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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.
Jump to:
- Cheapest full coverage auto insurance in Vermont: USAA ($758 annually) and State Farm ($898 annually)
- Cheapest minimum coverage: USAA ($215 annually) and State Farm ($286 annually)
- Cheapest with a speeding ticket: USAA ($823 annually) and State Farm ($833 annually)
- Cheapest with a teen driver: USAA ($2,747 annually) and Concord Group ($2,868 annually)
- Cheapest for low credit: USAA (1,408 annually) and GEICO ($1,641 annually)
- Cheapest with a DUI: State Farm ($1,211 annually) and Progressive ($1,286 annually)
- Cheapest with an at-fault accident: USAA ($1,062 annually) and State Farm ($1,064 annually)
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
- 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.
- 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.
- 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.
- 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
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
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyInsurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/
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