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 lowest average car insurance premium in Vermont, costing $980 per year. That’s $524 the state average.
For drivers with an at-fault accident on record, State Farm offers the most affordable coverage at around $1,611 annually.
The 5403 ZIP code stands out as the cheapest area for auto insurance in Vermont, with an average yearly cost 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 the 5403 ZIP code pay the lowest average annual premium in Vermont, at $1,370. See which other areas of the state offer more affordable rates below.

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

Young drivers often face the highest premiums. In Vermont, for example, a 16-year-old pays $3,529 more than a 40-year-old driver.

The table below shows how rates change by age group.

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 record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Vermont

A single speeding ticket in Vermont can push your rates up by 30%, or about $445. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage 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

State Farm offers the lowest car insurance rates to drivers after an at-fault accident at $1,611 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

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 insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Vermont is $1,009 less than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Vermont, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

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 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.