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Janet Berry-Johnson, CPA, is a freelance writer with a background in accounting and income tax planning and preparation. She's been writing for Compare.com since 2023 and has also appeared on various business and finance sites, including LendingTree, Chime, Insurify, Forbes, and WSJ. She’s passionate about making complicated financial topics accessible to readers.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Car insurance in Vermont falls below the national average, at $110 per month, according to Compare.com data. Vermont’s low population density and low rate of uninsured drivers may play a role in the state’s lower rates.[1] [2]
But many drivers can pay even less for coverage since some insurance companies offer premiums below the statewide average. Vermont drivers can typically find affordable policies with companies like Safeco, Liberty Mutual, Dairyland, and more. Each company boasts average rates well below the rest of the state.
In this guide, we share the cheapest car insurance companies in Vermont for different driver profiles, tips for finding the right company, and smart ways to lower your premiums.
Liability coverage in Vermont averages $66 per month, while full coverage costs $154.
State Farm, Safeco, and USAA are our top picks for car insurance in Vermont.
Vermont requires drivers to have minimum liability limits of 25/50/10 plus uninsured/underinsured motorist coverage.[3]
Average rates give you an idea of what you could potentially pay for a policy, but they don’t tell the whole story. Many insurers offer rates well below Vermont’s averages, so shopping around and comparing rates from multiple companies can help you find real savings.
We’ll get you started with the cheapest car insurance companies in Vermont. Check out the monthly premiums for each in the table below.
Company  | Average Monthly Premium |
|---|---|
| Safeco | $51 |
| Foremost | $71 |
| The General | $73 |
| Liberty Mutual | $92 |
Next, we break down the cheapest options based on various rating factors, such as coverage level, age, and driving record, to help you find the best deal for your situation.
The companies listed above are a good starting point, but your actual rate depends on your unique situation. Factors like your age, driving record, ZIP code, and the coverage levels you choose all affect what you pay for car insurance.
The following sections highlight the cheapest car insurance companies in Vermont for a range of driver profiles and coverage levels, according to our research.
Comparing quotes can save you up to $867.†
Vermont requires all drivers to have specific amounts of liability insurance and uninsured/underinsured motorist coverage, but we’ll cover these requirements in more detail later.
State-minimum insurance covers other drivers when you get into an accident and is the most basic level of coverage you can legally have. Most experts, including the Vermont Department of Financial Regulation, recommend buying more than the minimum limits to avoid out-of-pocket costs or lawsuits after a serious accident.
State-minimum coverage in Vermont costs an average of $66 per month. If you only need basic coverage, the chart below shows the five cheapest insurance companies, according to our research.
Most drivers should consider full coverage because it provides more protection. Plus, lenders and leasing companies typically require it if you finance or lease your vehicle.[4]
Full coverage costs more because, in addition to liability insurance, it usually includes collision coverage and comprehensive coverage. Both these coverages pay for your vehicle damages from things like car accidents, theft, weather damage, or other non-collision damage.
The average cost of full-coverage car insurance in Vermont is $154 per month. But some insurance companies offer full coverage for close to the average liability-only rate.
The chart below shows the five cheapest insurers in Vermont for full coverage, according to Compare.com data.
Teen drivers often pay some of the highest car insurance rates due to their limited driving experience and higher risk of accidents. In fact, teen drivers have a fatal crash rate that’s three times higher than drivers aged 20 and older, according to the Centers for Disease Control (CDC).[5]
In Vermont, the average car insurance rate for teens is $226 per month. But teen drivers can still find competitive rates.
The chart below shows the five cheapest car insurance companies in Vermont for teen drivers, according to Compare.com data.
Senior drivers tend to have the lowest car insurance rates of any group. That’s because they usually have decades of driving experience and lower accident rates compared to younger drivers.[6]
Vermont seniors pay a monthly average of $97 for car insurance. But even with already low averages, you may be able to save more with the right company.
The chart below shows the five most affordable car insurance companies in Vermont for senior drivers, according to Compare.com data.
Getting a speeding ticket can raise your insurance rates quite a bit at your next renewal. That’s because insurance companies see traffic violations as signs of increased risk.
Our research shows that even one speeding ticket leads to a 37% jump in average rates nationwide. In Vermont, the average cost of car insurance for drivers with a recent ticket is $139 per month.
Still, several companies offer more affordable rates even after a ticket. The chart below highlights the five cheapest insurance companies for Vermont drivers with a recent ticket, according to Compare.com data.
An at-fault accident can lead to a sharp increase in your car insurance rates. Insurance companies view drivers with recent at-fault accidents as higher risk, which often results in higher rates.
Our research shows that a single at-fault accident causes rates to rise by an average of 41% nationwide. Vermont drivers with a recent accident pay an average of $157 per month for auto insurance.
Fortunately, some insurance companies still offer competitive rates even after an accident. The chart below highlights the five cheapest companies in Vermont for drivers with a recent at-fault accident, according to our data.
