Compare Car Insurance Rates in Vermont

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Cheap Car Insurance Vermont: Full and Minimum Coverage

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  • Car insurance in Vermont averages $26 per month for minimum-coverage policies and $98 each month for full coverage.
  • Union Mutual Fire offers the lowest average prices in Vermont for both minimum and full coverage. 
  • High-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records often pay more for Vermont car insurance.

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With minimum-coverage premiums that average to $15 per month, Union Mutual Fire offers the cheapest car insurance in Vermont. USAA is also a great choice for military members and veterans looking for affordable coverage in the Green Mountain State.

To find and rank the best car insurance companies in Vermont, our reviews team collected cost data, analyzed coverage options, studied industry reputations, and looked at customer reviews across 43 different auto insurance providers.

Best Car Insurance Rates in Vermont

Vermont motorists can usually find the cheapest auto insurance at Union Mutual Fire, USAA, or GEICO. Below, you’ll find average car insurance premiums for several different driving profiles. Here’s a quick look at some of them:

  • Cheapest full coverage: Union Mutual Fire, followed by Auto-Owners Insurance
  • Cheapest minimum coverage: Union Mutual Fire, followed by USAA
  • Cheapest for teen drivers: Auto-Owners Insurance, followed by State Farm
  • Cheapest for drivers with a traffic violation: State Farm, followed by USAA

Remember that it’s important to get personalized quotes from each of these providers and see which company has the best coverage and rates for you.

Our Research Tactics

To find the cheapest coverage options for Vermont drivers, our research team took a deep dive into the cost data provided by Quadrant Information Services. The average car insurance premiums you’ll see below are for different driver profiles, coverage types, and cities in the Green Mountain State.

There are five key things we look at to determine a company’s overall rating out of 5.0 points:

  • Industry standing
  • Availability 
  • Coverage options
  • Customer experience
  • Affordability

Cheapest Car Insurance Companies in Vermont

You’ll find the cheapest car insurance companies with the highest-quality coverage below. Despite Union Mutual Fire offering the most affordable rates, State Farm offers the best coverage, and has the most to offer in terms of quality, which is why it has the highest overall score.

Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.7$21$7812

Cheapest Car Insurance Coverage in Vermont

To get the absolute cheapest car insurance in Vermont, you’ll have to opt for the state-minimum liability coverage. This is the lowest amount of car insurance you need to legally drive on the road, so it will be the cheapest. 

It’s important to know that minimum-liability insurance will take care of the medical bills and property damages of other drivers and parties involved in a car accident you cause, but will not take care of your own bodily injuries and car repairs. 

Getting a full-coverage insurance policy with personal injury protection (PIP insurance), comprehensive insurance, and collision coverage will cost more. However, it will take care of your own injuries and car’s damages – and save you from having to make out-of-pocket repair costs. In a way, full-coverage car insurance can be cheaper in the long run.

Cheapest Minimum-Liability Car Insurance in Vermont

Union Mutual Fire most likely will offer you the cheapest minimum-liability coverage rate. Its average goes to $184 per year or $15 per month. USAA also sports cheap coverage at $203 per year or $17 per month. These are significantly cheaper policies when compared to the state’s average for minimum car insurance, which is $306 per year or $26 per month.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
Union Mutual Fire$15$184
State Farm$21$253
Auto-Owners Insurance$22$259
Vermont Mutual$23$272
Patrons Co-Op Fire$34$410

*Based on the profile of a 35-year-old married driver with good credit and a violation-free driving history.

Cheapest Full-Coverage Car Insurance in Vermont

Overall, Union Mutual Fire provides the most affordable premiums for full-coverage car insurance, $683 annually or $57 monthly. To get full-coverage car insurance in Vermont, the average a driver normally pays is $1,174 annually or $98 monthly.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
Union Mutual Fire$57$683
Auto-Owners Insurance$75$897
State Farm$78$940
Vermont Mutual$116$1,397
Patrons Co-op Fire$132$1,581

*Based on the profile of a 35-year-old married driver with good credit and a violation-free driving history.

Vermont Car Insurance Quotes by Driver Profile

Your rates for car insurance will most likely vary from the costs listed above. Insurance companies in Vermont use many different factors to determine your rates, such as your: 

  • Age
  • Gender
  • Marital status
  • Driving history
  • Claims history
  • Location
  • Vehicle make and model
  • Vehicle age and mileage
car insurance cost factors

Cheapest Car Insurance in Vermont: Age

Young drivers under 25 (especially teen drivers) will pay the highest rates for car insurance. This is owed to having less years behind the wheel and a higher likelihood of committing less safe driving behaviors. The table below shows the monthly averages of minimum and full-coverage auto insurance for different age groups:

Driver AgeAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage

Cheapest Car Insurance in Vermont: High-Risk Drivers

One of the biggest components to your car insurance premium is your driving record. If an insurer sees that you’ve had multiple speeding tickets in the past few years, or you’ve caused any car accidents or gotten any DUIs or other punishments for traffic violations, it will consider you a high-risk driver, and your rates will skyrocket.

