120+ more*Quotes generated for Insurify users from Vermont within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Vermont within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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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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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Car insurance in Vermont is much cheaper than the national average, both for liability and full coverage. Drivers in Vermont pay a monthly average of $62 for liability-only insurance and $128 for full-coverage car insurance. Nationally, drivers pay an average of $99 for liability and $173 for full coverage.
Take a look at the table below to see the cheapest car insurance companies in Vermont for different driver profiles. The monthly quotes below reflect liability-only quotes unless otherwise specified.
Driver Category | Cheapest Insurance Company in VT | Cheapest Monthly Quote in VT |
|---|---|---|
| Overall | State Farm | $19 |
| State-minimum coverage | State Farm | $19 |
| Full coverage | State Farm | $31 |
| Drivers with a clean record | State Farm | $19 |
| After a speeding ticket | State Farm | $23 |
| After an at-fault accident | State Farm | $23 |
| After a DUI | State Farm | $27 |
| Teen/new drivers | State Farm | $40 |
| Seniors | State Farm | $15 |
| Bad credit | State Farm | $27 |
State Farm has the cheapest liability-only car insurance in Vermont. The insurer offers an average monthly liability rate of only $19, which is much lower than the state average of $62 for liability insurance.
Keep in mind that this low premium only includes coverage for Vermont’s minimum required bodily injury liability, property damage liability, and uninsured/underinsured motorist (UM/UIM) coverage.
Check out how liability-only car insurance rates compare from the cheapest car insurance companies in Vermont.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $19 |
| USAA | $40 |
| Safeco | $51 |
| GEICO | $56 |
| Dairyland | $63 |
| Allstate | $70 |
| The General | $71 |
| Nationwide | $76 |
| Liberty Mutual | $82 |
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Mallory Mooney
Director of Sales and Service
In Vermont, you need more than the state-minimum required car insurance if you want financial protection for your vehicle in case of a car accident, storm damage, or theft. Without collision and comprehensive coverage, you’ll have to pay for any of your vehicle repairs on your own. These costs can add up quickly. Purchasing a full-coverage policy is a good way to protect your finances.
State Farm offers the cheapest full-coverage car insurance in Vermont, with an average cost of $31 per month. This is lower than Vermont’s average full-coverage insurance rate of $128 per month.
Full-coverage policies typically include higher liability coverage limits, as well as comprehensive and collision coverage to protect your vehicle from accidents, severe weather, vandalism, theft, and other risks.
A full-coverage policy’s comprehensive coverage component can help protect your vehicle from risks in the Green Mountain State, like hail from summer storms and deer-vehicle collisions on the highway.[1] You may also want to consider additional coverages like gap insurance if you have an auto loan from a lender.
Below, you can see full-coverage car insurance rates from the cheapest car insurance companies in Vermont.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $31 |
| USAA | $65 |
| GEICO | $92 |
| Safeco | $99 |
| Allstate | $115 |
| Nationwide | $124 |
| Liberty Mutual | $141 |
| The General | $184 |
| Dairyland | $260 |
*Quotes generated for Insurify users from Vermont within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Vermont within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
State Farm, USAA, and GEICO are a few of the best car insurance companies in Vermont for the average driver. Below, you can learn what each insurer does best and how they compare.
When comparing quotes, remember that the cheapest insurer isn’t necessarily the best. It’s important to choose an affordable Vermont auto insurer that has the coverage you need.
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $19/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $31/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm has some of the lowest average car insurance premiums in Vermont, making it the best choice for affordability. The company lets you bundle homeowners and renters insurance, which can help you save on coverage costs.
State Farm also has local agents in 19 cities across the state, making it easy for drivers to get quality customer service locally. The car insurance company also earns an above-average customer satisfaction ranking in the New England region from J.D. Power.
Highly rated mobile app
Many local offices in Vermont
Ranked 5th overall for customer satisfaction in New England by J.D. Power
Doesn’t offer gap coverage
Coverage for custom aftermarket equipment not available
Fewer discounts than some competitors
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $65/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
USAA is the best car insurance company for Vermont’s more than 30,000 veterans and their families. For active-duty members, USAA offers exclusive coverage and discounts, including 15% off coverage for parking on base. It also consistently scores high in customer satisfaction, making it a great choice for any drivers who qualify.