A driving under the influence (DUI) conviction leads to the steepest increase in car insurance rates of any driving incident. Insurance companies consider DUI offenders to pose a significantly higher risk on the road.
On average, rates go up by 61% nationwide after a DUI. In Vermont, the average monthly cost of insurance after a DUI is $141, according to our data.
Still, you’re not necessarily stuck paying the highest rates. The chart below shows the five cheapest car insurance companies for Vermont drivers with a DUI conviction, according to Compare.com data.
Vermont law allows insurance companies to consider credit history when setting car insurance rates. But companies can’t base rates or decisions about whether to insure you, cancel your policy, or non-renew a policy solely on credit without considering other factors.[7]
Drivers with poor credit pay roughly 20% more than drivers with excellent credit, according to our research. Vermont drivers with poor credit pay an average of $138 per month for car insurance.
But not all insurance companies weigh credit the same way, and some don’t use it at all. The chart below shows the five cheapest companies in Vermont for drivers with poor credit, according to Compare.com data.
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Car insurance isn’t a one-size-fits-all solution. The best company for you depends on your driving history, budget, and coverage needs.
That said, we selected the top car insurance companies in Vermont based on a mix of factors, including average statewide rates, available discounts, customer satisfaction scores, and coverage options in the Green Mountain State.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| 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. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm stands out in Vermont for its mix of affordability, customer service, and reliable coverage. The insurer offers incredibly cheap rates in Vermont, and J.D. Power ranks it high for customer satisfaction. With a large network of local agents, it’s a great option if you prefer personal help with your policy.
Vermont drivers also benefit from various discounts, including for students, accident-free drivers, and bundling policies.
Usage-based insurance available
Many local agents
Plenty of discounts
Gap insurance not available
Few options to customize coverage
Policies not available online
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco earns a spot among the top insurance companies in Vermont for its value and flexible coverage options. One unique feature is its claims-free cash-back program. Drivers who go six months without filing a claim can receive a check for up to 2.5% of their premium, potentially earning up to 5% cash back per year. That can add up to real savings over time.
Safeco also offers a user-friendly app, generous bundling discounts, and optional coverage add-ons, making it easy to tailor your car insurance policy to your needs.
Cash-back for claims-free driving
Highly customizable coverage options
Feature-rich mobile app
Few local agents in rural areas
Low Trustpilot reviews[8]
Not always affordable for high-risk drivers
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| 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. | $51/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. | $95/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is an excellent choice for eligible drivers in Vermont. The company offers some of the most competitive rates in the state, even for teen drivers and people with incidents on their driving records.
The company consistently earns high ratings for overall customer satisfaction from J.D. Power, offers optional coverage like roadside assistance and rental reimbursement, and has flexible payment options. If you’re part of a military family, USAA is hard to beat for value, service, and coverage.
Consistently low rates
Top-tier customer service
Comprehensive coverage and generous discounts
Only available to customers with military connections
Few physical branches
Modest bundling discount
Local rates start as low as $43 per month.
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Like every state, Vermont requires all drivers to have car insurance to legally operate a vehicle. Vermont laws help ensure drivers can cover injuries or damage if they get into an accident.
Here are the state’s minimum coverage requirements:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $10,000 per accident
Uninsured/underinsured bodily injury: $50,000 per person and $100,000 per accident
Uninsured motorist property damage: $10,000 per claim (with a $150 deductible)
The Vermont Department of Financial Regulation recommends buying more than the minimum required limits. Consider that a single at-fault accident involving injuries can easily exceed the state’s $25,000 bodily injury limits. If that happens, you’ll be on the hook for anything your insurance doesn’t cover.
Increasing your liability limits and adding collision and comprehensive coverage better protects your finances in the event of a serious crash. Besides, your lender will likely require full coverage if you lease or finance your car.
In case you still have questions about car insurance in Vermont, here are answers to some common questions drivers ask.
Car insurance in Vermont costs an average of $110 per month, according to our data. For liability-only coverage, the monthly average is $66, and a full-coverage policy costs around $154.
Not generally. But it also depends on your situation. Factors like where you live, your driving history, and your age affect your rates. But for context, the car insurance costs an average of $110 per month, while the national average is $143, according to our data.
Vermont law requires drivers to have liability insurance of at least $25,000 per person and $50,000 per accident for bodily injury, and $10,000 for property damage. Drivers also need to buy uninsured/underinsured motorist coverage with bodily injury limits of $50,000 per person and $100,000 per accident and property damage.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Janet Berry-Johnson, CPA, is a freelance writer with a background in accounting and income tax planning and preparation. She's been writing for Compare.com since 2023 and has also appeared on various business and finance sites, including LendingTree, Chime, Insurify, Forbes, and WSJ. She’s passionate about making complicated financial topics accessible to readers.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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