How Much Is Car Insurance in Vermont? (2026)
Drivers in Vermont pay an average of $1,186 per year for car insurance.
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Writer: Janet Berry-JohnsonInsurance Writer, CPA
Writer: Janet Berry-JohnsonInsurance Writer, CPA
Qualifications:
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
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Quick Facts
Vermont drivers pay an average of $140 per month for full-coverage car insurance and $58 per month for liability-only coverage.
State Farm offers the lowest average rates in the state, at $17 per month for liability coverage.
Vermont’s average full-coverage quote dropped 2.3% in the first half of 2026. Insurify projects a 1.7% drop for the full year.
How much is car insurance in Vermont?
Vermont drivers pay an average of $140 per month, or $1,678 per year, for full-coverage car insurance. For liability-only coverage, Vermonters pay $58 per month, or $694 per year. Vermont drivers pay more than drivers in neighboring New Hampshire but less than drivers in Massachusetts. They also pay less than the nationwide averages of $187 per month for full coverage and $99 per month for liability-only coverage.
The table below shows the average monthly and annual quotes for different coverage levels in the Green Mountain State.
Coverage Type | Average Monthly Quote | Average Annual Quote |
|---|---|---|
| State-minimum coverage | $58 | $694 |
| Full coverage | $140 | $1,678 |
Disclaimer: Table data is based on real-time Vermont quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Minimum car insurance requirements in Vermont
Vermont requires liability insurance, which covers injuries and damage you cause to others. It also requires uninsured/underinsured motorist (UM/UIM) coverage, which covers your injuries when another driver doesn’t have insurance or doesn’t have high enough limits. Unlike many states, Vermont’s minimum UM/UIM limits are higher than its minimum liability limits.[1]
The table below shows Vermont’s state-mandated minimum limits.
Coverage Type | Vermont Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $10,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Uninsured/underinsured motorist property damage | $10,000 per claim (subject to a $150 deductible) |
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Cheapest car insurance companies in Vermont
State Farm, USAA, and GEICO offer the cheapest average liability-only car insurance quotes in Vermont. Liability-only policies typically cost less than full coverage because they pay only for injuries and damage you cause to others. They don’t cover repairs to your own vehicle.
Vermont’s rural makeup is at least partly responsible for Vermont’s affordability. Nearly two-thirds of residents live in rural areas, and no town has more than 50,000 people, according to state data.
The table below shows the insurance companies offering Vermont’s cheapest liability-only rates.
The below rates in Vermont are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $17 |
| USAA | $36 |
| GEICO | $49 |
| Safeco | $51 |
| Liberty Mutual | $58 |
| Dairyland | $65 |
| Allstate | $66 |
| The General | $68 |
Disclaimer: Table data sourced from real-time Vermont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Vermont may vary based on the policy buyer's unique driver profile.
Average Vermont car insurance rates by age
Insurance companies consider your age when setting rates because younger, inexperienced drivers tend to cause more accidents than experienced drivers. In Vermont, teen drivers pay an average of $319 per month for full coverage. That’s more than double the state average of $140. Meanwhile, senior drivers pay an average of $119 per month for full coverage.
Vermont’s graduated license laws work to reduce crashes, injuries, and deaths among teen drivers. Teens qualify for a Junior Driver’s License after having a learner’s permit for one year and logging 40 hours of supervised driving.
Junior Driver’s Licenses restrict the number of passengers in the vehicle for the first six months. Teens can get an unrestricted license at age 18 if they’ve had no recalls, suspensions, or revocations.[2]
The table below shows average monthly quotes for liability-only and full-coverage car insurance in Vermont for different age ranges.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Teens | $132 | $319 |
| Adults (40s) | $54 | $130 |
| Seniors | $49 | $119 |
Disclaimer: Table data is based on real-time Vermont quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Vermont
Your driving record shows insurance companies how likely you are to file a claim. In Vermont, 4% of drivers have a ticket on their record, 5% have an at-fault accident, and 0.6% have a driving under the influence (DUI) conviction, according to Insurify data.
Vermont tracks violations using a point system. Most moving violations add two to five points to your record. Serious offenses, like negligent driving, hit-and-run, and attempting to elude a police officer, add 10 points to your record.
If you accumulate 10 or more points within a year, the state can suspend your license for 10 days or more.[3]
The table below shows the average monthly car insurance premiums for Vermont drivers with different incidents on their driving record.
