Best Cheap Auto Insurance in Vermont (2023)

Bordered by Canada, New York, Massachusetts, and New Hampshire, Vermont has a rich history and plenty of natural beauty. Forests cover about 70% of the state, and its landscape includes 67 mountains, inspiring the state’s French name “Les Monts Verts,” or “Green Mountains.”

Vermont drivers pay some of the cheapest car insurance rates in the country, likely in part because of the state’s small size. In addition, the state boasts relatively high seat belt usage.^[1] But even in a state with great rates and conscious drivers, the insurance company you work with can have a big effect on your costs.

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Best car insurance companies in Vermont 

The exact cost of your car insurance premium will vary based on your age, location, driving record, marital status, and more. With so many factors at play, comparing quotes across multiple insurance companies can help you find the best rates for your situation.

Below is a closer look at some of the best insurance companies in Vermont to jump-start your search.

Best full-coverage insurance: Safeco

Best insurance for high-risk drivers: Dairyland

Best liability-only insurance: Liberty Mutual

Cheapest liability-only car insurance in Vermont

Liability-only car insurance covers both property damage and bodily injury liability. If you cause an accident, this type of insurance will help you pay for repair costs and medical bills of the other parties involved.

Notably, liability coverage won’t help you pay for your own medical expenses or vehicle repairs. This more limited coverage often comes with the lowest rates.

Explore the average rate for liability insurance by auto insurance company below:

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Insurance Company	Average Monthly Quote
State Farm	19
USAA	39
Safeco	41
Liberty Mutual	44
GEICO	55
Progressive	55
Dairyland	61
Allstate	68
The General	72
Nationwide	74

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Vermont

Full-coverage auto insurance provides comprehensive and collision coverage, as well as liability coverage. After a car accident, collision coverage helps you pay to repair or replace your own vehicle. If something other than an accident, like a hailstorm or fallen tree, damages your vehicle, comprehensive insurance will help you get back on the road.^[2]

With coverage from all angles, you’ll have more financial protection after an incident. Some drivers, like those who lease or finance their vehicle, may be required to carry this bolstered coverage. However, many drivers who aren’t required to carry this coverage may want to pay for the protection it provides.

Take a look at the average rates for full-coverage car insurance in Vermont below:

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	37
Safeco	77
USAA	77
Liberty Mutual	104
GEICO	109
Progressive	109
Midvale Home & Auto	111
Allstate	136
Foremost	140
Nationwide	147
The General	185
Dairyland	192

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Vermont

Vermont law requires Green Mountain State drivers to carry a minimum amount of car insurance. Without this minimum level of coverage, it’s illegal to drive on public roadways.

Here’s a breakdown of the coverage minimums in this at-fault state:^[3]

Carrying the minimum coverage determined by state law is a good place to start. But many drivers choose to carry more than the minimum liability coverage. Some optional protections you might opt for include:

Comprehensive coverage

If your car is damaged by anything other than a collision, comprehensive coverage can help you pay for the repairs. Possible incidents include fire, vandalism, and natural disasters.

Collision coverage

If you get in an accident, collision insurance will help you pay for repairs to your own vehicle.

Uninsured/underinsured motorist coverage

If you’re in an accident with a driver who isn’t carrying enough insurance, uninsured motorist coverage can help minimize the financial damages.

Cheapest car insurance for drivers with an incident

Drivers without an incident on their driving record tend to pay the cheapest car insurance rates. But if you make a mistake, that incident can lead to higher auto insurance premiums. For example, drivers with speeding tickets, driving under the influence, and at-fault accidents tend to pay more for insurance than drivers with a clean record.^[4]

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Cheapest car insurance for drivers with a speeding ticket

Speeding down a mountain road is an easy mistake to make. While the cost of the mistake starts with your ticket fine, the costs don’t end there. Instead, you’ll likely encounter higher insurance premiums due to the perceived risk insurers associate with speeding tickets.

Take a look at the average monthly quotes for drivers in Vermont with a speeding ticket:

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	56	29
Safeco	117	62
USAA	117	59
Liberty Mutual	158	67
GEICO	166	84
Progressive	166	84
Allstate	207	104
Nationwide	224	113
The General	282	110
Dairyland	293	93

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

Most insurance companies consider an at-fault accident on your driving record as a risk factor, which usually leads to higher premiums. After an at-fault accident, don’t be surprised by higher rates.

