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Average Cost of Car Insurance in Vermont (With Quotes, Updated May 2022)

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Katie Powers

By: Katie Powers

Edited by Jackie Cohen

Last Updated June 24, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Quick Facts

  • Average car insurance rates in Vermont are $135 per month and $1,620 per year.
  • Vermont drivers under the age of 25 pay the highest rates for auto insurance.
  • Auto insurance rates in Vermont vary in cost on a city-by-city basis.

On average, Vermont drivers pay $135 monthly ($1,620 yearly) for a car insurance policy, which is less than the national average of $233 monthly ($2,796 yearly). On an individual level, insurance providers determine annual rates based on factors like driving history, credit history, marital status, gender, age, vehicle type, chosen coverage level, set deductible, and more.

Shopping around for numerous auto insurance quotes is an easy way to ensure you find affordable car insurance that meets your individualized needs. The Insurify car insurance quote-comparison tool allows you to compare dozens of national and regional auto insurers in a matter of minutes. Give it a try today to find the best rates and learn how much you can save.

How much does car insurance cost in Vermont?

What is the average cost of car insurance in Vermont?

Vermont drivers spend an average of $135 per month and $1,620 per year on car insurance. Annual premiums vary based on factors that assess risk levels, including driver history, credit history, age, vehicle type, coverage levels, and more.

State average auto insurance rates in Vermont are $135 per month and $1,620 per year, which is lower than the national average rates of $233 per month and $2,796 per year. Ultimately, auto insurance rates fluctuate on a driver-by-driver basis, depending on driver history, credit history, marital status, age, gender, marital status, vehicle type, city of residence, and coverage levels.

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Best Vermont Auto Insurance Rates

No one-size-fits-all auto insurance provider exists, which is why it’s crucial for you to consider all of your insurance options. We identified the best car insurance companies offering the cheapest premiums available in Vermont to help you jump-start your auto insurance journey. Keep in mind auto insurers will consider a number of factors when calculating rates.

Insurance ProviderAverage Monthly Premium
Travelers$100
Progressive$100
Nationwide$118
Liberty Mutual$126
Dairyland$166
Kemper Preferred$89
Safeco$104
Acuity$117
Foremost GroupSelect℠$135
Midvale Home & Auto$140
The General$167

How are insurance rates calculated in Vermont?

Vermont auto insurance companies consider varying factors while calculating premiums for their policyholders. Common factors that influence rates include driving history, credit history, age, marital status, gender, vehicle type, and location. Specific to individual insurance providers, rates will also be impacted by chosen coverage levels, deductibles, bundling, and more.

Vermont Car Insurance Rates by City

Though the average monthly rate for car insurance in Vermont is $135, rates fluctuate on a city-by-city basis. Area-specific factors, like infrastructure, crime rates, population, weather, and climate, impact the average insurance rates in cities throughout Vermont. Find the average monthly car insurance premiums for Vermont’s most populated cities in the chart below.

CityAverage Monthly Premium
Barre$118
Bennington$115
Brattleboro$126
Burlington$145
Colchester$130
Essex Junction$132
Hartford$35
Middlebury$118
Milton$159
Montpelier$136
Northfield$144
Rutland$125
Saint Albans$123
Saint Johnsbury$143
Shelburne$193
South Burlington$144
Springfield$157
Swanton$148
Williston$123
Winooski$149
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

What is the average cost of car insurance in Vermont by credit tier?

Auto insurers often consider credit history as an indicator of the reliability and financial stability of policyholders. Insurance providers reward Vermont drivers with excellent credit with the cheapest rates. However, Vermont drivers with good and average credit pay more than drivers with low credit scores, potentially due to drivers with poor credit owning less expensive vehicles.

Credit TierAverage Monthly Premium
Poor Credit$139
Average Credit$147
Good Credit$143
Excellent Credit$122

What is the average cost of car insurance in Vermont by driver age?

Young drivers under the age of 25, especially new and teen drivers, pay the highest rates for auto insurance in Vermont and throughout the country. Drivers over 25 and under 70 experience consistently decreasing rates with age since insurance providers value their driving experience.