Driving Record | Average Monthly Quote in VT | % Increase Compared to Clean Driving Record |
|---|---|---|
| Clean driving record | $101 | N/A |
| With speeding ticket | $133 | 32% |
| With accident | $120 | 19% |
| With DUI | $323 | 220% |
Disclaimer: Table data is based on real-time Vermont quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
What affects car insurance rates in Vermont?
Beyond your driving record, Vermont’s laws, weather, and wildlife all affect what you pay for car insurance. Here’s how:
Credit history: Vermont allows insurance companies to use a credit-based insurance score while setting rates. Insurers can’t deny coverage, cancel, or non-renew a policy based on credit alone.[4]
Deer collisions: Drivers in Vermont have a 1-in-133 chance of being in a collision with an animal, according to State Farm’s annual analysis of animal collision data. October, November, and December are peak months for large-animal car accidents, though they can happen year-round.
Flooding: Floods are Vermont’s most common natural disaster because the state has many waterways fed by rain and snowmelt. Comprehensive coverage helps pay for flood-related vehicle damage.
Required UM/UIM coverage: Vermont requires all drivers to have uninsured/underinsured motorist coverage, and the minimum limits are higher than bodily injury liability coverage limits. This adds to the cost for even a minimum-coverage policy.
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How Vermont car insurance rates have changed over the past five years
Vermont car insurance rates fell 2.3% in the first half of 2026, though Insurify projects rate increases of about 0.6% for the rest of the year.
Statewide, car insurance rates climbed after the pandemic as driving returned to pre-pandemic levels and inflation raised repair costs. Rates peaked in the summer of 2024 but have since leveled off somewhat.
See More
To find car insurance rates in Vermont and the U.S. over the last five years, download our data here.
How to lower car insurance costs in Vermont
You have a few ways to cut car insurance costs in Vermont:
Compare regional insurers. Compare quotes from regional insurers like Vermont Mutual Insurance Group and Union Mutual with those from national insurers like State Farm, USAA, and Liberty Mutual. Rates for nearly identical coverage can vary by as much as 50%, according to the Vermont Department of Financial Regulation.
Ask for a credit re-review. Vermont law allows you to request a re-underwrite based on your current credit report or insurance score at renewal once every 12 months. Insurance companies must consider life events like job loss or divorce when you request it in writing.
Ask about car insurance discounts. Insurance companies may offer discounts for bundling your auto and homeowners insurance, taking a driver education course, or having factory-installed safety and security equipment in your vehicle.
Try the state’s fallback plan. If standard insurance companies turn you down because of your driving history or other high-risk factors, the Vermont Automobile Insurance Plan guarantees coverage. It’s not necessarily the most affordable option, but it can get you the state-mandated minimum coverage.[5]
Vermont average car insurance cost FAQs
You may have more questions about how much Vermont drivers pay for auto insurance, which companies are the cheapest, and how discounts work. Here are some answers.
Is car insurance expensive in Vermont?
No. Car insurance coverage is relatively affordable in Vermont. Drivers in the state pay an average of $140 per month for full coverage and $58 per month for liability-only coverage. That’s well below the national monthly averages of $187 and $99.
What is the cheapest car insurance company in Vermont?
State Farm offers the cheapest car insurance in Vermont, with an average liability rate of $17 per month. Other affordable insurers include USAA and GEICO.
Do insurance companies have to tell Vermont drivers about available discounts?
Yes. Vermont’s Regulation 78-1 requires insurance companies to include a notice of available discounts in personal auto policy packages. But your insurance agent might not know which specific discounts apply to you. It’s a good idea to review the list and ask about any that might apply to your situation.
How does Vermont’s average car insurance cost compare to the national average?
On average, Vermont drivers pay $99 per month for coverage, compared to the U.S. average of $143 per month.
Sources
- Vermont Department of Financial Regulation. "Consumer's Guide to Auto Insurance."
- Vermont Department of Motor Vehicles. "Graduated License Laws."
- Vermont.gov. "23 V.S.A. § 2506. Procedure."
- Vermont.gov. "8 V.S.A. § 4727. Personal insurance; use of credit information."
- AIPSO. "Vermont Automobile Insurance Plan."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Janet Berry-JohnsonInsurance Writer, CPA
Writer: Janet Berry-JohnsonInsurance Writer, CPA
Qualifications:
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.