Average Cost of Car Insurance in Vermont (2024)
The overall average monthly cost of car insurance in Vermont is $111.
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Written byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Edited byEvelyn Pimplaskar
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Updated November 21, 2024
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Table of contents
Annually, car insurance in Vermont averages $1,330 per year, compared to the national average of $1,850. The Green Mountain State's lower-than-average car insurance rates are likely due to it's smaller population, low population density, and comparatively low accident rates.
With a population of 647,064, Vermont has about 2,000 motor vehicle accidents per year. In 2023, just 0.45% of all accidents were fatal, according to Vermont Agency of Transportation data.
On an individual level, insurance providers determine annual rates based on factors like driving history, credit history, marital status, gender, age, vehicle type, chosen coverage level, set deductible, and more. Comparing car insurance quotes from multiple companies can help Vermonters make the most of their state's comparatively low car insurance rates.
Quick Facts
Vermont's population density is just under 70 people per square mile.
Vermont is the most rural state in the country, with nearly 65% of its population living in rural areas, according to U.S. Census data.
As in most states, Vermont allows insurers to consider credit history in rating decisions, but it can't be the only factor the base a decision on, and they can't use a lack of credit history as a factor.
How much does car insurance cost in Vermont?
In Vermont, the average cost of full-coverage car insurance is $154 per month. Liability-only policies average $68 per month.
These averages are lower than the national average costs of full-coverage and liability-only car insurance. Nationally, the average monthly cost of full coverage is $204 and liability-only insurance is $104.
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Best Vermont auto insurance rates
Car insurance premiums can vary widely in a state. Driver factors like age, gender, driving history, and more affect car insurance costs for individual drivers. And regional factors like population, accident frequency and severity, vehicle thefts, and weather conditions also influence rates. The number of variables make it important to compare rates from multiple insurers before choosing an insurance policy.
The table below illustrates quotes from top insurers who do business in Vermont.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $43 | $19 |
| USAA | $84 | $39 |
| Safeco | $87 | $50 |
| Progressive | $118 | $55 |
| GEICO | $123 | $55 |
| Liberty Mutual | $133 | $51 |
| Foremost | $148 | $62 |
| Allstate | $154 | $70 |
| Nationwide | $162 | $75 |
| The General | $180 | $72 |
| Dairyland | $222 | $64 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Best and Worst Sites to Compare Car Insurance
How are insurance rates calculated in Vermont?
Vermont auto insurance companies consider varying factors while calculating premiums for their policyholders. Common factors that influence rates include driving history, credit history, age, marital status, gender, vehicle type, and location. Specific to individual insurance providers, rates will also be impacted by chosen coverage levels, deductibles, bundling, and more.
Vermont car insurance rates by city
Though the overall average monthly rate for car insurance in Vermont is $111, rates fluctuate on a city-by-city basis. Area-specific factors, like infrastructure, crime rates, population, weather, and climate, impact the average insurance rates in cities throughout Vermont. Find the average monthly car insurance premiums for Vermont’s most populated cities in the chart below.
City ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| Barre | $118 |
| Bennington | $115 |
| Brattleboro | $126 |
| Burlington | $145 |
| Colchester | $130 |
| Essex Junction | $132 |
| Hartford | $35 |
| Middlebury | $118 |
| Milton | $159 |
| Montpelier | $136 |
| Northfield | $144 |
| Rutland | $125 |
| Saint Albans | $123 |
| Saint Johnsbury | $143 |
| Shelburne | $193 |
| South Burlington | $144 |
| Springfield | $157 |
| Swanton | $148 |
| Williston | $123 |
| Winooski | $149 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
What is the average cost of car insurance in Vermont by credit tier?
Auto insurers often consider credit history as an indicator of the reliability and financial stability of policyholders. Insurance providers reward Vermont drivers with excellent credit with the cheapest rates. However, Vermont drivers with good and average credit pay more than drivers with low credit scores, potentially due to drivers with poor credit owning less expensive vehicles.
The following table illustrates the difference in overall average costs based on a driver's credit tier.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Poor Credit ▲▼ | Average Credit ▲▼ | Good Credit ▲▼ | Excellent Credit ▲▼ |
|---|---|---|---|
| $131 | $104 | $106 | $95 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
What is the average cost of car insurance in Vermont by driver age?
