Updated
Cheapest car insurance company in Vermont: State Farm
Cheapest car insurance rate in Vermont: $17
Average monthly liability-only car insurance cost in VT: $58
Average monthly full-coverage car insurance cost in VT: $139
Cheapest car insurance quotes in Vermont
Vermont drivers can find the cheapest insurance from State Farm, USAA, and GEICO. Quotes are based on a driver profile of an adult older than 20 with a clean driving record and good-to-excellent credit.
The table below shows the cheapest insurers in Vermont.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $17 | $37 |
| USAA | $36 | $77 |
| GEICO | $49 | $99 |
| Safeco | $51 | $97 |
| Liberty Mutual | $56 | $120 |
| Dairyland | $65 | $273 |
| Allstate | $66 | $147 |
| The General | $68 | $193 |
Best-rated insurance companies in Vermont
When you’re shopping for car insurance, it’s important to consider the quotes, discount opportunities, and customer service. We compiled actual user reviews to rank the best insurance companies in Vermont based on various needs. Vermonters should check out State Farm, GEICO, and USAA.
Best for full coverage: State Farm
| 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. | $37/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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 offers full-coverage car insurance for much less than other insurers in Vermont, making it an affordable way to protect your vehicle from typical risks like severe winter weather and deer strikes.
A study by the insurer found that Vermonters have a 1 in 133 chance of a deer collision. The company also received the second-highest score in New England for overall customer satisfaction in the JD Power U.S. Auto Insurance Study.
Low full-coverage rates in Vermont
10 discount options available for Vermont drivers
Has local agents throughout Vermont
Fewer add-ons, such as gap insurance
Full-coverage rates are higher for Vermont drivers with poor credit
No accident forgiveness coverage
Best for minimum coverage: GEICO
| 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. | 9.2 /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. | $99/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
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 has some of the cheapest rates for liability-only coverage, making it a good fit for Vermont drivers looking for the state’s 25/50/10 minimum coverage. It also has some of the lowest rates for drivers with poor credit or an incident on their driving record.
Cheap minimum-coverage rates in Vermont
Vermont students could be eligible for up to 15% in discounts for good grades
Strongest possible financial strength rating from AM Best
Not the cheapest insurer in Vermont
Fewer discounts available compared to other insurers
Average ranking for customer satisfaction
Best for savings: Allstate
| 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. | 8.9 /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. | $66/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. | $147/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.4 | 2.9 |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Vermont requires insurers to disclose their discounts, and Allstate offers some of the best car insurance discounts in Vermont, making it the best insurer for savings. Drivers could save up to 30% by enrolling in its telematics program, 25% for multi-car policies, or 20% for bundling home and auto.
Wide variety of discounts available in Vermont
Rideshare drivers and roadside assistance add-ons
Savings for good students, safe drivers, and college students
Not the cheapest rates in Vermont
Some savings require driver tracking
Relatively high rates for drivers with a ticket or a driving under the influence (DUI) conviction
Best for customer service: USAA
| 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. | $36/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. | $77/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
More than 40,000 veterans call Vermont home, according to state data. These drivers can find some of the best customer service and rates from USAA. The insurer received a high rating for customer satisfaction in New England from JD Power, indicating its customers are very pleased with the service they receive. But USAA’s offerings are available only to military members and their families.
Highly rated for customer service
Rates are among the lowest in Vermont
Eligibility extends to family members, including children and spouses
Coverage available only to eligible military families
Safe Pilot enrollment discount not available in Vermont
Average discounts are often smaller than with other insurers
How we chose the best car insurance companies in Vermont
To identify the four best car insurance companies for Vermont drivers, we evaluated 200-plus regional and national companies. We analyzed thousands of user reviews from verified Insurify customers to identify which companies provided the best overall experience, claims and customer satisfaction, and overall value. Whenever available, we considered scores and rankings from third-party organizations, such as AM Best and J.D. Power. We assessed multiple data points to rate affordability, coverage options, available discounts, customer satisfaction, and financial strength.
How much is car insurance in Vermont?
The average cost for full-coverage car insurance in Vermont is $139 per month. For liability-only coverage, the state average is $58 per month.
Vermont’s average car insurance costs are below the national average. Its relatively low population density, short commute times, and rural composition lower its risk factors, holding rates down.[1]
Find Cheap Car Insurance in Vermont
Liability quotes start at $17/mo.
On-the-spot guidance from licensed insurance experts
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
Why you should compare car insurance quotes in Vermont
Rates can vary significantly across Vermont based on several factors, which include your location, driving record, age, credit history, and claim history. Insurance companies in Vermont have the freedom to set car insurance rates, as long as those rates aren’t excessive or unfair.[2]
Each company may evaluate risk differently, so comparing multiple quotes lets you find the insurance company with the best rates for your situation.
Providing accurate information will help you get the most accurate quotes. Follow these tips:
Use your real VIN, Social Security number, driver’s license number, and address.
