Best Car Insurance in Vermont (2026)
State Farm, GEICO, and USAA offer the best car insurance policies in Vermont.
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4.7 / 515K reviews
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Written byLindsay VanSomeren
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
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Edited byMatthew Gross
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Matthew GrossEditor
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
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Finding good, affordable car insurance can be challenging. People have different needs and price points, and insurance companies vary in the services they offer. No single insurance company is the best for everyone, so you should make sure you’re getting the right coverage.
Insurify’s data experts crunched the numbers on 50 insurance companies to help you find the best car insurance in Vermont.
Best car insurance companies in Vermont
If you’re looking for high-quality insurance in the Green Mountain State, start with these companies.
State Farm: Best overall
| User Reviews | 4.2 |
|---|---|
| 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. | $17/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. | $33/mo |
4.2
Best choiceBased on 18,197 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 7,572 State Farm reviews
Verified Review
Reviewed in Florida on May 24, 2026
They are very helpful. It's easy to get them on the phone, and so far, they have the best price.
Verified Review
Reviewed in Michigan on May 24, 2026
Much more affordable with my new insurance company and best of all, they are polite and friendly.
Verified Review
Reviewed in Indiana on May 24, 2026
Too expensive - they doubled my payment.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is Vermont’s third-largest insurer of private passenger cars, covering about one out of every 10 drivers.[1] And while State Farm makes it easy to manage your policy online, it also has local offices in six cities around the state if you prefer to do things in person. Students attending one of Vermont’s 26 colleges and universities can also qualify for several discounts.
Pros
Highly rated mobile app
Cheap full-coverage and minimum-coverage policies
Ranked No. 2 for overall satisfaction in Vermont by J.D. Power
Cons
Gap coverage not available
Coverage for custom aftermarket equipment not available
Not available in Massachusetts and Rhode Island
GEICO: Best for insurer financial stability
| User Reviews | 4.2 |
|---|---|
| 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. | $49/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. | $96/mo |
4.2
Best choiceBased on 18,281 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 4 reviews from Vermont driversSee all 7,751 GEICO reviews
Verified Review
Reviewed in Vermont on February 15, 2026
The last two terms, my policy has gone up, not down, and I haven't had an accident.
Verified Review
Reviewed in Vermont on January 7, 2026
Our insurance with Geico does not end until Thursday, so I am unable to answer this. We were/are very happy with our experiences, but getting the same coverage for close to $300 less is very important to us.
Verified Review
Reviewed in Vermont on December 16, 2025
Reliable and you can trust.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO is one of Vermont’s most popular insurers, covering about 15% of all drivers. It’s easy to understand why. GEICO offers a wide range of insurance products you can bundle with your auto policy. It also has plenty of discounts — like saving 25% by insuring more than one car and 22% if you’ve gone five years without an accident.
Pros
AM Best financial strength rating of A++ (Superior)
Many discounts available
Many additional insurance products
Cons
Poorly ranked mobile app
Rideshare coverage not available
No in-person agent offices in Vermont
Dairyland: Best for SR-22 insurance
| 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. | 7.7 /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. | $63/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. | $261/mo |
4.0
Best choiceBased on 393 verified driver reviews and ratings
Dairyland's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about Dairyland
Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 185 Dairyland reviews
Verified Review
Reviewed in Oregon on May 21, 2026
Everything is fine. Worked out well. Great, thank you.
Verified Purchase
Reviewed in California on May 4, 2026
Excellent and convenient. Good rate.
Verified Review
Reviewed in Ohio on April 24, 2026
Prices are fair. Employees are great there.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.49
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Drunk driving kills dozens of people in Vermont every year, according to National Highway Traffic Safety Administration data. The state takes this seriously by requiring drivers convicted of a DUI to purchase stricter SR-22 insurance coverage. Finding an affordable SR-22 policy can be tricky, but Dairyland offers relatively cheap car insurance and quality coverage.
Pros
AM Best financial strength rating of A+ (Superior)
Several discounts available
Offers non-owner coverage for people without vehicles
Cons
Doesn’t insure vehicles more than 20 years old
Doesn’t sell other insurance types
Full-coverage policies may be more expensive
Foremost: Best for retirees
| User Reviews | 3.7 |
|---|
3.7
A solid optionBased on 28 verified driver reviews and ratings
Foremost's score | Industry average | |
|---|---|---|
| Coverage options | 3.5 | 3.2 |
| Customer service | 2.8 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.3 | 2.9 |
Best For
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Foremost has options for a variety of insurance needs. It was the first company to offer insurance for mobile homes and travel trailers. It also offers many other policies that retirees may find helpful, like coverage for scooters, second homes, golf carts, and luxury motor coaches.
