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Cheap Car Insurance in Vermont (With Quotes, May 2022)
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4.8out of 3,000+ reviews
Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated May 10, 2022
How much you pay for car insurance can vary, sometimes by hundreds of dollars, based on which state you live in. It’s important to know exactly how much you’ll pay and we’ve gathered data to give you the cheapest options for car insurance in Vermont. Keep reading to learn more about how you can save on your car insurance with the cheapest options.
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The average cost of car insurance in Vermont is $142 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.
Buying car insurance shouldn’t break the bank—it should actually protect you from financial loss. And the good news? Finding affordable car insurance is possible. The chart below shows the monthly rates for 10 of the most affordable Vermont car insurance companies on average. But remember, you should always compare car insurance quotes to find your best personal rate.
Car Insurance Company | Average Monthly Quote |
---|---|
Acuity | $65 |
Kemper Preferred | $90 |
Progressive | $95 |
Travelers | $100 |
Safeco | $106 |
Nationwide | $117 |
Liberty Mutual | $128 |
Midvale Home & Auto | $135 |
The General | $159 |
Dairyland | $170 |
See More: Car Insurance Quotes
If you want the cheapest auto insurance rates, consider a liability-only insurance policy. Vermont’s minimum coverage requirement is liability insurance, which covers bodily injury liability and property damage liability. See the cheapest rates for the liability coverage for nine Vermont auto insurance companies below.
Car Insurance Company | Average Monthly Quote |
---|---|
Kemper Preferred | $26 |
Safeco | $57 |
Progressive | $65 |
Travelers | $71 |
Dairyland | $82 |
Liberty Mutual | $83 |
Midvale Home & Auto | $83 |
The General | $102 |
Nationwide | $112 |
For drivers seeking the most protection on the road, a full-coverage policy is the way to go. Although full-coverage options tend to cost a bit more than a liability-only policy, it can be worth the extra expense for peace of mind. Full-coverage auto insurance includes collision coverage and comprehensive coverage, which cover vehicle damage, and liability coverage.
Car Insurance Company | Average Monthly Quote |
---|---|
Acuity | $65 |
Kemper Preferred | $103 |
Travelers | $106 |
Progressive | $106 |
Safeco | $117 |
Nationwide | $119 |
Midvale Home & Auto | $144 |
Liberty Mutual | $145 |
The General | $207 |
Dairyland | $211 |
The price of insurance isn’t the only important factor to consider when shopping around. Choosing the best car insurance company can sometimes be more valuable than the cheapest. The table below shows the four best car insurance companies in Vermont based on their Insurify Composite Score.
Car Insurance Company | ICS | Average Monthly Quote |
---|---|---|
Nationwide | 89 | $117 |
Safeco | 86 | $106 |
Liberty Mutual | 82 | $128 |
Travelers | 80 | $100 |
See More: Best Car Insurance Companies
The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Your driving history is important when it comes to insurance. Getting speeding tickets, violations, DUIs, or being found at-fault in an auto accident will lead to higher car insurance rates in Vermont. Keep reading to find the cheapest options for drivers with varying records in Vermont.
See More: High-Risk Car Insurance Vermont
Car insurance companies typically define a good driver as someone with zero accidents or violations on their driving record within the last three to seven years. The cheapest car insurance option we found for good drivers is Acuity, with average rates of $65 a month. See the table below for more details on the cheapest options for good drivers.
Car Insurance Company | Average Monthly Quote |
---|---|
Acuity | $65 |
Kemper Preferred | $83 |
Progressive | $87 |
Travelers | $95 |
Safeco | $103 |
Nationwide | $116 |
Midvale Home & Auto | $119 |
Liberty Mutual | $126 |
The General | $153 |
Dairyland | $162 |
For drivers with DUIs on their driving record in Vermont, The General offers the cheapest average monthly quote at $76. It’s important to note that DUIs will often remain on your driving record for two to five years, which means you’ll see higher insurance rates for at least a few years after your violation.
Car Insurance Company | Average Monthly Quote |
---|---|
The General | $76 |
Safeco | $82 |
Travelers | $98 |
Liberty Mutual | $112 |
Midvale Home & Auto | $118 |
Dairyland | $199 |
See More: SR-22 Insurance Vermont
Not all insurance companies offer an SR-22, which is a form that the state of Vermont requires your insurance company files to prove your financial responsibility when you’ve committed certain violations (like a DUI). Below are the auto insurance companies we found that offer an SR-22 in Vermont.
Having an at-fault accident on your driving record signals that you’re a high-risk driver. As such, insurers charge you higher car insurance rates. For Vermont drivers with an at-fault accident on their record, Kemper Preferred is the cheapest option with an average monthly quote of $77. See the table below for other inexpensive options.
