Home Renters insurance Renters insurance cost Average renters insurance cost in Vermont Average renters insurance cost in Vermont Discover the average cost of renters insurance in Vermont and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: February 10, 2026 Why you can trust Insure.com Quality Verified 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. Renters insurance costs in Vermont vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Vermont pay $181 per year or $15 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible.Key TakeawaysThe average cost of renters insurance in Vermont is $181 per year or $15 per month.Vermont Mutual provides the least expensive renters insurance in Vermont at an average rate of $100 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Vermont. Average renters insurance cost in Vermont per monthIn Vermont, the average cost of renters insurance is $15 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$15$9 lessPowered by:Average renters insurance cost in Vermont by companyAccording to our data, Vermont Mutual provides the most affordable renters insurance in Vermont, with an average annual rate of $100, followed by State Farm and MMG Insurance.Getting quotes from multiple renters insurance companies in Vermont is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Vermont.CompanyAverage annual rateAverage monthly rateVermont Mutual$100$8State Farm$148$12MMG Insurance$150$13Frankenmuth Insurance$153$13Co-operative Insurance Companies$161$13Auto-Owners$183$15Union Mutual$233$19Travelers$398$33Powered by: Renters insurance calculator in Vermont Select your state Vermont Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $164/year Estimated renters insurance rates in Vermont $14 Monthly renters insurance cost in Vermont -39% Compared to national average Get quotes Average cost of renters insurance in Vermont by coverage levelAs we discussed above, the average cost of renters insurance in Vermont is $181 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $144 per year for renters insurance in Vermont, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in Vermont for personal property coverage amounts of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$140$12$20,000 with $500 Deductible and $300,000 Liability$150$13$20,000 with $1,000 Deductible and $100,000 Liability$135$11$20,000 with $1,000 Deductible and $300,000 Liability$144$12$40,000 with $500 Deductible and $100,000 Liability$174$15$40,000 with $500 Deductible and $300,000 Liability$193$16$40,000 with $1,000 Deductible and $100,000 Liability$164$14$40,000 with $1,000 Deductible and $300,000 Liability$181$15$60,000 with $500 Deductible and $100,000 Liability$224$19$60,000 with $500 Deductible and $300,000 Liability$245$20$60,000 with $1,000 Deductible and $100,000 Liability$209$17$60,000 with $1,000 Deductible and $300,000 Liability$229$19Powered by:Average cost of renters insurance in Vermont by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Vermont.Renters insurance rates in Vermont by citySee rates in your cityEssex JunctionRutlandSouth BurlingtonAverage cost of renters insurance in Vermont by ZIP codeIn Vermont, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in VermontIn Vermont, your ZIP code plays a major role in determining your premiums. Based on our data, 5820 is the most affordable ZIP code for renters insurance, with an average annual cost of $175.Comparing quotes from multiple insurers in Vermont is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate5820Albany$175$155441Bakersfield$175$155821Barnet$175$155822Barton$175$155442Belvidere Center$175$155444Cambridge$175$155826Craftsbury$175$155827Craftsbury Common$175$155829Derby$175$155830Derby Line$175$15Powered by:Least affordable ZIP codes for renters insurance in VermontAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Vermont is 5030, with an average cost of $213 a year or $18 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Vermont. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate5030Ascutney$213$185823Beebe Plain$213$185439Colchester$213$185741East Poultney$213$185838East St.Johnsbury$213$185745Forest Dale$213$185746Gaysville$213$185049Hartland Four Corners$213$185460Highgate Springs$213$185750Hydeville$213$18Powered by:Final thoughts: Average renters insurance in VermontRenters insurance is essential for residents of Vermont. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.Shivani GiteContributing 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.How much is renters insurance in other statesAlaska$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearColorado$224/YearConnecticut$325/YearDelaware$207/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIowa$216/YearIdaho$190/YearIllinois$294/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMaine$211/YearMichigan$471/YearMinnesota$218/YearMissouri$249/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNebraska$314/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNevada$263/YearNew York$328/YearOhio$255/YearOklahoma$299/YearOregon$295/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearWashington$249/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in VermontBest and cheapest homeowners insurance companies in VermontCost of Living in Vermont in 2025How much does condo insurance cost in Vermont in 2025? 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Most Americans don’t 1/1 Related Articles $400K home insurance cost calculator By Zack Sigel Cost of living by state By Chris Kissell Cost of living calculator By Nupur Gambhir How much do claims increase home insurance premiums? By Les Masterson How to file a successful mold claim By Chris Kissell Home and auto insurance bundle: Best companies and rates By Chris Kissell On this page Average renters insurance cost in Vermont per monthAverage renters insurance cost in Vermont by companyAverage cost of renters insurance in Vermont by coverage levelAverage cost of renters insurance in Vermont by cityAverage cost of renters insurance in Vermont by ZIP codeFinal thoughts: Average renters insurance in Vermont ZIP Code Please enter valid ZIP See rates (844) 761-9316