Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Vermont.

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Updated on Jan 30, 2025

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Head of Insurance Operations

Edited by Lina Zhang, Lisenced Insurance Agent

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in Vermont
Cheapest car insurance companies in Vermont
Vermont Car Insurance Coverage Requirements
Vermont Car Insurance Rating Factors
How Do Different Factors Impact Your Car Insurance Costs in Vermont?
Car Insurance for High-Risk Vermont Drivers
Car Insurance for Vermont Drivers With DUI
Car Insurance for Vermont Drivers With a Coverage Lapse
Car Insurance for Vermont Drivers With a Low Credit Score
Cheapest Vermont car insurance by age
Cheapest car insurance for popular cars
Car insurance cost for new vs. old car
Vermont cheapest car insurance by location
How to lower the cost of car insurance in Vermont
Why does car insurance cost this much in Vermont
FAQs
Methodology
Meet our Experts

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How to find the cheapest car insurance quotes in Vermont

The truth is that there is no single auto insurance company that can offer the lowest rates for every single driver. Every driver is unique, so their insurance premium will be unique, too.

If you want to find the lowest rates, the key is to

gather quotes

from multiple insurers. This allows you to find the best car insurance for your coverage needs.

In Vermont, drivers are using

Jerry Insurance Agency

to compare quotes and sign up for affordable car insurance. Check out these prices from real Vermont drivers.

Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
January 21, 2025	Progressive	$120	Donald, 30 Rutland, VT	Ford Escape SE	• State Minimum Liability • Comp / Collision
January 20, 2025	Safeco	$143	Josephine, 25 Burlington, VT	Volkswagen Jetta S	• 100,000/300,000 Liability • Comp / Collision
January 17, 2025	Progressive	$145	Betty, 23 Burlington, VT	Subaru XV Crosstrek 2.0 Limited	• 50,000/100,000 Liability • Comp / Collision
January 14, 2025	Travelers	$276	Lottie, 24 Springfield, VT	RAM 1500 ST	• 100,000/300,000 Liability • Comp / Collision
January 12, 2025	Nationwide	$81	Nettie, 29 Burlington, VT	Jeep Cherokee Limited	• 300,000/300,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

Compare car insurance quotes now

Cheapest car insurance companies in Vermont

Looking for car insurance deals in Vermont? Jerry has gone the extra mile and conducted an extensive survey on insurance shopping, including rates, providers, and factors that affect your premium.

Our survey proves that there is no single car insurance company that can be universally considered the absolute cheapest option for every driver in Vermont.

State Farm

USAA

, and

GEICO

tend to offer the most affordable rates to the Vermont drivers who qualify, but it’s not a guarantee that you’ll get this low rate. Other auto insurance companies in Vermont include

Progressive

Allstate

, Concord, and

Nationwide

—but their typical rates all exceed the state average.

Insurance company	Date	City	Cost rating (out of 5)	What our customer said:
Anchor General	January 30, 2025	Burlington, VT	5	"Never any question on coverage. Just pay the bill." -Brent
AAA	January 26, 2025	Springfield, MO	5	"saves me like $600 dollars a year!" -Bobby
Nationwide	January 23, 2025	Mcdonough, GA	5	"great service all around and they have great prices " -Josephine
Nationwide	January 20, 2025	Huntington Park, CA	5	"Excellent service " -Sue
AAA	January 18, 2025	Burlington, VT	3	"Good but expensive" -Alma

Last Updated Jan 30, 2025

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

The most hassle-free way to

shop for car insurance

is to use an app or website to simplify the

quote comparisons

Jerry’s app is purpose-built to help drivers compare quotes and sign up for a policy. Thanks to dedicated support from

Jerry’s licensed insurance agents

, Vermont drivers can find an affordable policy in no time at all.

Minimum liability and full coverage insurance requirements in Vermont

Under

Vermont state law

, all drivers are compelled to carry a minimum level of

liability coverage

as well as

uninsured motorist coverage

. Full coverage (comprehensive and collision coverage) is optional, but keep in mind that liability-only policies will only protect other people and their property.