Highest J.D. Power customer satisfaction rating in New England
Highest-rated mobile app
One of the cheapest insurers in Vermont
Available only for military members, veterans, and eligible family members
No local branches or agents
Poor customer rating on Trustpilot
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $92/mo |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO is one of the best insurers for discounts, offering nearly two dozen car insurance discounts in Vermont. The auto insurer is very popular in the Green Mountain State, covering more than 14% of Vermont’s drivers. GEICO is a great choice for Vermont drivers looking to maximize their savings through discounts without sacrificing quality.
Offers numerous discounts
One of the cheapest insurers in Vermont
Ranked 4th overall for customer satisfaction in New England by J.D. Power
Doesn’t offer rideshare coverage
No in-person offices in Vermont
Poorly ranked mobile app
Car insurance costs in Vermont had the 8th-highest premium increase in the U.S. in 2025, with average premiums rising 3%. This increase is in part due to a higher number of claims and a higher average claim cost driven by catastrophic storms, rising repair costs, inflation, and more.[2]
The average annual cost of car insurance in Vermont is $741 for liability insurance and $1,531 for full coverage. That said, Insurify estimates that the average cost of coverage in the state will be $1,595 by the end of 2026.
Take a look at the table below to see how average car insurance rates in Vermont have changed during the last five years.
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Insurify partners with top auto insurers for real quotes
Every driver in Vermont must have a certain minimum amount of liability car insurance before getting behind the wheel. Specifically, Vermont drivers must have minimum amounts of bodily injury liability, property damage liability, and UM/UIM coverage. Failure to maintain car insurance in Vermont can result in a $500 fine.[3]
Here are the minimum liability car insurance requirements in the Green Mountain State.
Coverage Type | Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $10,000 per accident |
| UM/UIM bodily injury | $50,000 per person / $100,000 per accident |
| UM/UIM property damage | $10,000 per accident |
Your car insurance rates in Vermont will depend on where you live in the state. Insurify doesn’t have rate data for different cities in Vermont, but your insurer will consider location-based risk factors in your city and ZIP code.
For example, Burlington drivers may pay more for car insurance than Stowe drivers because Burlington has a much higher population density. Burlington’s higher density can increase traffic congestion and accident risks.
In Vermont, people with a clean driving record typically pay less than drivers with infractions. State Farm offers the lowest rates for drivers with clean records in Vermont, with an average monthly rate of $19 for a liability-only policy.
Take a look at the table below to see the cheapest liability insurance rates for drivers with good credit and a clean record in Vermont.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $17 |
| USAA | $36 |
| Safeco | $51 |
| GEICO | $52 |
| Dairyland | $55 |
| The General | $62 |
| Allstate | $65 |
| Nationwide | $67 |
| Liberty Mutual | $80 |
In Vermont, 3.76% of drivers have a speeding ticket on their record, according to Insurify data, and they’re likely to pay more for car insurance than drivers with clean records. Points from speeding tickets stay on your record for two years in Vermont.[4]
But you can still find reasonable rates after a speeding ticket in Vermont with insurers like State Farm and USAA.
Check out the table below to see the cheapest liability-only quotes for drivers with a speeding ticket in Vermont.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $23 |
| USAA | $50 |
| Safeco | $65 |
| GEICO | $71 |
| Dairyland | $76 |
| Allstate | $88 |
| The General | $92 |
| Nationwide | $95 |
| Liberty Mutual | $101 |
According to Insurify data, 4.55% of drivers in Vermont have an at-fault car accident in their driving history. Fatal car accidents increased slightly in Vermont in 2025, a factor insurers likely consider in their risk assessments.[5]
An at-fault accident almost always increases car insurance rates, especially since Vermont is an at-fault state. But some insurers still offer affordable average rates, including State Farm, USAA, and GEICO.
Take a look at the table below to see the cheapest car insurance rates for drivers with an at-fault accident in Vermont.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $23 |
| USAA | $50 |
| Safeco | $66 |
| GEICO | $67 |
| Dairyland | $77 |
| Allstate | $87 |
| The General | $91 |
| Nationwide | $95 |
| Liberty Mutual | $101 |
Only 0.63% of drivers in Vermont have a DUI, Insurify data shows, but those drivers will likely pay significantly higher rates than most drivers on the road. Vermont penalties for a DUI include losing your license, fines and court costs of up to $6,500, and jail time of up to two years.[6]
Insurers weigh DUIs heavily when determining car insurance rates, and you’ll need to find an insurer that will file an SR-22 certificate for you, as required by Vermont law.