Young drivers under the age of 25, especially new and teen drivers, pay the highest rates for auto insurance in Vermont and throughout the country. Drivers over 25 and under 70 experience consistently decreasing rates with age since insurance providers value their driving experience. Older drivers over 70 tend to pay slightly increasing rates for auto insurance coverage.
Here are the overall average monthly quotes for Vermont drivers based on age.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Teens ▲▼ | Young Drivers ▲▼ | Middle-Aged Drivers ▲▼ | Senior Drivers ▲▼ |
|---|---|---|---|
| $193 | $145 | $89 | $81 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Compare Car Insurance by Age and Gender
What is the average cost of car insurance in Vermont by driver gender?
In the United States, women often pay lower rates for car insurance than men due to safer driving practices and purchasing smaller, less expensive vehicles. Statistically speaking, women have fewer car accidents than men.
Here are the average monthly rates in Vermont based on driver gender.
Gender ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Men | $161 | $71 |
| Women | $147 | $65 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
What is the average cost of car insurance in Vermont by marital status?
Strangely enough, married couples often pay less for auto insurance than their single peers. Insurance providers tend to view married couples as lower-risk policyholders due to perceived financial stability and reliability. Here are the differences in overall average monthly rates for married vs. unmarried drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Married ▲▼ | Single ▲▼ |
|---|---|
| $127 | $110 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
What is the average cost of car insurance in Vermont for high-risk drivers?
A policyholder’s driving record is one of the most important influences on auto insurance rates. Good drivers with clean driving records in Vermont pay the lowest car insurance rates, while high-risk drivers pay more. Individuals with a DUI, at-fault accident, or speeding ticket pay significantly higher auto insurance rates than those with clean driving records.
The following table illustrates rate differences from top Vermont insurance providers based on driver history.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | Speeding Ticket ▲▼ | At-Fault Accident ▲▼ | DUI ▲▼ |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Best Cheap Car Insurance for High-Risk Drivers
Minimum car insurance requirements in Vermont
All motor vehicles operated or parked on Vermont roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Vermont[1] are:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Vermont is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$10,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$50,000 per person for uninsured/underinsured motorist bodily injury
$100,000 per accident for uninsured/underinsured motorist bodily injury
$10,000 per accident for uninsured/underinsured motorist property damage
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Vermont, this coverage is required for both bodily injury and property damage.
How to get the cheapest car insurance in Vermont
Comparison shopping is the best way to find the cheapest car insurance rates and the coverage you need. Drivers can also get cheaper car insurance by adjusting their coverage limits, choosing a higher deductible, and considering telematics programs.
Vermont average car insurance cost FAQs
Do car insurance rates vary by county in Vermont?
Yes, insurance rates fluctuate based on your county or city of residence in Vermont. Area-specific factors, like infrastructure, state insurance requirements, crime rates, population, weather, and climate, influence insurance rates on a city-by-city basis. Insurance providers consider those area-specific factors when assessing risk levels and determining rates.
What is the average cost of car insurance in Vermont?
The overall average cost of car insurance in Vermont is $111 per month and $1,330 per year, which is lower than the national average rate of $154 per month and $1,850 per year. Ultimately, average rates vary depending on driving history, credit history, age, marital status, gender, vehicle type, city of residence, and homeowner status. Minimum coverage limits cost the least per month.
Why is car insurance so expensive in Vermont?
On average, Vermont car insurance rats are lower than national average rates. Auto premiums depend on factors that affect overall rates. Vermont drivers facing higher rates include young drivers; those with a full coverage policy; policyholders with one or more recorded DUI, at-fault accident, or speeding ticket; and drivers with poor credit.
How do I find cheap car insurance in Vermont?
To find cheap car insurance in Vermont, shop around for numerous insurance options before purchasing or renewing an auto insurance policy. With the Insurify quote-comparison tool, you can easily compare insurance quotes from top national and regional providers. The best part? The entire process can be completed in minutes from the comfort of your couch.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
Sources
- The Vermont Assembly. "State Minimum Car Insurance Requirements."
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Katie PowersAuto and Life Insurance Editor
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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