Cheap Auto Insurance Quotes in Vermont (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Green Mountain State.

Loading...

Compare vs Insurify

loading

As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Can drivers find sweet car insurance rates in the state of maple syrup and Ben & Jerry's?

Yes. 

Anyone who’s been to Vermont understands why Vermonters love their state: majestic mountains, sparkling blue lakes, and old-growth forests make Vermont's natural beauty hard to beat. Couple that with quality healthcare plus a ton of job opportunities and It’s no wonder Vermont is one of the most popular states to move to right now. If you're planning to move to the state of Freedom and Unity, or you're a native, it's a great idea to read on: the path to finding cheap auto insurance rates await you.

Cheapest Car Insurance in Vermont

Here are the cheapest carriers in Vermont for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Vermont.

Best Car Insurance in Vermont

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Vermont. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Vermont

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Vermont to find you the cheapest quotes in each of these metropolitan areas.

Burlington is Vermont's most populous city.

CityCheapest CarrierQuote
State FarmState Farm
$84/mo
State FarmState Farm
$82/mo
GEICOGEICO
$55/mo
AllstateAllstate
$47/mo
GEICOGEICO
$55/mo
AllstateAllstate
$47/mo
GEICOGEICO
$53/mo
GEICOGEICO
$55/mo
State FarmState Farm
$91/mo
State FarmState Farm
$88/mo
State FarmState Farm
$80/mo
GEICOGEICO
$55/mo
State FarmState Farm
$63/mo

Vermont Driving Facts

Minimum Car Insurance Requirements in VT

Understanding car insurance requirements is key to getting the best coverage at the best rate. Remember that minimums are named minimum for a reason. You may need to carry higher limits depending on your specific situation. 

The Vermont car insurance requirements are:

  • $25,000/$50,000 bodily liability coverage per person/accident
  • $10,000 property damage liability coverage
  • $50,000/$100,000 uninsured motorist bodily injury coverage
  • $10,000 Uninsured motorist property damage coverage

That final requirement may or may not have a $150 deductible depending on the coverage options you choose. Be sure to speak with your insurance agent if you have any questions. 

vermont

Cheapest Car Insurance Quotes in Vermont by Profile

Here are the cheapest insurance companies in Vermont based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Vermont drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Allstate offers the best options for good drivers in Vermont, at $47 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuotes
Allstate
$47/mo
GEICO
$53/mo
State Farm
$63/mo
Travelers
$87/mo
American Family
$127/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuotes
Concord Group
$34/mo
USAA
$36/mo
Progresive
$41/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuotes
USAA
$25/mo
Concord Group
$27/mo
Vermont Mutual
$28/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuotes
USAA
$21/mo
Concord Group
$23/mo
Cooperative
$23/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Vermont, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $16 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Vermont 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Vermonters lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuotes
USAA
$16/mo
Concord Group
$22/mo
Cooperative
$23/mo

SR‌-22 Insurance in Vermont

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Vermont on your behalf.

VT DMV Information

You’ll be required to complete several important tasks when you move to Vermont, so be sure to do so within the allotted time. This includes:

  • Change your out-of-state license within 30 days
  • Transfer your vehicle registration within 60 days
  • Transfer the registration of all recreational vehicles within 60 days

When you transfer your valid or less-than-one-year expired license to Vermont, you will still be required to complete an eye exam. To transfer your license, you’ll need to provide proof of:

  • Identity
  • Lawful status in the U.S.
  • Social security number
  • Vermont residency (your new address)

While you will need to do this at the Department of Motor Vehicles your first time around, you can use the online services to make an appointment. After everything is transferred, you can do many things online with the Vermont DMV, including:

  • Renew registrations
  • Change your address
  • Replace registration
  • Reinstate your license or registration

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Vermont

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Vermont offers many green driver incentives, including federal tax credits, reduced electric vehicle registration fees, and discounts through some car insurance carriers.

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Burlington

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Vermont is vital for all car insurance shoppers hitting the road in The Green Mountain State.

road with cars illustration

Road Rankings

24%Rural Roads in
Poor Condition

#6
Ranked

6%Structurally Deficient
Rural Bridges

#13
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#37
Ranked


FAQs - Vermont Car Insurance

How do I get car insurance quotes in Vermont?

Hands down, the best way to get car insurance quotes is to use a tool like Insurify to gather quote data for you in seconds. The reason Insurify is so great is that it: Gathers real quotes without giving out your personal information, allows you to adjust your coverage options and how this influences prices, shows you how to easily buy the option of your choice, usually within just a few minutes, allows you to save your profile for future shopping and set alerts for price drops in the future. Don’t forget: you can always (with very few exceptions) change your car insurance company at any point in the policy and without receiving any fees. 

Which company offers the best car insurance in Vermont?

What is best for you is likely not going to be the best for your neighbor because everyone’s situation is different. That’s why the best car insurance company will absolutely depend on your preferences, your budget, where you live and your driving record. 

Who has the cheapest car insurance in Vermont?

The best way to find the cheapest car insurance for Vermont drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.