Car insurance in Vermont is among the most affordable in the United States. Vermont drivers pay an average of $25 to $125 per month for car insurance, depending on whether they choose minimum liability coverage or a full coverage policy. Full coverage averages approximately $1,504 per year, while minimum required coverage averages around $299 per year, well below the national average. Rates vary based on your driving record, age, location, credit score, and the insurance company you choose. Comparing quotes from multiple insurers is the most effective way to find the lowest rate for your specific profile.
| Coverage Type | Average Monthly Cost Range | Average Annual Cost Range |
|---|---|---|
| Minimum Coverage (Liability + UM/UIM) | $22 - $30 | $264 - $360 |
| Full Coverage (Liability + Collision + Comprehensive) | $82 - $170 | $980 - $2,042 |
Source: insure.com
Note: Rates are based on averages and may not reflect your specific profile.
We’ve been helping Americans find affordable coverage and save money on insurance for years, and it all starts with a little financial literacy. Learning how to get the best car insurance in Vermont means understanding what car insurance policies you need, and then how to get those policies without overpaying.
The good news is the state that brought us Ben & Jerry’s and the nation’s best maple syrup has sweetened the pot even more by providing some of the cheapest car insurance in Vermont.
That’s right: Vermont car insurance is 24% cheaper than the national average, landing at around $1,158/year.
Of course, this doesn’t mean this is what you will pay. What you will pay for insurance depends on a variety of factors, including where you live in Vermont, the car you drive, your coverage level, and how old you are. We’ll talk more about these variables later but for now, let’s get a better handle on what insurance you legally need to drive in Vermont, each state has its own regulations.
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| Coverage | Minimum Required Limit | What It Covers |
|---|---|---|
| Bodily Injury Liability (per person) | $25,000 | Injuries you cause to one person in an accident |
| Bodily Injury Liability (per accident) | $50,000 | Total injuries you cause in a single accident |
| Property Damage Liability | $10,000 | Damage you cause to another person's property |
| Uninsured Motorist Bodily Injury (per person) | $50,000 | Your injuries if hit by an uninsured driver |
| Uninsured Motorist Bodily Injury (per accident) | $100,000 | Total injuries if hit by an uninsured driver |
Vermont does not require Personal Injury Protection (PIP) or MedPay. These are optional coverages. Vermont law also requires drivers to carry proof of insurance at all times while operating a vehicle.
Learn more about comprehensive and collision coverage here.
Other forms of coverage not included in the minimum requirements are:
Opting into these kinds of coverage will of course increase your premium, and in some cases, you may not need them. For instance, some credit cards offer complimentary roadside assistance. Or it may have come with the purchase of your car. But all coverage is worth at least looking into, even if you decided not to get it. The question you have to ask yourself is what can you afford not to have? What could you comfortably pay for out of pocket in the event of an incident or accident?
Your answers to these questions will clarify what types of coverage you need, as well as your limits.
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| Insurance Company | Est. Annual Full Coverage Range | Est. Annual Min. Coverage Range |
|---|---|---|
| Progressive | $900 - $1,100 | $270 - $350 |
| State Farm | $1,410 - $1,500 | $280 - $340 |
| USAA (military/veterans only) | $758 - $900 | $215 - $280 |
| GEICO | $1,000 - $1,200 | $300 - $380 |
| Vermont Mutual | $900 - $1,150 | $260 - $340 |
| Allstate | $1,200 - $1,600 | $320 - $420 |
Source: insure.com
Note: Rates are based on averages and may not reflect your specific profile.
Where you live in Vermont affects your rate. Cities with higher traffic and claim rates generally have higher premiums.
| Vermont City | Est. Annual Full Coverage Range | Notes |
|---|---|---|
| Burlington | $1,400 - $1,650 | Largest city; moderate urban risk |
| South Burlington | $1,370 - $1,500 | Lower rates, fewer claims |
| Montpelier | $1,300 - $1,500 | State capital, lower density |
| Rutland | $1,350 - $1,550 | Mid-range urban risk |
| Barre | $1,370 - $1,500 | Rural area, lower rates |
| Bennington | $1,450 - $1,700 | Above state average due to traffic patterns |
| Newport | $1,500 - $1,750 | Higher rates, elevated accident history |
Source: insure.com
Note: Rates are based on averages and may not reflect your specific profile.
Several personal and vehicle factors determine what you pay for car insurance in Vermont:
If you need an SR-22 form to drive, it means you’ve had a major or multiple driving infractions, like a DUI, too many points on your license, being found at-fault in an accident, etc. To regain your license, your insurance company will need to file a form with the state confirming that you are insured. Some companies will do this for you, though your premiums will almost certainly increase. Some insurance companies will drop you, and you’ll have to find insurance elsewhere.
If you do not have insurance and need an SR-22 form filed, you may need to pay the insurance company an upfront fee. Some companies may refuse to do business with you altogether. Other companies will have no problem filing the form, but again, it will cost more than for someone with no history of dangerous driving.
If you do not have a car and need an SR-22 form to get insurance in Vermont, get a non-owners car insurance policy. But again: it’s going to be more costly than applying for this type of insurance with a clean driving record.
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Vermont is already one of the more affordable states to get car insurance. If you want even cheaper Vermont car insurance, remember our list of ways to save on your policy. Drive safe, and shop around for the cheapest car insurance in Vermont that still gives you the protection you need. Get Vermont car insurance quotes with us, for free, right now.
Vermont drivers pay between $22 and $170 per month for car insurance, depending on coverage level and driver profile. Minimum coverage averages around $25/month, while full coverage averages approximately $125/month for a typical 40-year-old driver with a clean record.
Yes. Vermont consistently ranks as one of the most affordable states for car insurance in the US. Full coverage in Vermont averages around $1,504/year, compared to the national average of over $2,300/year. Vermont’s low population density, low traffic volume, and relatively low uninsured motorist rate all contribute to lower premiums.
Vermont requires all drivers to carry: $25,000 bodily injury liability per person, $50,000 per accident, $10,000 property damage liability, and uninsured motorist coverage of $50,000 per person / $100,000 per accident. Vermont does not require Personal Injury Protection (PIP).
Progressive and USAA (for military and veterans) offer some of the lowest full coverage rates in Vermont, with annual premiums starting around $758 to $980. State Farm is also consistently competitive. Rates vary by driver profile, so comparing quotes is essential.
Yes. Vermont is one of a limited number of states that mandates uninsured motorist bodily injury (UMBI) coverage as part of the legal minimum. You must carry at least $50,000 per person and $100,000 per accident in UMBI coverage.
A DUI conviction in Vermont can raise your car insurance premium by 40-80% on average. You will also likely be required to file an SR-22 certificate with the Vermont DMV and maintain it for three years. After a DUI, shopping around for insurers that specialize in high-risk drivers is recommended.
Yes. Vermont allows insurers to use credit-based insurance scores when determining rates. Drivers with poor credit can pay up to 47% more than those with excellent credit for the same coverage. Improving your credit score over time can meaningfully reduce your premiums.
An SR-22 is not a type of insurance, it is a certificate that your insurer files with the Vermont DMV confirming you carry the state’s minimum required coverage. Vermont drivers may be required to file an SR-22 after a DUI, driving without insurance, or other serious violations. The requirement typically lasts three years.
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
