Low-cost car insurance in Vermont

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In Vermont, Progressive offers the cheapest average premium at $926 per year. For comparison, the statewide average monthly cost is $110, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Vermont, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Low-cost car insurance companies in Vermont

Among all insurers in Vermont, Progressive comes in lowest at $926 per year – 30% less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Vermont.

How we choose low-cost car insurance companies in Vermont

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Vermont

Drivers in the 5446 ZIP code pay the lowest average annual premium in Vermont, at $1,232. See which other areas of the state offer more affordable rates below.

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Low-cost car insurance in Vermont by age

Teenagers pay significantly more for car insurance than adults in Vermont. For instance, a 16-year-old driver pays $4,086 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Vermont.

Low-cost car insurance in Vermont by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Vermont

One speeding ticket in Vermont can cause your insurance rates to jump by 30%, or roughly $391 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Low-cost car insurance after an accident in Vermont

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. State Farm has the lowest average rate at $1,302 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Vermont with the most affordable rates for drivers with an accident on their record.

Low-cost car insurance after a DUI in Vermont

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Vermont are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Average cost of car insurance Vermont

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Vermont, the average cost of full coverage is $576 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Vermont, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Vermont.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Vermont. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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.