Older drivers over 70 tend to pay slightly increasing rates for auto insurance coverage.

Average Cost of Car Insurance in Vermont by Driver Age
Drivers under 25$220
20s$157
30s$121
40s$116
50s$109
60s$94
70s$101
80s and older$124
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

What is the average cost of car insurance in Vermont by driver gender?

In the United States, women often pay lower rates for car insurance than men due to safer driving practices and purchasing smaller, less expensive vehicles. Statistically speaking, women have fewer car accidents than men. That being said, this cost difference by gender in Vermont is currently minuscule, with women paying an average of $3 less per month for auto insurance.

Average Monthly Quote for Women in VermontAverage Monthly Quote for Men in Vermont
$137$140
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

What is the average cost of car insurance in Vermont by marital status?

Strangely enough, married couples often pay less for auto insurance than their single peers. Insurance providers tend to view married couples as lower-risk policyholders due to perceived financial stability and reliability. In Vermont, single drivers pay an average of $28 more per month than married policyholders.

Average Monthly Quote for Singles in VermontAverage Monthly Quote for Married Couples in Vermont
$147$119
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

What is the average cost of car insurance in Vermont for high-risk drivers?

A policyholder’s driving record is one of the most important influences on auto insurance rates. Good drivers with clean driving records in Vermont pay the lowest car insurance rates, while high-risk drivers pay more. Individuals with a DUI, at-fault accident, or speeding ticket pay significantly higher auto insurance rates than those with clean driving records.

Driver ProfileAverage Monthly Premium in Vermont
Clean Record$125
DUI$171
At-Fault Accident$170
Speeding Ticket$176
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Vermont Car Insurance Rates by Coverage Level

Coverage levels impact insurance prices in Vermont. State required minimum liability coverage for bodily injury liability and property damage liability provides the lowest rates and prevents drivers from being uninsured motorists. Insurance rates for more robust coverages, like comprehensive coverage, collision coverage, and full-coverage car insurance, cost more.

Coverage LevelAverage Monthly Premium in Vermont
Liability Only$84
Comprehensive$108
Collision$107
Full Coverage$158
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Minimum Car Insurance Requirements in Vermont

All motor vehicles operated or parked on Vermont roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Vermont[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Vermont is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per person for uninsured/underinsured motorist bodily injury
  • $100,000 per accident for uninsured/underinsured motorist bodily injury
  • $10,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Vermont, this coverage is required for both bodily injury and property damage.

Tips for Getting the Cheapest Car Insurance in Vermont

Shopping around for all of your insurance options prior to purchasing or renewing an auto insurance policy is an easy way to find cheap rates for coverage that meets your individualized insurance needs. With the Insurify car insurance quote-comparison tool, you can compare cheap rates from the comfort of your couch. Try it out today to find big savings.

Frequently Asked Questions

  • Yes, insurance rates fluctuate based on your county or city of residence in Vermont. Area-specific factors, like infrastructure, state insurance requirements, crime rates, population, weather, and climate, influence insurance rates on a city-by-city basis. Insurance providers consider those area-specific factors when assessing risk levels and determining rates.

  • The average cost of car insurance in Vermont is $135 per month and $1,620 per year, which is lower than the national average rate of $233 per month and $2,796 per year. Ultimately, average rates vary depending on driving history, credit history, age, marital status, gender, vehicle type, city of residence, and homeowner status. Minimum coverage limits cost the least per month.

  • On average, Vermont drivers pay $135 per month, which is lower than the national average rate. Auto premiums depend on factors that affect overall rates. Vermont drivers facing higher rates include young drivers; those with a full coverage policy; policyholders with one or more recorded DUI, at-fault accident, or speeding ticket; and drivers with poor credit.

  • To find cheap car insurance in Vermont, shop around for numerous insurance options before purchasing or renewing an auto insurance policy. With the Insurify quote-comparison tool, you can easily compare insurance quotes from top national and regional providers. The best part? The entire process can be completed in minutes from the comfort of your couch.

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  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Katie Powers
Katie Powers
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Insurance Writer

Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

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Sources

  1. The Vermont Assembly. "State Minimum Car Insurance Requirements." Accessed May 28, 2022