Car Insurance Company | Average Monthly Quote |
---|---|
Kemper Preferred | $77 |
Progressive | $87 |
Travelers | $111 |
Nationwide | $118 |
Safeco | $118 |
Liberty Mutual | $139 |
The General | $173 |
Midvale Home & Auto | $193 |
Dairyland | $208 |
Here’s another reason to not speed: it raises your car insurance rates. The cheapest average monthly quote for a driver with speeding tickets in Vermont is $54 with Acuity. Check out more options for affordable car insurance for drivers with speeding tickets below.
Car Insurance Company | Average Monthly Quote |
---|---|
Acuity | $54 |
Travelers | $122 |
Kemper Preferred | $130 |
Safeco | $134 |
Nationwide | $143 |
Progressive | $160 |
Liberty Mutual | $163 |
Midvale Home & Auto | $177 |
Dairyland | $200 |
The General | $205 |
In addition to your driving record, many car insurance companies will also take your credit score into consideration when determining your premiums. Drivers with a bad credit score in Vermont pay up to 54% more for car insurance than those with an excellent credit score. The table shows the average monthly cost for each credit tier in Vermont.
Credit Tier | Average Monthly Quote |
---|---|
Excellent | $117 |
Good | $125 |
Average | $145 |
Poor | $181 |
See More: Bad Credit Car Insurance Vermont
Even within the same state, car insurance rates can differ between cities. Larger cities tend to have more accidents, making average car insurance rates higher. The most expensive car insurance quotes in Vermont are found in South Burlington where you’ll expect to pay around $140. The cheapest city was Bennington with an average monthly quote of $114.
City | Average Monthly Quote |
---|---|
Bennington | $114 |
Rutland | $122 |
Battleboro | $129 |
Burlington | $130 |
South Burlington | $140 |
Your age is one of the most important factors insurers consider when determining your rates. Drivers in their 60s will have the cheapest average car insurance rates in Vermont, paying only $90. Those under 25 (especially teen drivers) are considered more prone to accidents or violations and typically pay the highest rates, anywhere from $225 to $283, as shown below.
Age Group | Average Monthly Rate |
---|---|
Teenagers | $283 |
Under 25 | $225 |
20s | $160 |
30s | $124 |
40s | $118 |
50s | $110 |
60s | $90 |
70s | $102 |
80+ | $127 |
Every state has minimum insurance requirements, and Vermont is no exception. Additionally, all drivers in Vermont will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Vermont.
Remember that minimums are named “minimums” for a reason. You may need to carry higher limits depending on your specific needs and driver profile.
The state of Vermont requires the following car insurance coverages:
That final requirement may or may not have a $150 deductible
The Vermont DMV approves address changes, provides temporary registrations and plates, administers permit and license testing, and renews or replaces driver’s licenses. All services provided at the Vermont DMV can be completed by mail or online.
Appointments are required for all locations in Vermont, though walk-ins may be accommodated based on availability. Make appointments online or by phone.
There are many local bus service routes throughout Vermont. The schedules and routes can be accessed online. You can also travel by train (via Amtrak) within Vermont and also long-distance to places like New York. The two Amtrak rail lines operated in Vermont are the Ethan Allen Express and the Vermonter.
Drive safe and smart to avoid adding violations or accidents to your driving record, and be aware of factors like good credit and location that can affect your rates; but remember that some things—like your age—are out of your control.
Some of the best advice for finding the cheapest car insurance in Vermont is to do your research. Luckily, you don’t have to do all the research yourself: Insurify finds the cheapest car insurance for you in under two minutes and compares official quotes from top insurance companies. It’s quick, easy, and completely free.
Yes, liability insurance is mandatory by law in Vermont for anyone driving or owning a motor vehicle. The required minimum liability insurance must provide $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property.
One word: research. To make your search easier, try Insurify, which finds the cheapest insurance options in under two minutes by comparing official quotes from top insurance providers. Keeping a clean driving record can also help you find the best rates.
Car insurance rates in Vermont vary based on factors discussed above but can range anywhere from $80 to more than $200 per month. Your driving record, where you live, and your age are just a few things that can determine how much you’ll pay for car insurance. Check out the tables above to see prices based on these factors and more.
Your driving record is the main factor for how much you pay for auto insurance. The safer you drive, the cheaper your insurance. Other factors driving up rates include the cost of living, frequency of accidents in an area, and cost of vehicle repairs.
No, personal injury protection (PIP) coverage is not required in Vermont.
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Vermont below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Vermont drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Vermont
State with the Most Speeding Tickets Rank
State with the Moving Violations Rank
State with the Most DUIs Rank
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Vermont is the #33 state in the country for drivers with an at-fault accident on their driving record.
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Vermont is the #31 state in the country for drivers with a speeding ticket on record.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Vermont is the #25 state in the country for drivers with a prior drunk driving conviction.
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Vermont is the #5 state in the country for drivers with a rude driving violation on record.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Vermont is the #41 state in the country for drivers with a reckless driving offense on record.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Vermont is the #44 state in the country for drivers with a failure to yield violation on record.
Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Vermont is the #20 state in the country for drivers with a clean record.
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.