Pros
Official AARP insurance partner
Many flexible coverage options
Nearly 30 local offices throughout Vermont
Cons
Poor Better Business Bureau (BBB) ratings
Policies not available online
Parent company — Farmers Insurance — ranked worst in Vermont for customer satisfaction by J.D. Power
USAA: Best for military and veterans
| 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. | 9.1 /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. | $35/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. | $68/mo |
4.0
Best choiceBased on 3,653 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about USAA
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,580 USAA reviews
Verified Review
Reviewed in Texas on May 23, 2026
Get a copy of the policy before you commit. The website is hard to navigate.
Verified Review
Reviewed in Florida on May 22, 2026
Fair pricing and good customer service, if you can get through the AI phone system to a real person!
Verified Review
Reviewed in Alabama on May 21, 2026
Average service, premiums are excessive, but good coverage.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
741
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA, also known as United Services Automobile Association, consistently rates highly in independent customer satisfaction surveys. The thousands of current and former military personnel living in Vermont can take advantage of the various discounts USAA offers. And it’s a great option if you’re looking for an insurance company that can double as your bank.
Pros
Many discounts and coverage options available
Highest J.D. Power customer satisfaction rating in Vermont and highest-rated mobile app
Full-service banking products also available
Cons
No local branches or agents
Not available without a military connection
Many customer complaints with the National Association of Insurance Commissioners (NAIC) and BBB customer complaints
Our editorial team analyzed regional and national auto insurance companies that sell policies in Vermont to assess which offers the best rates, coverage options, customer service, and savings. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Vermont
Use these time-tested ways to get cheap car insurance without sacrificing coverage quality.
Consider whether you need full coverage or minimum coverage
You may not need a full-coverage policy if you operate an older, less expensive vehicle. But if you can afford to replace your car if you total it in an accident, most insurance experts recommend dropping the extra coverage, since you don’t need it. Switching to a minimum-coverage policy can save you money.
Buy newer cars when possible
Newer cars typically have more safety features than older, cheaper cars. That makes full-coverage insurance policies more affordable than you might realize, since you have less chance of having to file a claim. Plus, many car insurance companies offer discounts for cars with safety features.
Bundle your insurance policies
Most car insurance companies offer other insurance products, like homeowners insurance and renters insurance. If you choose an insurer offering the insurance products you need, it’ll be easier to manage everything together. Most insurers also offer discounts for people who bundle multiple policies together.
Compare quotes from at least three insurance companies
Getting quotes from at least three insurance companies can save you money when shopping for coverage. It only takes a few minutes to compare rates from multiple insurers, and you’ll instantly see what you’ll get for the price. Having a point of comparison makes it easy to choose the best option.
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Average cost of car insurance in Vermont
Residents of the Green Mountain State pay an average monthly premium of $105 for coverage. That’s compared to an average of $142 per month for the rest of the U.S.
The average cost of Vermont car insurance could also change in the near future. A state law passed in 2023 commissioned a study of how auto repair practices affect car insurance costs, with results expected in early 2025.[2] State regulators could use this information to adjust how pricing works for auto insurance policies in Vermont.
Best car insurance in Vermont FAQs
Whether you’re looking for state-minimum coverage or a full-coverage policy, the answers to these commonly asked questions can help you ensure you’re getting the most from your auto insurance.
How much is car insurance in Vermont?
Vermont drivers pay an average of $105 per month for auto insurance. On average, liability-only coverage costs $58 monthly, and full coverage costs $151.
What are the best car insurance companies in Vermont?
State Farm, GEICO, Dairyland, Foremost, and USAA offer the best coverage in Vermont, according to Insurify data. These companies offer the best pricing, coverage options, and customer service.
What is the required auto insurance coverage amount in Vermont?
Vermont requires drivers to have an auto insurance policy with a liability limit of $25,000 per person (up to $50,000 per accident) or $10,000 for property damage.[3]
Sources
- National Association of Insurance Commissioners. "2023 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide."
- Repairer Driven News. "Vermont department fields comments about auto insurance practices, aftermarket parts."
- Vermont General Assembly. "Title 23: Motor Vehicles."
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Matthew GrossEditor
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego