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Last updated: March 19, 2025

Compare Cheap Auto Insurance in Vermont

USAA and State Farm offer the lowest average rates for most drivers in Vermont.

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The cost of auto insurance in Vermont is very low: about half the national average. In fact, even if you’ve gotten a DUI, you can still find insurance for less than half of the national average. The statewide average for full coverage car insurance in Vermont is only $1,213. In the United States as a whole, the average is $2,399. If you opt for minimum coverage insurance, the statewide average drops to $406 — compare that to the national average of $635.

Overview

  • In Vermont, the average cost of full coverage car insurance is $1,213. Minimum coverage is $406 on average.
  • In most categories, USAA is the cheapest insurer; State Farm is usually the second cheapest. Keep in mind that USAA is only available to current and past military members and their families.
  • Vermont Mutual generally also has affordable rates, except if you have a DUI or poor credit.

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Cheapest Car Insurance in Vermont for Full Coverage: USAA

On average, USAA offers the cheapest car insurance in Vermont at $758 per year. This is 38% lower than the statewide average of $1,213, and less than a third of the nationwide average. If you’re not eligible for USAA, then State Farm is your next best bet. State Farm’s average in Vermont is $898, which is still 26% lower than the Vermont statewide average.

Provider Annual Full Coverage Monthly Full Coverage
USAA $758 $63
State Farm $898 $75
Vermont Mutual $1,079 $90
Nationwide $1,144 $95
Progressive $1,150 $96
GEICO $1,216 $101
Concord Group $1,398 $117
Allstate $1,852 $154
Statewide average $1,213 $101
National average $2,399 $200

Cheapest Car Insurance in Vermont for Minimum Coverage: USAA

USAA also offers the lowest average prices for minimum coverage in Vermont at $215 annually, which is about half of the statewide average of $406, and a little over a third of the national average of $635. If you’re not eligible for USAA, State Farm is once again your best choice. Its minimum coverage policies are $286 on average in Vermont, which is still a bargain compared to the statewide average.

Provider Annual Minimum Coverage Monthly Minimum Coverage
USAA $215 $18
State Farm $286 $24
Vermont Mutual $379 $32
Progressive $414 $35
GEICO $495 $41
Concord Group $498 $42
Allstate $504 $42
Statewide average $406 $34
National average $635 $53

Cheapest Car Insurance in Vermont for Teen Drivers: USAA

Once again, USAA is the cheapest car insurance for households with teen drivers in Vermont. Its average premium for teens is $2,747. Those who are not eligible for USAA should look to Concord Group, which has the next lowest prices at $2,868 on average.

Provider Annual with Teen Driver Monthly with Teen Driver
USAA $2,747 $229
Concord Group $2,868 $239
Vermont Mutual $3,171 $264
State Farm $3,510 $292
Nationwide $4,166 $347
Progressive $4,189 $349
GEICO $4,376 $365
Allstate $5,018 $418
Vermont average $3,432 $286
National average $5,327 $444

Cheapest Car Insurance in Vermont With a Speeding Ticket: USAA

USAA has the cheapest coverage for military drivers in Vermont with a speeding ticket. Its average rate is $823 per year, which is lower than both the state and national average. For non-military drivers, State Farm also offers affordable premiums at $833 on average.

Provider Annual With Speeding Ticket Monthly With Speeding Ticket
USAA $823 $69
State Farm $833 $69
Vermont Mutual $1,351 $113
Progressive $1,464 $122
GEICO $1,468 $122
Allstate $1,931 $161
Statewide average $1,361 $113
National average $2,511 $209

Cheapest Car Insurance in Vermont With an At-Fault Accident: USAA

USAA offers the most affordable insurance coverage for Vermont drivers with an at-fault accident, at $1,062 per year. For drivers not eligible for USAA, State Farm and Vermont Mutual are the cheapest options, at $1,064 and $1,282 annually — both below the state average of $1,579.

Provider Annual With At-Fault Accident Monthly With At-Fault Accident
USAA $1,062 $89
State Farm $1,064 $89
Vermont Mutual $1,282 $107
Nationwide $1,668 $139
Progressive $1,854 $155
GEICO $2,075 $173
Concord Group $2,116 $176
Allstate $2,353 $196
Statewide average $1,579 $132
National average $2,812 $234

Cheapest Car Insurance in Vermont With a DUI: State Farm

Drivers with a DUI on their record in Vermont may find the best rates from State Farm and Progressive, at $1,211 annually and $1,286 annually, respectively. Both companies’ rates are significantly lower than the state average of $2,422. Progressive is known for offering good rates for drivers with a DUI and is one of our picks for best high-risk auto insurance.

Provider Annual With DUI Monthly With DUI
State Farm $1,211 $101
Progressive $1,286 $107
USAA $1,461 $122
Allstate $2,348 $196
GEICO $3,565 $297
Vermont Mutual $3,919 $327
Statewide average $2,422 $202
National average $3,305 $275

GOOD TO KNOW:

A DUI conviction in Vermont can cause your premiums to double on average. Don’t drink and drive — not only to avoid harming yourself and others but also to prevent steep price hikes.

Cheapest Car Insurance in Vermont With Low Credit: USAA

USAA once again comes in with the lowest rates for Vermont drivers with low credit scores. The average annual premium from USAA for this class of drivers is $1,408, which is around $600 cheaper than the statewide average and nearly $2,000 less than the national average. Drivers who aren’t eligible for USAA should consider GEICO, which has an average premium of $1,641.

Provider Annual with Low Credit Monthly with Low Credit
USAA $1,408 $117
GEICO $1,641 $137
Progressive $1,970 $164
Allstate $2,418 $201
Vermont Mutual $2,528 $211
State Farm $2,732 $228
Statewide average $2,029 $169
National average $3,377 $281

Best Claims and Customer Satisfaction in Vermont: State Farm

State Farm offers strong customer service in Vermont, followed by Allstate. However, Allstate tends to have high average rates, making State Farm an ideal choice for high quality service and affordable prices. Your rates may differ from the averages, so it’s always a good idea to get multiple quotes before deciding which company is the best fit for you. USAA also provides great customer service, but it’s only available to the military community.

Provider New England Customer Satisfaction (J.D. Power)1 Claims Satisfaction (J.D. Power)2 CRASH Network Insurer Report Card Grade3
USAA 741 726 D+
State Farm 664 710 C-
Allstate 646 691 D
GEICO 638 692 C-
Progressive 620 672 C
Nationwide N/A 728 C
Vermont Mutual N/A N/A D+
Average 637 697 C+

How to Find the Cheapest Car Insurance Rates in Vermont

  1. Drive safely: Insurance in Vermont is already cheap, but you can make it even cheaper by maintaining a clean driving record. And, of course, the benefits of safe driving extend beyond your wallet. Staying cautious on the road ensures you’ll be able to actually enjoy all that money you’re saving.
  2. Get several quotes: As a Vermonter, you’re already ahead of the game when it comes to getting a deal just by living in the Green Mountain State. But it’s still smart to shop around. Insurers in Vermont offer a wide variety of prices, and by getting multiple quotes, you can avoid overpaying.
  3. Sign up for a telematics program: Telematics programs are offered by most major insurers and can save you a big chunk of change — sometimes over 20% of your premium. When you sign up for a telematics program, your insurer will either give you a device or ask you to download a mobile app. In both cases, your insurer will monitor your driving and give you a discount if you drive safely (for example, by not driving over the speed limit). But be warned: some insurers will raise your rates if they detect any risky driving behaviors, so make sure you carefully go over the details of the policy you’re considering.
  4. Check for discounts: Most insurers offer discount programs. For example, if you’re a young driver, you can usually lower your premium by taking driver’s ed and getting good grades. Adults can usually get discounts by taking defensive driving courses and bundling their car insurance with other insurance products, like home insurance. Discount programs vary from insurer to insurer, so check with yours to see what’s available.

Average Auto Insurance Cost in Vermont by City

Prices in Vermont are very low on average, and given that it’s such a small state, rates don’t vary significantly from city to city. However, there is still some variation — the state capital, Montpelier, has average rates of $1,101 annually, while Bennington is slightly more expensive at $1,271 annually on average.

City Annual Full Coverage Monthly Full Coverage
Bennington $1,271 $106
Rutland $1,164 $97
Newport $1,158 $96
Burlington $1,157 $96
Montpelier $1,101 $92
Vermont average $1,213 $101

Minimum Car Insurance Requirements in Vermont

Vermont law requires that all drivers carry a minimum amount of car insurance, including bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage:

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured/underinsured motorist coverage: $50,000 per person/$100,000 per accident

If you prefer to self-insure, you can file $115,000 with the Commissioner of Motor Vehicles.

Vermont requires uninsured motorist coverage, which can help protect you against out-of-pocket costs if you get hit by an uninsured driver. However, these are just the minimums, and it’s generally considered a good idea to get more than the bare minimum. Considering that Vermont car insurance rates are already so low, it’s hard to argue against boosting your coverage a bit — it can save you a lot of money in the long run.

Frequently Asked Questions

Who has the cheapest car insurance in Vermont?

USAA and State Farm have the lowest average rates for full coverage ($758 annually and $898 annually) and minimum coverage ($215 annually and $286 annually) in Vermont.

Is GEICO cheaper than State Farm?

No — in Vermont, GEICO is generally more expensive than State Farm. There’s one exception: if you have poor credit, GEICO is cheaper on average. However, car insurance premiums are very individualized, so you can’t go entirely by the averages. To make sure you’re getting the best rates, reach out to both State Farm and GEICO for quotes, as well as at least one other company.

Is it illegal to drive without insurance in Vermont?

Yes, it is illegal to drive without insurance in Vermont. All Vermont drivers must have at least $25,000 of liability coverage per person and $50,000 per accident; $10,000 for property damage per accident; and $50,000 of uninsured/underinsured motorist coverage per person and $100,000 per accident. If you don’t have that, you can self-insure with $115,000 filed with the Commissioner of Motor Vehicles.

Is Vermont a no-fault state?

No, Vermont is not a no-fault state; it is an at-fault state. That means that whoever causes the accident is required to cover the damages.

Methodology

We analyze average auto insurance premiums in Vermont for full and minimum coverage, considering good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
Maya Afilalo Headshot MBA Photo
Written by:Maya Afilalo
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.

Citations

  1. 2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
    https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study

  2. 2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
    https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study

  3. Insurer Report Card. CRASH Network. (2025).
    https://www.crashnetwork.com/irc/