Take a look at the table below to see the cheapest liability rates for drivers with a DUI in Vermont.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $27 |
| USAA | $57 |
| Safeco | $78 |
| GEICO | $79 |
| Dairyland | $90 |
| Allstate | $100 |
| The General | $102 |
| Nationwide | $109 |
| Liberty Mutual | $118 |
You may need an SR-22 certificate in Vermont if you have infractions like DUIs, driving without insurance, and reckless driving.[7] Once you find an insurer to cover you, you’ll need to request that your insurance agent file an SR-22 for you with the Vermont Department of Motor Vehicles.
You’ll likely pay higher rates than usual for auto coverage after a DUI. Check out the table below for the cheapest rates for drivers with SR-22 insurance in Vermont.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $24 |
| USAA | $51 |
| Safeco | $65 |
| GEICO | $71 |
| Dairyland | $80 |
| Allstate | $89 |
| The General | $90 |
| Nationwide | $97 |
| Liberty Mutual | $104 |
Compare auto insurance quotes from top insurers
Teen drivers pay some of the highest rates of any drivers, and Vermont is no exception. In fact, from 2002 to 2021, fatal crashes involving teen drivers decreased by 38% nationwide, but only by 12.5% in Vermont.[8]
Insurers charge teen drivers more because they typically pose a greater risk behind the wheel.
Vermont teens pay monthly averages of $136 for a liability policy and $279 for a full-coverage policy, according to Insurify data.
Check out the table below to see the cheapest liability-only rates for teen drivers in Vermont.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $82 |
| State Farm | $84 |
| Progressive | $111 |
| Bristol West | $111 |
| National General | $120 |
| Direct Auto | $127 |
| GEICO | $132 |
| Allstate | $139 |
| Nationwide | $143 |
| Trexis One | $144 |
| Mendota | $145 |
| Root | $149 |
| Safeco | $159 |
| First Acceptance | $162 |
| GAINSCO | $172 |
| Travelers | $177 |
| Shelter | $216 |
| Dairyland | $228 |
| Hugo | $239 |
| Liberty Mutual | $275 |
Senior drivers pay some of the cheapest rates in Vermont, averaging $52 per month for liability coverage and $106 per month for full coverage.
Once drivers get to their late 60s and 70s, rates often increase, as nearly 41% of vehicle deaths in Vermont in 2024 involved drivers over the age of 65.[9]
Take a look at the table below to see the cheapest liability insurance rates for senior drivers in Vermont.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $15 |
| USAA | $32 |
| GEICO | $44 |
| Safeco | $44 |
| Dairyland | $52 |
| Allstate | $56 |
| Nationwide | $57 |
| The General | $59 |
| Liberty Mutual | $67 |
Vermont law allows insurers to use credit history information when writing policies, meaning that your credit history can affect your rates. While insurers can’t deny you coverage solely based on your credit history, they can use it as part of a larger credit-based insurance score to determine coverage.
Drivers with bad credit often pay more than drivers with good credit, but affordable rates are still available.
Compare the cheapest liability insurance rates for drivers with bad credit in Vermont.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $27 |
| USAA | $49 |
| Safeco | $63 |
| GEICO | $69 |
| Dairyland | $78 |
| Allstate | $86 |
| The General | $87 |
| Nationwide | $94 |
| Liberty Mutual | $98 |
Compare quotes from 120+ auto insurers
If you’re shopping for cheap car insurance in Vermont, check out the additional information below as you compare your coverage options.
The minimum car insurance requirements in Vermont are $25,000 per person and $50,000 per accident for bodily injury liability, $10,000 per accident for property damage liability, and equal amounts of UM/UIM coverage for bodily injury and property damage.
Car insurance in Vermont costs an average of $62 per month for a liability policy and $128 per month for a full-coverage policy. You may find a lower rate by shopping around for coverage and increasing your deductible.
State Farm, USAA, and GEICO are three of the best car insurance companies in Vermont. All of these insurers offer a combination of affordability and reliability, making them good choices for many drivers. The right company for you may be different, so it’s important to compare car insurance quotes from multiple insurers before buying a policy.
State Farm has the cheapest car insurance in Vermont, with an average monthly rate of $19 for liability insurance and $31 for a full-coverage policy.
No. Vermont isn’t a no-fault state. It uses a fault-based system, meaning the driver who caused the accident is on the hook for any injuries or damages.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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)
)
)
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)
)
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