Below is a breakdown of the cheapest average monthly quotes for Vermont drivers with an at-fault accident:

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	54	28
Safeco	112	60
USAA	112	57
Liberty Mutual	151	64
GEICO	159	80
Progressive	159	80
Allstate	198	99
Nationwide	214	108
The General	269	105
Dairyland	279	89

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

A DUI is a serious moving violation and a major red flag to insurers. Drivers with a DUI on their driving record tend to pay significantly more for car insurance than drivers with a clean record. Some insurers might even cancel your coverage after a DUI conviction.

Explore the most affordable monthly rates for Vermont drivers with a DUI below:

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	61	31
Safeco	127	68
USAA	127	65
Liberty Mutual	172	73
GEICO	180	91
Progressive	180	91
Allstate	225	113
Nationwide	243	123
The General	306	119
Dairyland	318	101

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

With age comes driving experience, which most insurers reward for decades. After enjoying gradually declining rates starting between ages 25 and 35, senior drivers often see higher insurance rates around age 75.

If you’re a senior driver, shopping around can help you avoid overpaying for insurance. Check out the average monthly rates for senior drivers in Vermont below:

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	15	8
Safeco	32	17
USAA	32	16
Liberty Mutual	43	18
GEICO	45	23
Progressive	45	23
Allstate	56	28
Nationwide	61	31
The General	76	30
Dairyland	79	25

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teen drivers haven’t spent too much time behind the wheel. Most insurance companies account for this lack of experience with higher insurance premiums.^[5]

While young drivers tend to pay more for car insurance, there’s no reason to overpay. As a teen driver, consider staying on your parents’ insurance, maintaining good grades, taking an approved defensive driving course, and choosing a safe vehicle to minimize your car insurance costs.

Below is a look at the average monthly car insurance costs for young drivers in Vermont:

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	62	32
Safeco	129	69
USAA	129	65
Liberty Mutual	174	74
GEICO	182	92
Progressive	182	92
Allstate	228	114
Nationwide	246	124
The General	310	120
Dairyland	321	102

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Vermont

“A driver can save money on car insurance by reviewing coverage, pricing, and adjusting limits such as increasing deductibles or applying professional discounts,” says Nick Schrader, insurance agent and owner of Second Western Insurance.

Here’s a closer look at some of the savings strategies he recommends:

• Increase your deductible. A higher deductible often leads to a lower insurance premium. If you can afford the higher deductible, making this switch can lead to savings.

• Seek out discounts. Many insurance companies offer a suite of discounts to help you lower your rates. Some popular discounts are available for safe drivers, professional organization members, and good students.

• Shop around. Every insurance company has a slightly different method of determining your insurance premiums. This can lead to significantly different rates across insurance companies. If possible, compare multiple quotes online to lock in the cheapest rates for your situation.

• Stick to the minimums. Carrying the minimum amount of liability insurance won’t offer as much protection as full-coverage insurance. But if you want to keep your insurance costs lower, the average car insurance premiums are lower with minimal insurance.

Find Car Insurance in Vermont

Enter your ZIP codeGet My Quotes

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Based on 3,806+ reviews

4.8/5

Vermont car insurance quotes by credit tier

Vermont is one of several states that prohibits insurance companies from using a lack of credit history as a factor in your insurance premiums.^[6]

However, your credit score can still have an effect on rates. In general, drivers with excellent or good credit scores pay less for car insurance than drivers with poor credit scores.

If you have poor credit, giving it a boost could help you lock in cheaper auto insurance rates. A few strategies to improve your credit include paying your bills on time and checking your credit report for errors.

Vermont car insurance FAQs

Insurify Insights

How Vermont Drivers Measure Up

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:

Methodology

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.

Dodge Dakota

Most Popular Car in Vermont

#51

State with the Most Speeding Tickets Rank

#51

State with the Moving Violations Rank

#51

State with the Most DUIs Rank

#51

State with the most Suspended Licenses

• Accidents in Vermont

  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 #51 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #51
  • Percent of drivers in Vermont with an accident: 2.1%
• DUIs in Vermont

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Vermont is the #51 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #51
  • Percent of drivers in Vermont with a DUI: 0.2%
• Reckless Driving in Vermont

  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 #51 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #51
  • Percent of drivers in Vermont with a reckless driving offense: 0.1%
• Rude Driving in Vermont

  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 #51 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #51
  • Percent of drivers in Vermont with a rude driving violation: 0.2%
• Speeding in Vermont

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Vermont is the #51 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #51
  • Percent of drivers in Vermont with a speeding ticket: 1.3%
• Failure to Yield Rates in Vermont

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Vermont is the #51 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #51
  • Percent of drivers in Vermont with a failure to yield violation: 0%

Insurify Insights

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.