If you’re consider a high-risk driver by car insurance companies, State Farm and USAA could provide you with the cheapest average rates in Vermont:

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
State Farm$21$23
Auto-Owners Insurance$22$30
Union Mutual Fire$15$30
Vermont Mutual$23$46
Patrons Co-op Fire$34$54

Car Insurance Rates in Vermont: Speeding Ticket

If you’re a Vermont driver who got too many speeding tickets in the last few years, your best chances at finding the cheapest rates are with Union Mutual Fire. At Union Mutual, the average minimum-coverage rate for a driver with a speeding ticket is $15 per month or $184 per year.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
Union Mutual Fire$15$184
State Farm$22$270
Auto-Owners Insurance$24$291
Vermont Mutual$29$344
Patrons Co-op Fire$34$410

Car Insurance Rates in Vermont: At-Fault Accident

You can always expect your rates to go up if you cause a car accident. If this applies to you, check out Union Mutual Fire and State Farm for the cheapest coverage options. Union Mutual sports an average minimum rate of $19 per month for Vermont drivers with an at-fault accident on their records.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
Union Mutual Fire$19$224
State Farm$24$293
Vermont Mutual$29$344
Auto-Owners Insurance$31$367
Patrons Co-op Fire$48$571

Car Insurance Rates in Vermont: DUI

If you’re caught driving under the influence (DUI), Vermont auto insurance companies will consider you a very high risk for filing claims and costing the company money, so your rates will skyrocket. If this happens, you can find the cheapest coverage at State Farm and Auto-Owners Insurance.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
State Farm$22$270
Auto-Owners Insurance$34$410
Union Mutual Fire$57$680
Vermont Mutual$81$973
Patrons Co-op Fire$81$974

Average Cost of Car Insurance in Vermont

In the state of Vermont, the average cost of car insurance is $306 per year for minimum-coverage, which is 51% lower than the national average’s $635 per year. For full coverage, the average cost of car insurance in Vermont is $1,174 per year. This is 38% cheaper than the national average, which is $1,730 per year.

Average Car Insurance Cost in Vermont by City

Population density, car crashes, crime rates, traffic flow, and weather patterns vary between ZIP codes, so you can expect that your car insurance rates will fluctuate based on where you live and drive around the most. The table showcases the most populous cities and towns in Vermont, along with each’s average rates for minimum and full coverage.

Cities in VermontAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
Essex Junction$28$95
South Burlington$27$93
St. Albans$25$98
St. Johnsbury$24$100
White River Junction$25$99

Vermont Minimum Car Insurance Coverage

According to Vermont law, all drivers must either meet or exceed the following minimum car insurance requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $50,000 uninsured/underinsured motorist bodily injury per person
  • $100,000 uninsured/underinsured motorist bodily injury per accident
  • $10,000 uninsured/underinsured motorist property damage per accident

This is the least amount of coverage you need to legally drive, but we recommend getting a full-coverage policy with these coverages: 

  • PIP insurance: Covers your medical bills and lost wages from accident-related injuries
  • Collision insurance: Covers your car’s damages from car accidents and other collisions
  • Comprehensive coverage: Covers your car’s damages from fire, floods, theft, vandalism, and other environmental impacts

Cheap Car Insurance in Vermont: Conclusion

The cheapest car insurance in Vermont often comes from Union Mutual Fire, which has average rates of $15 per month. Your rate for this same company could still be higher based on your credit score, driving history, age, and more. That’s why it’s important to compare auto insurance quotes from various providers to see if you could get more affordable coverage elsewhere.

You may also want to consider the protection of a full-coverage policy. The best rates we found for full coverage came in as low as $57 per month from Union Mutual Fire. 

Best Car Insurance in Vermont: Recommended Providers

If you’re shopping for car insurance, we recommend some of the biggest car insurance companies: State Farm and USAA.

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State Farm: 4.7 out of 5.0

State Farm made the top of our list for the best car insurance companies. This is largely because of its quality coverage and excellent customer satisfaction ratings in J.D. Power consumer studies. State Farm isn’t as cheap as Geico or USAA (on average), but does offer many car insurance discounts, including the best good student discount in the nation.

Read more: State Farm insurance reviews

USAA: 4.6 out of 5.0

USAA is only for military members, veterans, and their immediate family members, but if you qualify, you could get some of the best car insurance coverage in the country at the most affordable rates. USAA offers many great savings opportunities, from good student discounts to automatic payment discounts.

Read more: USAA insurance reviews

Cheapest Auto Insurance in Vermont: FAQ

How much is car insurance per month in Vermont?

The average cost of car insurance per month in Vermont is $26 for a minimum-coverage policy and $98 for full coverage. Our team found that rates in Vermont can be as low as $15 per month for minimum coverage and $57 for a full coverage.

Which company gives the cheapest car insurance?

USAA and GEICO tend to offer the cheapest car insurance rates across the nation. In Vermont, Union Mutual Fire and USAA are the cheapest high-quality car insurance providers. Union Mutual Fire’s average for minimum-coverage car insurance is $15 per month and USAA’s average is $17 per month.

Is car insurance required in Vermont?

Yes, car insurance is required in Vermont. All Vermont drivers are required to get liability coverage and uninsured motorist coverage. Not getting the required coverage could mean fines, driver’s license revocation, or jail time.

How to reduce car insurance in Vermont?

To reduce car insurance rates in Vermont, you can do all of these things:

1. Opt for lower amounts of coverage.
2. Increase your deductible.
3. Look for special discounts at your company.
4. Bundle your auto insurance with other policies, like homeowners or renters insurance.

Is it cheaper to pay car insurance every six months or monthly?

If you pay car insurance every six months, it could be cheaper than paying monthly. Many car insurers offer ‘pay-in-full’ discounts for drivers that pay for their entire policy every six months or every year. However, a lot of insurance companies don’t offer this discount.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.