Cheapest Auto Insurance Quotes in Vermont (2024)
State Farm has the cheapest car insurance in Vermont, at $51 per month for full coverage.
Find Cheap Auto Insurance Quotes in Vermont
Best cheap car insurance companies in Vermont
| 97,000 quotes for accurate rates |
| 8 top companies in the state |
| 275 ZIP codes across Vermont |
ValuePenguin's insurance experts use data to help find the best insurance company for you. We don't make money by promoting any specific companies. Instead, our analysis is to help you comparison shop. Full methodology.
| Best and cheapest car insurance in Vermont |
- Cheapest full coverage: State Farm, $51/mo
- Cheapest minimum liability: State Farm, $19/mo
- Cheapest for young drivers: State Farm, $59/mo
- Cheapest after a ticket: State Farm, $55/mo
- Cheapest after an accident: State Farm, $59/mo
- Cheapest for teens after a ticket: State Farm, $64/mo
- Cheapest after a DUI: State Farm, $109/mo
- Cheapest for poor credit: Nationwide, $149/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm has the best mix of great customer service and cheap rates. It's much cheaper than other companies in Vermont, and you can easily compare rates online.
Cheapest car insurance in Vermont: State Farm
State Farm has the most affordable full coverage quotes in Vermont.
Full coverage from State Farm costs $51 per month, which is half as expensive as the state average at $103 per month.
The average cost of car insurance in Vermont is $103 per month for full coverage. That makes Vermont the fourth cheapest state in the country for full coverage insurance.
Find Cheap Auto Insurance Quotes in Vermont
Best cheap full coverage auto insurance in VT
Company | Monthly rate | |
|---|---|---|
| State Farm | $51 |
| Concord | $94 |
| Progressive | $99 |
| Nationwide | $109 |
| Geico | $116 |
*USAA is only available to current and former military members and their families.
Cheapest liability quotes in Vermont: State Farm
State Farm has the cheapest minimum coverage insurance rates in Vermont.
At only $19 per month, a policy from State Farm is 45% less expensive than the state average. The average cost of car insurance in Vermont is $35 per month for minimum liability.
Cheapest VT liability car insurance companies
Company | Monthly rate |
|---|---|
| State Farm | $19 |
| Progressive | $35 |
| Allstate | $36 |
| Co-Op | $36 |
| Concord | $41 |
*USAA is only available to current and former military members and their families.
Active-duty military members, veterans and their families can get even cheaper quotes from USAA, at $18 per month.
Find Cheap Auto Insurance Quotes in Vermont
Cheap Vermont auto insurance for teens: State Farm
State Farm has the cheapest rates for young drivers in Vermont.
An 18-year-old driver pays $59 per month for minimum coverage from State Farm, and $161 for full coverage. That's nearly half what most teens in Vermont pay for coverage.
Drivers who are eligible for USAA can get even more affordable minimum-coverage rates.
At $43 per month, a policy with USAA is $16 per month cheaper than State Farm and $59 per month less than the state average. But USAA is only available to military members, veterans and their families.
Best VT auto insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $59 | $161 |
| Allstate | $71 | $402 |
| Concord | $82 | $180 |
| Co-Op | $108 | $423 |
| Progressive | $110 | $298 |
In Vermont, an 18-year-old driver pays nearly three times as much for car insurance as a 30-year-old driver.
That's because young drivers typically have only a few years of driving experience. That means they're more likely to make a mistake and cause a crash.
Younger drivers should share a policy with a parent or other older driver to get more affordable car insurance rates.
Cheapest Vermont insurance after a speeding ticket: State Farm
State Farm has the best quotes for drivers with a recent speeding ticket. A full coverage policy costs $55 per month, which is less than half the state average of $121 per month.
Company | Monthly rate |
|---|---|
| State Farm | $55 |
| Concord | $121 |
| Progressive | $126 |
| Nationwide | $133 |
| Co-Op | $136 |
On average, Vermont drivers can expect rates to go up by 18% after a single speeding ticket.
However, the rate increase varies depending on your insurance company. While State Farm only increases rates by 6%, drivers insured with Concord or Geico pay 29% more after a ticket. And Co-Op may not raise your rates at all after a single ticket.
Cheapest car insurance in VT after an accident: State Farm
State Farm offers the cheapest full coverage car insurance quotes in Vermont after an at-fault accident. Its average rate is $59 per month, which is 62% cheaper than the state average of $154 per month.
Company | Monthly rate |
|---|---|
| State Farm | $59 |
| Concord | $143 |
| Progressive | $156 |
| Nationwide | $162 |
| Co-Op | $196 |
Drivers in Vermont pay $51 per month more for full coverage after an accident than drivers with a clean record. That's an average increase of 51%.
Best quotes for teens after a speeding ticket or accident: State Farm
State Farm has the cheapest rates in Vermont for teen drivers after a speeding ticket or accident.
A minimum coverage policy for an 18-year-old costs $64 per month after one speeding ticket. That's $50 per month less than the state average, which is $114 per month.
Minimum coverage from State Farm costs $70 per month after an at-fault accident. That's $56 per month cheaper than the Vermont average for teens.