Cheapest minimum liability coverage car insurance quotes in Vermont

If you’re a Vermont driver, you’re subject to the 25/50/10 state minimum liability requirements for car insurance:

$25,000 per person of

bodily injury liability

coverage

$50,000 per accident of bodily injury

$10,000 per accident of

property damage liability

In addition, Vermont drivers must purchase uninsured motorist (UM) coverage in a 50/100/10 configuration:

$50,000 per person of

uninsured motorist

bodily injury

$100,000 per accident of uninsured motorist bodily injury

$10,000 per accident of uninsured motorist property damage

No driver is exempt from this requirement, according to the Vermont code regarding auto insurance requirements.

Take a look at how Jerry has helped Vermont drivers find affordable minimum liability coverage.

Progressive

Alan (43 years old)

Coverage

State Minimum

West Rutland, VT

Chevrolet Impala LT

$88

per month

Travelers

James (43 years old)

Coverage

State Minimum

Westminster, VT

Toyota Venza LE

$91

per month

Safeco

Pearl (38 years old)

Coverage

State Minimum

Johnson, VT

Subaru Forester 2.5I

$102

per month

Gainsco

Jeff (46 years old)

Coverage

State Minimum

South Burlington, VT

Hyundai Elantra GT

$62

per month

Dairyland

Warren (26 years old)

Coverage

State Minimum

Lyndon, VT

Ford Ranger Super Cab

$70

per month

Do you need more than minimum coverage in Vermont?

While you will be legally compliant if you have 25/50/10 liability coverage and 50/100/10 UM coverage, the reality is that this level of coverage may not give you enough protection in a car accident.

If you are sued after an at-fault accident to pay for someone else’s medical expenses and car repairs, the costs could easily exceed these coverage limits. The average cost of a new car alone is just under $50,000, and hospital bills can pile up with prolonged stays.

Our advice is to get as much liability coverage as you can afford. The difference in your monthly coverage rates will be minor, but you and your family will be far more protected.

The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase full coverage.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

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Cheapest full coverage car insurance quotes in Vermont

Full coverage is the only way to protect yourself and your vehicle, since liability only protects others. If you can afford it, look into full coverage for ultimate peace of mind—from deer collisions to fender benders.

A full coverage policy includes comprehensive and collision coverage.

Collision coverage

: As the name indicated, this portion pays for damages from collision-related accidents. This could be a simple scratch or major body work.

Comprehensive coverage

: This portion covers any non-collision damage, such as hail dents, hitting a deer, vandalism, and car theft.

Be aware that

financed vehicles

are typically required to carry full coverage. That’s because lenders want to protect their investment. If you have a financed vehicle, check with your lender before you purchase a policy.

Vermont drivers are

purchasing full coverage

policies with Jerry’s help. Here’s a look at their costs, locations, and models.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 100,000/300,000 Liability • Comp / Collision	Progressive	$103	Lina, 52 Winooski, VT	Toyota Matrix XR
• State Minimum Liability • Comp / Collision	Safeco	$102	Pearl, 38 Johnson, VT	Subaru Forester 2.5I
• 50,000/100,000 Liability • Comp / Collision	Travelers	$76	Sara, 33 Brighton, VT	Toyota Avalon
• 100,000/300,000 Liability • Comp / Collision	Nationwide	$80	Ethel, 44 Swanton, VT	Mazda 6 S
• 50,000/100,000 Liability • Comp / Collision	Dairyland	$201	Steve, 27 Stowe, VT	Subaru Forester 2.5X Limited

Last Updated Jan 26, 2025

Average rates for minimum liability coverage and full coverage car insurance in Vermont

Studies show that the average cost of minimum liability insurance in Vermont is about $81 per month, or $971 per year. That’s a lot lower than the national average. For full cost coverage, drivers pay closer to $135 per month, or $1,620 per year.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$62	$748
Full coverage	$123	$1,471

Keep in mind that average insurance rates can only give you a general idea of your potential insurance expenses. Your individual circumstances all contribute to your unique driver profile:

The type of vehicle you drive

Your driving record

Your claims history

Demographic factors

Your premium will be tailored to you and may differ from the average rates.

Vermont drivers can expect to spend approximately $81 per month for minimum liability coverage or $135 per month for full coverage. Your premium could be a lot higher, depending on your driving history.

Vermont car insurance: Additional coverages

Need more protection? Vermont drivers can purchase a variety of other coverages in case of emergency:

Towing and labor coverage

Rental reimbursement coverage

New car replacement insurance

Personal injury protection

Medical payments (MedPay)

Do you have a financed vehicle?

Gap insurance

can help protect you in the event of a total loss. You’re still on the hook for paying back the loan after a total loss. While you will get a payout for the actual cash value, the amount you owe might be more than this payout. Gap insurance covers the gap.

Do you not own your own car?

Non-owner car insurance

in Vermont will

follow the driver

, instead of the vehicle. You get liability protection no matter which car you’re borrowing or renting. Just keep in mind that non-owner coverage does not give you any coverage for the car or yourself.

MORE:

Types of insurance

Not in Vermont?

New Hampshire car insurance

New York car insurance

Massachusetts car insurance

Maine car insurance

Connecticut car insurance

Rhode Island car insurance

New Jersey car insurance

Pennsylvania car insurance

Car insurance premium by rating factors

You may know that your driving history affects your premium, but did you know that credit score and zip code matter, too? Each company has its own method for calculating rates, but all companies are likely to factor in these elements:

Your driving record and claims history: Even a single speeding ticket could trigger high rates for a few years.

Your credit score: People with good credit (aka higher scores) tend to get lower insurance rates.

Zip code: Zip code represents risk. Some areas are statistically more likely to experience bad weather, traffic accidents, or auto theft. Think about the risks in downtown Burlington versus the outskirts of Montpelier.

Your make and model: If you drive a luxury model or a sports car, you can expect to pay more for insurance. Repair costs are higher for these models.

Usage: If you commute long distances daily, expect to pay more for insurance.

How Do Different Factors Impact Your Car Insurance Costs in Vermont?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Vermont currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Alabama:

Cheapest Vermont car Insurance after a driving violation

Because car insurance is about mitigating risk, your

history of driving violations

is a key determinant in how much you pay for coverage. More violations means more risk to the company.

High-risk drivers

can expect to pay higher than average rates for insurance in Vermont.

Cheapest car insurance for Vermont drivers with a speeding ticket

Speeding is against the law in Vermont, but speeders receive higher penalties for higher speeds: 1-9 MPH, 10-19 MPH, 20-29 MPH, and 30+ MPH over the speed limit. Depending on how fast you’re going, you could be charged with

reckless driving in Vermont

, which carries fines and point penalties. A

speeding ticket

has a negative impact on your car insurance rates, until the ticket falls off your record.

Here’s how Jerry has helped Vermont drivers with speeding tickets. Check out how much they paid for car insurance and what kind of speeding ticket they received.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Speeding 16-20	Progressive	$63	Mabel, 39 Milton, VT	• State Minimum Liability

Last Updated Jan 30, 2025

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Safeco was able to save me $70 monthly to ensure my 2 cars, very satisfied!

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Natalie

Very cheap and convenient coverage

Keneil

Cheapest auto insurance in Vermont after a DUI

If you have been convicted of a

DUI in Vermont

, you can expect very high premiums for car insurance. You could even be denied coverage by some auto companies.

If you’re looking for coverage after a DUI, take a look at how Jerry has helped Vermont drivers find affordable rates after a DUI.

Nationwide

Mable (30 years old)

DUI

Coverage

State Minimum

Springfield, VT

Chevrolet Tahoe

$59

per month

Nationwide

Jim (31 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Springfield, VT

Volkswagen Atlas

$78

per month

Vermont SR-22 insurance

After a serious traffic violation, the state can compel a risky driver to prove financial responsibility before getting on the road again.

Filing an

SR-22 in Vermont

comes with a small fee. It’s a non-negotiable step in the process of regaining your driving privileges after a serious violation. The company must file this form for you—you cannot file it for yourself. Along with the fee for the form, you can expect your insurance rates to be extremely high.

Here are a few reasons that you could be required to file an SR-22 in Vermont:

You caused a serious at-fault accident.

You were convicted of a DUI or DWI.

You were caught

driving without insurance

You drove on a

suspended license

Cheapest Utah auto Insurance after an at-fault accident

An at-fault accident will negatively impact your rates, but you should still shop around to compare quotes.

Take a look at the rates for real Vermont drivers with at-fault accidents on record.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With No Injury	Progressive	$80	Lizzie, 32 Brighton, VT	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Safeco	$154	Teresa, 39 Brattleboro, VT	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Travelers	$161	Luella, 29 Essex, VT	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

FAQs

Is Vermont an at-fault state?

Yes,

Vermont is an at-fault state

. You file against the at-fault party to pay for damages in an accident, versus a no-fault state where all parties must file against their own policies first.

The bottom line: All Vermont drivers are required to carry minimum liability coverage and uninsured motorist bodily injury insurance, but experts recommended higher coverage levels for most drivers.

Cheapest auto insurance after other violations in Vermont

Even minor violations, such as turning illegally at an intersection, could have an impact on your car insurance rates, according to the Vermont laws.

Here’s a summary of common traffic violations in Vermont, and how they affect car insurance rates for Jerry drivers.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Driving on Sus. License	Progressive	$244	Mamie, 25 Newport Center, VT	Toyota Tacoma Double Cab	• 100,000/300,000 Liability • Comp / Collision
DUI	Progressive	$388	Erik, 33 Underhill, VT	GMC Sierra K1500	• 100,000/300,000 Liability • Comp / Collision
Improper Passing	Progressive	$244	Jeff, 25 Newport Center, VT	Toyota Tacoma Double Cab	• 100,000/300,000 Liability • Comp / Collision
Speeding 16-20	Safeco	$77	Laura, 34 Colchester, VT	GMC Sierra K1500	• 100,000/300,000 Liability • Comp / Collision
Speeding Violation-Minor	Travelers	$76	Eugene, 32 Brighton, VT	Toyota Avalon	• 50,000/100,000 Liability • Comp / Collision
Suspension	Safeco	$137	Laura, 34 Colchester, VT	Buick Envision Essence	• State Minimum Liability • Comp / Collision
Other Minor	Nationwide	$64	Michael, 39 Richmond, VT	Toyota Prius	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 28, 2025

How to find cheap Vermont car insurance after a car insurance lapse

Whether it’s a day or a year, a

lapse in coverage

is a sign of risky behavior to insurance companies. If you’ve had a lapse, you can expect to pay higher than average costs until you can build up a history of continuous insurance again.

Jerry has figured out a way to help people avoid lapses. We send helpful reminders to eligible customers, so you can avoid late payments and canceled policies.

Do you have a lapse on record? Here’s how you could find savings on a car insurance policy in Vermont with help from Jerry.

Progressive

Adeline (29 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Essex Junction, VT

Nissan Rogue S

$91

per month

Travelers

Martha (29 years old)

Not Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Bristol, VT

Chevrolet Malibu 1LT

$106

per month

Safeco

Bertha (32 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Brighton, VT

Toyota Avalon

$96

per month

Safeco

Eric (26 years old)

Not Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Mount Holly, VT

RAM 1500 Sport

$165

per month

Gainsco

Ian (45 years old)

Currently Insured

Coverage

State Minimum

South Burlington, VT

Hyundai Elantra GT

$62

per month

Progressive

Isaiah (35 years old)

Not Currently Insured

Coverage

State Minimum

Barre, VT

Toyota Corolla LE

$157

per month

Cheapest Vermont car insurance for drivers with poor credit

Drivers with bad credit

tend to file more claims, according to insurance studies. That’s why poor credit will trigger a higher car insurance premium. If your score is under 600, expect to pay much higher rates.

