Best Auto Insurance in Vermont

State Farm is among the largest providers in Vermont, offering cheap rates, competitive discounts, and a full range of coverage options to tens of thousands of drivers in the state. It also offers a great safety teen program that helps new drivers learn safety driving habits while saving on their auto insurance.

Cheapest Rates in Vermont

State Farm is the cheapest auto insurance provider in Vermont on average. Its $962 annual average is about $200 cheaper than the state average and about half the national average.

Excellent Customer Service Ratings

On top of enjoying the state’s most affordable rates, you can also expect the best third-party ratings for customer service and claims satisfaction with State Farm. Here’s how the company scored across a few key auto insurance customer service rating systems.

Safety Driver Program for Young Drivers

State Farm’s Steer Clear is a safe driver program designed to help young people learn better driving habits. To complete the program, you must meet the following requirements:

• Complete 5 training modules consisting of quizzes, videos, and driving scenarios.
• Complete 5 hours of driving practice across at least 10 trips.
• Allow your family/friends to track your driving and log your progress.
• Be under the age of 25.
• Have no at-fault accidents of moving-violations in the past three years.
• Complete the program within six months.

For drivers over 25, State Farm’s Drive Safe & Save discount will lower your premium based on your driving habits.

Although law enforcement cite DUIs at lower rates in Vermont than other states, you will still be met with steep premium increases if you’re convicted of driving under the influence. Progressive has a track record for offering affordable rates to drivers with DUIs across the country, and it offers the most affordable insurance for drivers with a DUI in Vermont.

Cheapest after a DUI

Drivers with DUIs pay some of the highest average rates in Vermont for car insurance. If you had a DUI recently, we recommend starting with Progressive as your best bet for a competitive quote. It has the cheapest rates for DUI drivers, with DUI rates slightly below State Farm and much below Concord, Union Mutual, and Allstate.

Rideshare Coverage

You may not know this, but the rideshare insurance provided by your rideshare employer (Uber, Lyft, etc.) and your personal plan do not cover you for the entirety of your rideshare drive. In the time when you’re waiting to be matched with your next passenger, neither your personal plan nor your Transportation Network Provider (TNC–Uber, Lyft, etc.) will cover you in the event of an accident.

Progressive’s rideshare insurance will provide coverage for that insurance gap, ensuring you’re covered for the entirety of your drive. That’s why we named it one of the best insurance companies for rideshares.

Vehicle Protection Coverage

Progressive’s vehicle protection coverage is a unique coverage add-on that you won’t see with many providers. It offers protection for non-accident-related repairs, including your car’s major systems, dents and dings, and damaged, lost, or stolen keys.

The coverage is available only to new cars, and you must also have full coverage, rental car coverage, trip interruption coverage, and roadside assistance.

Allstate is one of the most recognizable brands in the country and one of the largest providers in Vermont. It offers an excellent building discount and incentives to drivers who exhibit safe driving habits. It’s not always the cheapest option, but if you’re a safe driver and can take advantage of its many discounts, you can find competitive rates with Allstate.

Sizeable Bundling Discount

Allstate offers a home and auto bundling discount that can save you up to 25 percent on your car insurance. Bundling is also a great way to manage multiple policies under the same provider, allowing you to make changes to both policies, track claims, and manage your accounts from the same online portal or mobile app.

Usage-Based Insurance Discount

Allstate’s usage-based insurance program, Drivewise, is designed to encourage and reward safe driving habits. Allstate will track your driving habits, score you based on how safely you drive, and reward you for safe driving by offering discounts for higher scores. You get 10 percent off your policy just for signing up, and you can earn up to 40 percent on your next renewal depending on how well you drive.

Here’s what Allstate tracks through Drivewise:

• Speeding (over 80 mph)
• Hard braking
• High-risk times of driving—11:00 p.m. to 4:00 a.m. on weekdays, and 11:00 p.m. to 5:00 a.m. on weekends

Excellent Digital Services

Like Progressive, Allstate holds above-average ratings for both shopping and service experience in J.D. Power’s 2024 Digital Insurance Study.⁶ The company’s digital services and online features offer a seamless, user-friendly experience that can help you manage your auto insurance needs with ease. Its mobile app and online portal have an intuitive interface that can get you to your digital ID or claims tracking needs in a matter of seconds. Here’s everything you can do through Allstate’s website and mobile app:

• View your digital ID card
• File and track claims
• Pay your bills
• Request roadside assistance
• Add a new driver or vehicle to your policy
• Higher your insurance limits and add new coverage
• And more!

Here’s how Allstate’s mobile apps score for iPhone and Android users.

You might have a better experience on an iPhone rather than an Android phone. Allstate’s app holds higher ratings for iOS than Android, and some Android users report issues with the Drivewise functionality in the app.

Like State Farm, Concord boasts cheap average rates for all drivers, as well as the best rates for teens in Vermont. Teens pay the most for auto insurance out of any other age group, so Concord is a great option to start your search for an affordable provider.

Cheapest for Teens

In Vermont, Concord offers the best rates on average for teens, making it our top pick if you’re a teen or parent of a teen.

Free Coverage Perks

If you’ve purchased a vehicle in the past 12 months, Concord will automatically integrate additional coverage at no extra cost. Its personal auto coverage enhancement (PACE+) perk includes the following protections:

• New car replacement
• Lost earnings reimbursement for time spent in court due to an accident
• Full glass coverage with no deductible
• Waiver of collision deductible

Coverage for Emergencies

Concord offers two coverage options, roadside assistance and accident forgiveness, that add a layer of protection in an emergency.

• Roadside Assistance: Concord offers 24/7 roadside assistance if you find yourself on the road with a flat tire, dead battery, lost keys, or other roadside emergency.
• Accident forgiveness: You can prevent your premiums from increasing after your first at-fault accident with this optional coverage.

Seniors enjoy some of the best average car insurance rates in the country, and in Vermont that trend is no exception. You can expect to pay less for car insurance with most providers, and especially with Union Mutual.

Cheapest Rates for Seniors

Union Mutual’s low rates for seniors, several coverage options, and discounts make it a great choice for older Americans in Vermont.

Insure Multiple Vehicle Types

On top of a standard policy for your sedans, trucks, vans, and other standard vehicle types, Union Mutual offers insurance for the following vehicles:

• A custom or modified car
• Motor homes
• Recreational trailers and campers
• Utility trailers
• Horse trailers

Several Ways to Save

Whether you want to bundle insurance policies, get more out of your company vehicle, or improve your driving habits, Union Mutual offers several auto insurance discounts.