Vermont Car insurance calculator

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If you drive in Vermont, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Vermont car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Vermont, making it easier to compare options and choose the coverage that’s right for you.

How to use our car insurance calculator to estimate your rates in Vermont

Our calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.

Step 1: Choose the model year of your car.
Step 2: Choose the make and model of your car.
Step 3: Choose your state.
Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Updated with latest data

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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 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.

Does your vehicle model affect car insurance rates in Vermont?

A vehicle’s make and model can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For example, full coverage for a Honda Accord LX costs $1,645 per year, while the average premium for a Honda CR-V in Vermont is $1,374 – a difference of $271.

Does your car’s model year affect insurance rates in Vermont?

In Vermont, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $2,313 per year, while the 2024 model costs $1,560 annually to insure.

Quick tip: Review your state’s minimum insurance requirements before choosing a policy

Each state sets its own minimum car insurance requirements, and Vermont is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:

Bodily injury liability per person and per accident
Property damage liability

These limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.

Driving without the required coverage in Vermont can lead to fines, license suspension and even vehicle impoundment.

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in Vermont

Your car’s trim is one of the factors insurers use to calculate premiums in Vermont. Insurance companies take into account the car’s value, safety features, repair expenses and theft rates. As a result, trims with luxury features or powerful engines tend to be more costly to insure.

Full coverage car insurance for a 2023 Honda Accord LX in Vermont is about $2,313 per year. On the other hand, the 2023 Honda Accord EX-L trim costs $1,901, which is $412 annually.

Higher-end trims often come with expensive features like luxury interiors or advanced infotainment systems, which make the vehicle more costly to replace. Performance trims with bigger engines may also carry higher premiums due to the added risk associated with faster driving.

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How much drivers pay for car insurance in Vermont

In Vermont, the average cost of full-coverage car insurance is $1,504 per year or $125 per month. Your premium may be higher or lower depending on your chosen coverage limits.

Below, you’ll find estimated costs for different coverage levels in Vermont, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$1,504	$125
Liability Only – 50/100/50 BI/PD	$323	$27
State Minimum BI/PD	$299	$25
Non-Owners	$317	$26

How much is car insurance in Vermont by city

In Vermont, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Jeffersonville pay about $1,587 per year for a full coverage policy, where as drivers in South Burlington pay $1,370 annually.

Top 20 cities with cheapest car insurance rates in Vermont

City	Avg. Annual Premium	Avg. Monthly Premium
South Burlington	$1,370	$114
Barre	$1,388	$116
Montpelier	$1,389	$116
Essex Junction	$1,392	$116
Williston	$1,403	$117
Shelburne	$1,408	$117
Colchester	$1,412	$118
Burlington	$1,413	$118
Rutland	$1,421	$118
West Rutland	$1,422	$119
Proctor	$1,426	$119
East Montpelier	$1,429	$119
Winooski	$1,429	$119
Websterville	$1,443	$120
South Hero	$1,448	$121
Grand Isle	$1,449	$121
White River Junction	$1,449	$121
Quechee	$1,454	$121
Charlotte	$1,455	$121
Swanton	$1,455	$121

Top 20 cities with most expensive car insurance in rates Vermont

City	Avg. Annual Premium	Avg. Monthly Premium
Jeffersonville	$1,587	$132
Belvidere Center	$1,584	$132
Eden	$1,583	$132
Eden Mills	$1,583	$132
Wells River	$1,580	$132
Hyde Park	$1,576	$131
Waterville	$1,576	$131
Johnson	$1,575	$131
North Hyde Park	$1,575	$131
Wolcott	$1,575	$131
Moscow	$1,574	$131
Stowe	$1,574	$131
Lake Elmore	$1,573	$131
Morrisville	$1,571	$131
Granville	$1,568	$131
Starksboro	$1,563	$130
Killington	$1,562	$130
Vershire	$1,560	$130
Cuttingsville	$1,558	$130
Chittenden	$1,556	$130

Want to know what you’ll pay? Use our Vermont car insurance calculator

Our car insurance calculator for Vermont factors in your location, vehicle make, and model year to provide an estimate tailored to your situation. Actual quotes may vary, so shop around and compare multiple quotes to get the best deal.

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

Washington, D.C.$3,394/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.

On this page

How to use our car insurance calculator to estimate your rates in Vermont
Does your vehicle model affect car insurance rates in Vermont?
Does your car's model year affect insurance rates in Vermont?
How your car's trim affects insurance rates in Vermont
How much drivers pay for car insurance in Vermont
How much is car insurance in Vermont by city
Want to know what you'll pay? Use our Vermont car insurance calculator

Vermont car insurance calculator