nationwide$78$935Auto-Owners$83$992State Farm$95$1,139Geico$106$1,276Vermont Mutual$118$1,413Co-operative Insurance Companies$137$1,640Allstate$144$1,733Farmers$194$2,333USAA$67$803 Read our guide to cheap car insurance companies Vermont car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Vermont Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $1,385/Year OR $115/month Vermont Get Quote Get Quote 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 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 VermontThe extent of coverage you opt for directly influences the cost of car insurance in Vermont. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Vermont would be $324.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Vermont amounts to $1,319.For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Vermont, the average annual cost for non-owner state minimum liability coverage stands at $296.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $306 annually in Vermont.1State minimum:$3062Liability only:$3243Full coverage:$1,3194Non-owners:$296Auto 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 cityBarreBurlingtonEssex JunctionRutlandSouth BurlingtonAverage car insurance cost in Vermont by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Vermont:CityAverage annual costBarre$1,265Bellows Falls$1,304Burlington$1,270Essex Junction$1,240Montpelier$1,266Newport$1,329Rutland$1,286South Burlington$1,251St. Albans$1,278Winooski$1,255Average car insurance cost in Vermont by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Vermont is $2,437, whereas for seniors, it’s $1,320. The rate for young drivers surpasses that of senior drivers by $1,117.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in Vermont for young driversFor female young drivers in Vermont, the average annual car insurance cost is $2,310, and $192 per month. Conversely, male young drivers face an average annual rate of $2,566, and $214 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 20 $3,650 $3,129 21 $2,375 $2,312 22 $2,378 $2,134 23 $2,259 $2,034 24 $2,156 $1,939 Average car insurance cost in Vermont for senior driversFor senior female drivers in Vermont, the annual cost of car insurance is $1,313, or $109 per month. Similarly, male senior drivers face an annual insurance rate of $1,327, or $111 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,220 $1,211 70 $1,274 $1,265 75 $1,486 $1,464 Read more about senior car insuranceMinimum car insurance requirements in VermontEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Vermont Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Vermont:Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $10,000 Cheapest cars to insure in VermontKia Sportage Hybrid owners pay less for car insurance, around $1,129 per year. Jeep Wrangler follows closely with an annual premium of $1,182. The annual difference in insurance costs between these two models amounts to $53. MakeModelAverage annual premiumKiaSportage Hybrid$1,129JeepWrangler$1,182KiaSeltos$1,183MazdaCX-50$1,186FordMaverick$1,203HondaHR-V$1,224HondaCR-V$1,226ChevroletTrailBlazer$1,228VolkswagenTaos$1,231KiaSportage$1,238Most expensive cars to insure in VermontThe Maserati Quattroporte Trofeo, at an average annual premium of $4,953, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $3,824 annually.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$4,953MaseratiQuattroporte$4,928PorschePanamera Turbo S E-Hybrid$4,631BMWM8$4,469AudiRS6 Avant$4,417AudiS8$4,416Porsche911 Turbo$4,404MaseratiGhibli Trofeo$4,298AudiR8 Performance$4,205AudiE-Tron GT$4,201MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.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 a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Vermont Non-owner car insurance in Vermont Average renters insurance cost in Vermont Average homeowners insurance cost in Vermont In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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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 On this page Average car insurance cost in Vermont per monthCheapest car insurance companies in VermontAverage cost of car insurance by coverage levels in VermontAverage car insurance cost in Vermont by cityAverage car insurance cost in Vermont by age of the driverMinimum car insurance requirements in VermontCheapest cars to insure in VermontMost expensive cars to insure in VermontMethodology ZIP Code Please enter valid ZIP See rates