Cheap car insurance in VT for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| State Farm | $64 | $70 |
| Allstate | $79 | $109 |
| Concord | $105 | $122 |
| Co-Op | $108 | $128 |
| Progressive | $122 | $133 |
Young drivers can expect an 11% increase in their insurance quotes after a single speeding ticket. And teens pay 24% more for insurance after an at-fault accident in Vermont.
Cheap auto insurance in Vermont after a DUI: State Farm
State Farm offers the most affordable full coverage insurance for Vermont drivers with a DUI. At $109 per month, full coverage from State Farm is 46% cheaper than the state average of $201 per month.
Cheapest Vermont auto insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $109 |
| Progressive | $109 |
| Concord | $159 |
| Allstate | $208 |
| Nationwide | $209 |
Full coverage with a DUI from Progressive is only a few dollars more per year than State Farm.
However, State Farm has better customer service reviews. Great customer service is especially important for drivers with a DUI. That's because they're more likely to be in an accident in the future.
Insurance quotes in Vermont nearly double after a DUI. That's because insurance companies believe drivers with a DUI are more likely to file a claim.
Best car insurance for drivers with poor credit: Nationwide
Nationwide offers the best quotes for Vermont drivers with a poor credit score. Full coverage from Nationwide costs $149 per month, which is $26 per month cheaper than the Vermont average. It's also $16 per month less than the second-cheapest option, Geico.
Company | Monthly rate |
|---|---|
| Nationwide | $149 |
| Geico | $165 |
| Concord | $168 |
| Progressive | $173 |
| State Farm | $181 |
Vermont drivers with bad credit typically pay 70% more for car insurance than those with good credit. That's because car insurance companies believe these drivers are more likely to file insurance claims.
Best car insurance in Vermont
USAA has the best auto insurance in Vermont, based on its excellent customer service and cheap rates.
However, only active-duty military members, veterans and some of their family members can get car insurance from USAA.
Drivers who are not eligible for USAA should consider State Farm. It also earns excellent scores for customer support and offers affordable quotes for most Vermont drivers.
Best Vermont insurance companies
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Concord | NR | A+ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
Average Vermont car insurance quotes by city
Drivers in South Burlington, a suburb of the Burlington metro area, have the cheapest car insurance rates in Vermont.
Full coverage in South Burlington costs $100 per month, on average. Taftsville, a historic district in Hartford, has the highest rates at $106 per month.
Auto insurance quotes in Vermont by city
City | Monthly Rate | % from average |
|---|---|---|
| Adamant | $102 | -1% |
| Albany | $104 | 1% |
| Alburgh | $102 | -1% |
| Arlington | $104 | 1% |
| Ascutney | $103 | 0% |
Where you live can impact your auto insurance rates as much as your driving history. However, car insurance rates in Vermont don't differ much from city to city. Drivers in Taftsville pay only $6 more per month than drivers in South Burlington.
Vermont auto insurance requirements
Vermont requires drivers to have a minimum amount of car insurance. These minimum insurance limits, often listed as 25/50/10, pay for injuries to another driver and damage to their vehicle. They also cover your own bills if you're in an accident with a driver who doesn't have insurance or whose policy doesn't have enough coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $10,000 per accident
Vermont drivers should consider higher liability limits, as well as comprehensive and collision coverage. Minimum-coverage plans may not be enough to cover the cost of damage in an expensive accident. And it won't pay to repair any damage to your car.
What's the best car insurance coverage for VT drivers?
Full coverage car insurance in Vermont is three times as expensive as minimum coverage insurance on average.
That's mainly because full coverage insurance includes comprehensive and collision coverage.
- Collision coverage pays for damage to your car after a crash, regardless of whose fault it is.
- Comprehensive coverage pays for other types of damage, like theft, vandalism or extreme weather.
Full coverage also has higher liability limits than minimum coverage insurance. That can help you avoid a big bill if you cause an expensive accident.
Most lenders require you to have full coverage if you have a car loan or lease. You should also consider full coverage insurance if your car is less than eight years old, or worth more than $5,000.
Frequently asked questions
Who has the cheapest car insurance in Vermont?
State Farm has the cheapest auto insurance in Vermont. It offers minimum coverage insurance for $19 per month and full coverage insurance for $51 per month.
How much is car insurance in Vermont?
The average cost of car insurance in Vermont is $35 per month for a minimum coverage policy. The average cost for a full-coverage policy is $103 per month.
Who has the best car insurance in Vermont?
USAA is the best insurance company in Vermont based on its affordable quotes and consistently high customer service scores. State Farm is a great alternative for drivers who aren't eligible for USAA.
Is car insurance expensive in Vermont?
Vermont is the fourth-cheapest state for car insurance, compared to the rest of the country. One reason car insurance is so cheap in Vermont is that the state has few major cities and a low percentage of uninsured drivers.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Vermont for the largest insurance companies in the state. Rates are for a 30-year-old man who drives a 2015 Honda Civic EX with good credit.
Rates for a full coverage policy include liability limits above the minimum, plus collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $10,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.