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Vermont Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In Vermont?

On average, car insurance rates for drivers in Vermont are $142 per month, and $1705 per year. The average rates make Vermont the 47th most expensive state in the country for car insurance rates and 57% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $14250%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Vermont Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Vermont and has selected the following providers and quotes as the best rates for drivers in Vermont.

Cheapest CompaniesQuotes
Allstate$47
GEICO$53
State Farm$63
Travelers$87
American Family$127

Vermont Car Insurance Rates by City

For drivers in Vermont, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Vermont.

CityAvg. Monthly Rate
Bennington$121
Brattleboro$132
Burlington$133
Colchester$127
Essex Junction$121
Milton$157
Rutland$118
Saint Albans$97
South Burlington$137

What Is the Average Cost of Car Insurance in Vermont by Age?

As is the case in many states, the young drivers of Vermont have to put up with steep car insurance premiums. In fact, on average, the teens of Vermont pay a whopping $309 per month for car insurance. Luckily, this average rate goes down by nearly half for drivers in their 20s, who pay only $166 per month.

Rates hit their lowest average for drivers in their 60s, who pay only $88 per month on average. That’s one of the best rates you’ll find in the country—and more than $50 less than Vermont’s already reasonable state average.

AgeAvg. Monthly Rate
Teens$309
20s$166
30s$120
40s$126
50s$107
60s$88
70s$101
>80s$131

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What Is the Average Cost of Car Insurance in Vermont by Gender?

In general, Vermonters pay a pretty reasonable price for car insurance. When it comes to gender, men pay about $7 more than women on average.

GenderAvg. Monthly Rate
Male$145
Female$138

Does Marital Status Influence the Average Cost of Car Insurance in Vermont?

In Vermont, drivers already have the luxury of low car insurance rates. And if you’re a married driver in Vermont, you can expect to pay even lower prices. At $110 per month, married drivers have some of the lowest rates in the country. Meanwhile, single drivers pay $153 per month, which is $11 above Vermont’s state average for car insurance.

Marital StatusAvg. Monthly Rate
Married$110
Single$253

What Are the Minimum Car Insurance Requirements in Vermont?

In general, Vermont’s required policy limits are similar to those of most other states. The state requires $25,000 in bodily injury liability per person and $50,000 per accident. So if someone is harmed in an accident where you are at fault, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers in Vermont must have $10,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident.

But that’s not all. Vermont also requires $50,000 in uninsured/underinsured motorist bodily injury per person and $100,000 per accident. This will help you out if you get in an accident with a driver who doesn’t have car insurance or whose policy limits do not cover the costs associated with the accident. Additionally, Vermonters must have $10,000 in uninsured motorist property damage coverage.

vermont

How Does Credit History Affect Vermont Car Insurance Rates?

Vermont allows car insurance companies to consider your credit score when determining your car insurance rates. So as you can imagine, those with an excellent credit history have a much easier time, on average, getting cheap car insurance rates. Those with an excellent history pay $129 per month, compared to $160 per month for those with a poor credit history. Drivers with an average or good credit history are in the middle of things, at $144 per month and $137 per month, respectively.

Credit HistoryAvg. Monthly Rate
Poor$160
Average$144
Good$137
Excellent$129

What Is the Average Cost of Car Insurance in Vermont for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Vermont will pay $63 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $1. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$129
At-Fault Accident$130
Speeding$192

Tips for Researching Vermont Car Insurance Rates

Car insurance prices are based on a variety of unique factors and vary from state to state. With a wide range of trusted carriers offering their services in Vermont, drivers in the Green Mountain State will want to make sure they’re comparing rates so that they can find the right policy for their budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

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FAQs - Vermont Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Vermont. 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.

  • The way to find the carrier with the best auto insurance ratings in Vermont and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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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.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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