Low-cost car insurance in Vermont

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Drivers in Vermont can find the cheapest average premium with Progressive, at $980 per year. By comparison, the statewide average monthly cost is $125. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Vermont requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $10,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Vermont, depending on your situation.

Key Takeaways

Progressive has the cheapest average premium in Vermont, coming in at $980 per year – about $524 compared to the state average.
For drivers with an at-fault accident on their record, State Farm offers the lowest rates, with annual costs averaging $1,611.
The 5403 ZIP code is the least expensive area in Vermont for car insurance, with an average yearly premium of $1,370.

Low-cost car insurance businesses in Vermont

When comparing insurers in Vermont, Progressive leads the pack with an annual average of $980. That’s $524 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Vermont.

Company	Average annual rates
Progressive	$980
State Farm	$1,410
Auto-Owners	$1,501
Nationwide	$1,554
GEICO	$1,582
Co-operative Insurance Companies	$1,648
Allstate	$1,674
Vermont Mutual	$1,950
USAA*	$1,038

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Vermont

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Vermont

Drivers in 5403 benefit from the lowest average premium in the state, at $1,370 per year. See the table below to find other ZIP codes in Vermont where insurance tends to be cheaper.

ZIP code	City	Average annual rates
5403	South Burlington	$1,370
5446	Colchester	$1,386
5641	Barre	$1,388
5602	Montpelier	$1,389
5452	Essex Junction	$1,392
5401	Burlington	$1,402
5495	Williston	$1,403
5482	Shelburne	$1,408
5405	Burlington	$1,417
5701	Rutland	$1,421

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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 $3,529 more on average than a 40-year-old.

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

Age group	Full coverage annual premiums
Teens (16-19)	$4,362
Young Adults (20-24)	$2,500
Adults (25-60)	$1,503
Seniors (65-75)	$1,498

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 $445 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.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$980	$1,295	32%	$314
State Farm	$1,410	$1,493	6%	$83
Auto-Owners	$1,501	$1,719	15%	$218
GEICO	$1,582	$1,751	11%	$169
Allstate	$1,674	$1,938	16%	$264
Nationwide	$1,554	$2,252	45%	$697
Vermont Mutual	$1,950	$2,581	32%	$632
USAA*	$1,038	$1,190	15%	$152

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Vermont

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. State Farm is the lowest-cost option for these drivers, with an average annual premium of $1,611.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$1,410	$1,611	14%	$201
Progressive	$980	$1,661	69%	$681
Auto-Owners	$1,501	$2,265	51%	$764
Nationwide	$1,554	$2,302	48%	$748
Allstate	$1,674	$2,337	40%	$663
Vermont Mutual	$1,950	$2,581	32%	$632
GEICO	$1,582	$2,607	65%	$1,025
USAA*	$1,038	$1,516	46%	$479

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Vermont

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Vermont keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$980	$1,114	$134	14%
State Farm	$1,410	$1,493	$83	6%
Allstate	$1,674	$2,294	$619	37%
Auto-Owners	$1,501	$2,515	$1,014	68%
Nationwide	$1,554	$2,965	$1,411	91%
GEICO	$1,582	$4,343	$2,761	175%
Vermont Mutual	$1,950	$7,111	$5,161	265%
USAA*	$1,038	$2,120	$1,082	104%

*USAA is only available to military community members and their families.

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 $1,009 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 includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Vermont, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage 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 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

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

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.