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Cheap Auto Insurance Quotes in Vermont (January 2022)

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Last Updated: January 2022

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 companies 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 company reviews. The following are the top rated companies 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 companies. 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.

Quotes by Top Companies
Quotes ($/mo)
$84
$94
$140
$159
State FarmTravelersLiberty MutualThe General
Monthly $
CityCheapest Company
State FarmState Farm
$84/mo
State FarmState Farm
$82/mo
GEICO
$55/mo
AllstateAllstate
$47/mo
GEICO
$55/mo
AllstateAllstate
$47/mo
GEICO
$53/mo
GEICO
$55/mo
State FarmState Farm
$91/mo
State FarmState Farm
$88/mo
State FarmState Farm
$80/mo
GEICO
$55/mo
State FarmState Farm
$63/mo

Cheapest Liability Auto Insurance in Vermont

For drivers in Vermont, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Vermont. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Vermont.

Cheapest Full Coverage Auto Insurance in Vermont

For drivers in Vermont, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Vermont. The following are the best insurance rates from carriers that offer full coverage auto insurance in Vermont.

Vermont Driving Facts

vermont

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. 

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 Company
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 Company
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 Company
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 Company
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 Company
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

Insurify Insights: How Vermont Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Vermont drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

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. Among all fifty states, Vermont drivers rank 33 in the number of car accidents per driver.

  • Rank of States: #33
  • Percent of drivers in Vermont with an accident: 9.64%
  • Drivers in VT with an accident in their driving history paid on average 19.38% more than drivers with a clean record

Speeding in Vermont

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Vermont drivers rank 31 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #31
  • Percent of drivers in Vermont with a speeding ticket: 9.58%
  • Drivers in VT with a speeding ticket in their driving history paid on average 22.48% more than drivers with a clean record

DUI/DWIs in Vermont

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Vermont drivers rank 25 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #25
  • Percent of drivers in Vermont with a DUI: 1.93%
  • Drivers in VT with a DUI in their driving history paid on average 13.95% more than drivers with a clean record

Most Popular Vehicle in Vermont

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Vermont is the Toyota Corolla.

Rude in Vermont

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Vermont drivers rank 5 in rude driving infractions.

  • Rank of States: #5
  • Percent of drivers in Vermont with a reckless driving violation: 1.3%
  • Drivers in VT with a reckless driving violation in their driving history paid on average 26.36% more than drivers with a clean record.

Safest Drivers in Vermont

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Vermont drivers rank 20 in clean driving records across all fifty states.

  • Rank of States: #20
  • Percent of drivers in Vermont with clean record: 80.97%

Street Racing in Vermont

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Vermont drivers rank 39 in street racing violations per driver.

  • Rank of States: #39
  • Percent of drivers in Vermont with a street racing violation: --%

Failure to Yield the Right of Way in Vermont

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Vermont drivers rank 44 in failure to yield violations per driver across all fifty states.

  • Rank of States: #44
  • Percent of drivers in Vermont with a failure to yield violation: 0.25%
  • Drivers in VT with a failure to yield violation in their driving history paid on average 34.11% more than drivers with a clean record

Reckless Drivers 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. Among all fifty states, Vermont drivers rank 41 in the number of reckless driving offenses per driver.

  • Rank of States: #41
  • Percent of drivers in Vermont with a reckless driving offense: 0.06%

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.

Methodology

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.


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