Disclose all speeding tickets, at-fault accidents, and DUIs on your driving record.
Include every driver who lives with you or regularly drives your car.
Keep coverage limits and deductibles the same for each quote you request so you can compare them equally.
Vermont car insurance requirements
Every Vermont driver with a registered vehicle must carry liability insurance that meets the state minimum requirements:[3]
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$10,000 in property damage liability per accident
Almost every state requires minimum liability car insurance. Vermont also requires all drivers to carry uninsured/underinsured motorist (UM/UIM) coverage in the following amounts:[4]
$50,000 in bodily injury liability per person
$100,000 in bodily injury liability per accident
$10,000 in property damage liability per accident, with a $150 deductible
Agent Tip: Consider full-coverage car insurance for better financial protection
“Carrying just Vermont’s minimum amount of coverage is the cheapest option. But it’s worth considering full coverage in the Green Mountain State. Vermont has a large amount of winding dirt roads, including Class 4 roads, that can be dangerous to drive on, especially in the winter. Full coverage would pay if you total your car from slipping on a dirt road.”
How to find the cheapest Vermont car insurance
Vermont state law requires your insurer to tell you about all car insurance discounts that are available to you.[5] Ask which ones you’re eligible for and make sure you’re getting all the savings you deserve. In Vermont, some discounts could cut your bill by 20%–30%.
Here are other ways to lower your costs:
Work on building your credit. Vermont insurers can use credit as a factor when setting your rates. If you’ve improved your credit, you have the right to ask your insurer to review your new credit score at renewal.[6]
Don’t drink and drive. A DUI on your record can push your car insurance rates up, and the Vermont DMV will require you to keep an SR-22 on file for three years.[7]
Increase your deductible. Ask your insurer directly what could help lower your premiums, such as raising your collision deductible. Reconsider raising your comprehensive coverage deductible, though. Comprehensive insurance could cover you after a flood, and Vermont experienced serious flooding in both 2023 and 2024, according to state records.
Avoid a lapse in coverage. When switching insurers, don’t cancel your coverage until the new policy is in place. Otherwise, a gap in coverage could mean higher rates down the road.
Compare Car Insurance Quotes in Vermont
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Find quotes for your driver profile
Your driving history has a big effect on your car insurance rates in Vermont. Here’s more information about car insurance for people with different driver profiles.
Vermont car insurance guides
How car insurance costs have changed in Vermont
The average car insurance rate in Vermont fell 2.3% in the first half of 2026, according to Insurify’s American Driver report.
Fewer claims and more competition on price brought average rates down at the end of 2025, but the brief rate reprieve is expected to be short-lived. Car insurance rates are projected to increase by 0.6% in Vermont by the end of 2026, rising $10 to an average of $1,636 per year, according to the report. Inflation and higher vehicle repair costs are contributing to the increase.
Vermont car insurance FAQs
If you’re shopping for cheap car insurance in Vermont, the additional information below can help as you research your coverage options.
What company offers the cheapest car insurance in Vermont?
State Farm offers the cheapest rates in Vermont for liability-only car insurance, at $17 per month, according to Insurify data.
What liability insurance is required in Vermont?
State law requires all Vermont drivers to carry bodily injury liability coverage of at least $25,000 per person and $50,000 per accident and property damage liability coverage of at least $10,000 per accident.
Drivers must also carry UM/UIM coverage with bodily injury coverage of $50,000 per person and $100,000 per accident and property damage coverage of $10,000 with a $150 deductible.
Do you need proof of insurance to register a car in Vermont?
Vermont state law doesn’t require proof of insurance at registration. But you’ll need to get the vehicle inspected within 15 days of registration if it doesn’t already have an inspection sticker, and you’ll need to provide proof of insurance for that.[8] [9]
Why is Vermont car insurance so expensive?
Vermont’s average car insurance rates are low compared to the national average. But it may feel more expensive because of rate increases caused by inflation, higher repair costs, and catastrophic events.
How can you find the most affordable car insurance in Vermont?
Start by requesting auto insurance quotes for the same coverage levels from different insurers. Make sure you include both national and regional car insurance companies, as regional insurers can sometimes offer lower rates or better service. Ask how a change to your deductible could affect your premiums, maintain a clean driving record, and look into discounts.
Sources
- U.S. Census. "Vermont."
- Vermont Department of Financial Regulation. "Consumer Advisory: Rising Insurance Premiums."
- Vermont.gov. "23 V.S.A. § 800. Maintenance of financial responsibility."
- Vermont.gov. "23 V.S.A. § 941. Insurance against uninsured, underinsured, or unknown motorists."
- Vermont Department of Financial Regulation. "Disclosure."
- Vermont.gov. "8 V.S.A. § 4727. Personal insurance; use of credit information."
- Vermont Department of Motor Vehicles. "Insurance."
- Vermont.gov. "Vermont Department of Motor Vehicles Registration Required Documents."
- Vermont Department of Motor Vehicles. "Registration, New."
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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