The bright side is that your premiums will go down as your credit score grows. Take a look.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$170	Johanna, 31 Essex Junction, VT	Subaru Impreza Premium	• 100,000/300,000 Liability • Comp / Collision
660 - 750	Progressive	$145	Leonard, 22 Winooski, VT	Subaru XV Crosstrek 2.0 Limited	• 50,000/100,000 Liability • Comp / Collision
550 - 659	Progressive	$91	Alta, 29 Essex Junction, VT	Nissan Rogue S	• 50,000/100,000 Liability • Comp / Collision
< 550	Gainsco	$62	Mabelle, 45 South Burlington, VT	Hyundai Elantra GT	• State Minimum Liability

Last Updated Jan 30, 2025

How to find cheap auto insurance in Vermont for your age

Age is highly correlated with risk when it comes to driving. Very young and very old drivers face higher premiums because of the additional risks due to lack of experience and deteriorating mental and physical abilities.

Specifically, drivers under 25 and over 75 pay more for coverage in Vermont.

Cheapest Vermont car insurance for young drivers

Among young people, teen drivers under the age of 19 pay the higher rates for car insurance in Vermont. Young people have not spend as much time on the road, so they’re at a higher risk for getting into an accident. If you have a young driver in the house and they’re driving a newer vehicle, we recommend considering full coverage car insurance.

Take a look at these

options for young drivers

in Vermont.

Progressive

Wayne (23 years old)

Coverage

State Minimum

Swanton, VT

Ford Focus SEL

$124

per month

Progressive

Betty (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Burlington, VT

Subaru XV Crosstrek 2.0 Limited

$145

per month

Progressive

Gabriel (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Barre, VT

Cadillac ATS

$165

per month

Travelers

Lottie (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Springfield, VT

RAM 1500 ST

$276

per month

Safeco

Craig (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Sharon, VT

Jeep Cherokee Trailhawk

$221

per month

Cheapest Vermont car insurance for senior drivers

As we age, our eyesight and mental quickness can decline. Plus, our bodies become much more vulnerable to injuries. These are serious concerns for car insurance companies, which is why senior drivers in Vermont tend to pay more for car insurance.

Progressive

Tony (74 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Brattleboro, VT

Subaru Forester 2.5I Limited

$87

per month

Progressive

Brandon (65 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Newport Center, VT

Toyota Camry LE

$85

per month

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Excellent and very friendly - keep going

Rohit

Got me covered fully for half the price of the competition, one happy customer over here!

Jacob-1

Happy with my insurance coverage and rate Jerry really helped me find the best rate to fit my needs.

Amanda

Cheapest car insurance for popular cars

Your make and model play a key role in determining how much you pay for insurance. A special edition Range Rover naturally costs more to repair than a standard Ford F-150, right?

These are some of the most popular cars in Vermont:

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Chevrolet Chevrolet_silverado_c1500	AAA	$52	Eliza, 42 Springfield, VT	• State Minimum Liability • Comp / Collision
Ford Ford_f-150_heritage_classic	Safeco	$67	Gertrude, 39 Burlington, VT	• 50,000/100,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

MORE:

How to get car insurance before buying a car

Car insurance cost for new vs. old car

It’s typical to pay more to insure a newer car. New models tend to cost more to repair and replace. There can be a difference in price of hundreds of dollars between insuring a car older than 10 years and newer than five years old.

Progressive

Dennis (26 years old)

2005 Ford Ranger Super Cab

Coverage

State Minimum

Lyndon, VT

$81

per month

Progressive

Lina (52 years old)

2005 Toyota Matrix XR

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Winooski, VT

$103

per month

Safeco

Violet (50 years old)

2005 Dodge Grand Caravan SE

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Wells River, VT

$69

per month

Vermont cheapest car insurance by location

Zip code is one of the most important factors in calculating your car insurance rate. Your neighborhood has unique crime statistics, traffic accident rates, weather patterns, and even theft rates. Insurers take this information into account when determining your premium.

