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Car Insurance in Vermont: 2026 Rates & Guide

Vermont is one of the cheapest states for car insurance. The average driver pays $78/month ($936/year). Here's how to find the best rate for your situation.

$78

Avg Monthly

$936

Avg Annual

#48

Cost Rank (1=priciest)

$58

Cheapest Option/mo

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Cheapest Car Insurance Companies in Vermont (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Vermont — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestState Farm
$58/mo4.5Get Quote
2
GEICO
$62/mo4.3Get Quote
3
Amica
$60/mo4.8Get Quote
4
Progressive
$68/mo4.1Get Quote
5
Concord Group
$56/mo4.4

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Vermont Car Insurance Requirements

Minimum Coverage: 25/50/10

Vermont is an at-fault state. The driver who causes an accident is financially responsible.

Vermont Insurance Facts

Vermont is consistently one of the cheapest states for car insurance — low population density and few major accidents keep premiums down.
Deer and moose collisions are a real hazard in Vermont, particularly at dawn and dusk — comprehensive coverage is highly recommended.
Burlington is Vermont's largest city and has higher rates than rural Vermont, though still well below the national average.

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How to Get Cheaper Car Insurance in Vermont

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Vermont — FAQs

What is the average cost of car insurance in Vermont?
The average car insurance cost in Vermont is $78 per month ($936 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Vermont?
Vermont requires minimum liability coverage of 25/50/10 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Vermont?
Based on our research, State Farm offers the lowest average rate in Vermont at around $58/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Vermont a no-fault car insurance state?
No, Vermont is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Vermont?
The most effective ways to lower your car insurance in Vermont include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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