Best Car Insurance in Vermont (2025)
State Farm, GEICO, and USAA offer the best car insurance policies in Vermont.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited byMatthew Gross
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Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Reviewed byDaniel Roccato
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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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Table of contents
Table of contents
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 | 4.1 |
|---|---|
| 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. | $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. | $108/mo |
4.1
Best choiceBased on 12,873 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,604)
Dale
Verified Review
Shopping for other insurance
Reviewed in Alabama on December 2025
I do not think State Farm is as transparent with all of their discounts as they should be. Also, I have asked for help in finding an agent within my home county and still have not received any information. Thanks, Dale.
Jack
Verified Review
Meh
Reviewed in New Jersey on December 2025
Beware of large rate increases.
Barbara
Verified Review
My Car Insurance
Reviewed in New Jersey on December 2025
I like you guys. I have no problem with you guys.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 | 4.0 |
|---|---|
| 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. | $61/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. | $85/mo |
4.0
Best choiceBased on 13,483 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,918)
Bernard
Verified Review
The Geico Advantage
Reviewed in North Carolina on December 2025
Geico allows you to pay for four months and receive six months of coverage. That's why I have been with Geico since 2016. So, for 8 months, I pay for 12 months of coverage, and I have four months where I don't pay anything.
Leonard
Verified Review
Need help with cost
Reviewed in Georgia on December 2025
Searching for a new provider due to cost.
Susan
Verified Review
Excellent
Reviewed in Texas on December 2025
Great service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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. | $314/mo |
4.0
Best choiceBased on 345 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (174)
Keith
Verified Review
Dairyland's Pricing and Cancellation Policies
Reviewed in Florida on December 2025
Dairyland's policy seems to adhere strictly to company pricing lines, making it difficult for customers to afford. They also threaten policy cancellation every month without fail.
Vicki
Verified Review
I Need Affordable Insurance
Reviewed in Arizona on November 2025
Every year when my policy ends, they increase my rates. I've never had an accident, I'm 64 years old, I've been driving for many years, and my vehicle is old. I've never had a DUI. Now I have moved to a different zip code in the same state, but my rate is increasing again. I can't afford this company.
Janice
Verified Purchase
Great service.
Reviewed in South Dakota on November 2025
I have had Dairyland Insurance for 2 months. Signing up was very easy and fast. I quickly received my documents and cards. I would recommend it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.49A.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 | 3.9 |
|---|---|
| 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. | NR |
3.9
A solid optionBased on 25 verified guest reviews and ratings
How drivers feel about Foremost
Drivers appreciate the professional interactions but dislike the unexpected rate increases and inadequate coverage. Issues with customer service and claim handling are also common.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
How drivers feel about Foremost
Drivers appreciate the professional interactions but dislike the unexpected rate increases and inadequate coverage. Issues with customer service and claim handling are also common.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
Reviews (14)
Dave
Verified Review
Best customer service
Reviewed in Alaska on May 2025
Auto policy is not available in Alaska currently. Just home and specialty vehicles like motorcycles. So do your research.
Roy
Verified Review
Good
Reviewed in California on April 2025
Everything was okay until they raised the rates by $80 a month.
Kenneth
Verified Review
Not Worth It
Reviewed in Pennsylvania on November 2024
They are not satisfactory. I have never made a claim, yet they raised my rate by 400 dollars. The coverage they provide is also insufficient. They are not worth it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.4A.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).
AWhy 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 | 4.9 |
|---|---|
| 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. | $44/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. | $60/mo |
4.9
Best choiceBased on 2,488 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,338)
Phil
Verified Review
Average
Reviewed in Idaho on December 2025
Check and compare rates often.
Chris
Verified Review
USS-No way
Reviewed in South Carolina on December 2025
Paying almost twice as much as other companies. I think they're punishing me for an accident where I was hit by a drunk driver and could have died. The car was totaled.
Louis
Verified Review
Everything is great with USAA, especially the customer service, but the price is a bit high.
Reviewed in Illinois on December 2025
Great but the price is a bit high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
741NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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.
Shop for Car Insurance
Compare quotes from top insurance companies in Vermont
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Based on 7,669+ reviews
4.8/5
Average cost of car insurance in Vermont
Residents of the Green Mountain State pay an average monthly premium of $98 for coverage. That’s compared to an average of $138 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 $98 per month for auto insurance. On average, liability-only coverage costs $62 monthly, and full coverage costs $134.
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]
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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 VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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.