Here’s how Jerry Insurance Agency helps people find low rates all across Vermont.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance coverage
Burlington, VT	Mike, 45	Progressive	$70	Subaru Legacy 2.5I	• 100,000/300,000 Liability
Burlington, VT	Jacob, 25	Safeco	$143	Volkswagen Jetta S	• 100,000/300,000 Liability • Comp / Collision
Burlington, VT	Carlos, 29	Nationwide	$81	Jeep Cherokee Limited	• 300,000/300,000 Liability • Comp / Collision
Springfield, VT	Hettie, 24	Travelers	$276	RAM 1500 ST	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 27, 2025

How to lower the cost of car insurance in Vermont

Ready to save money on car insurance? Ask about discounts or adjustments to your coverage. Try some of these tips to cut costs:

Always compare rates before renewing or buying a policy..

Ask about

car insurance discounts

, like the good driver or anti-theft device discount.

Increase your deductible, if you can afford it.

Enroll in a state-approved training course.

Ask about bundling home or renter’s coverage with your auto policy.

Remove collision and comprehensive coverage on low-value older cars.

Remove duplicate coverages, like towing and labor if that service is offered by one of your credit providers or your cell carrier.

Why does car insurance cost this much in Vermont

In general, Vermonters pay very low prices for car insurance. Here’s why:

Low crime rates

Low number of fatal crashes

Low number of unlicensed drivers

FAQs

Do you need insurance to register a car in Vermont?

Yes. You must have a car insurance policy before you can

, according to the state’s helpful online documents wizard.

Does Vermont require car insurance?

Yes. Vermont requires all drivers to carry minimum amounts of car insurance to drive legally.

How much is car insurance in Vermont?

Car insurance rates are highly individual. We recommend shopping around to compare quotes and asking about discounts (like the safe driving discount) to get your number as close to the average figure as possible (or lower!).

What increases car insurance rates in Vermont?

Vermont’s insurance rates tend to fall well below the national average. However, if your rates are increasing, it could be due to several factors, such as:

Traffic tickets and moving violations

Traffic accidents

Excessive claims

Increased coverage or addition of a driver

If none of these situations applies to you, it’s time to reach out to your provider to find out why your rates are going up. It may also be time to start shopping for a new policy.

What is full coverage car insurance in Vermont?

In Vermont, full coverage car insurance will include both the state’s minimum requirements for liability and uninsured motorist protection and comprehensive and collision coverage. You may also choose to add a variety of additional coverages and add-on perks with most full coverage policies.

Do you need personal injury protection (PIP) coverage in Vermont?

No, PIP is an optional coverage for Vermont drivers.

What is the minimum car insurance in Vermont?

Car insurance requirements for Vermont drivers include 25/50/10 liability coverage along with 50/100/10 of uninsured motorist coverage.

What is the lowest form of car insurance in Vermont?

The lowest form of car insurance is a comprehensive-only plan. Often referred to as “parked car” or “

car storage

” insurance, this is a low cost plan that protects your vehicle from damage or theft while it’s not being driven.

If you will be driving your vehicle, the lowest coverage you can legally get by with in Vermont is 25/50/10 liability coverage along with 50/100/10 of uninsured motorist coverage.

Which 2 types of insurance are required on every vehicle in Vermont?

Liability coverage and uninsured motorist coverage are the two types of coverage required for all vehicles in Vermont.

How much is car insurance per month in Vermont?

The average Vermont driver will pay $32 per month or $385 per year for bare minimum protection. For full coverage, the average driver will spend approximately $67 per month or $812 per annual premium.

Is insurance cheaper in Vermont?

Yes! Vermonters enjoy some of the cheapest car insurance rates in the nation, even though drivers in some cities and zip codes report higher than average premiums.

Who has the best cheap car insurance in Vermont?

There’s no single company that will be cheapest for every driver. However, State Farm, USAA, and GEICO tend to offer some of the lowest rates in the state. Note that USAA is only available to members of the military and their families.

Can your car get towed for no insurance in Vermont?

Yes. If your vehicle is uninsured or underinsured—and law enforcement finds out—your registration will be revoked. Then, your vehicle will be towed. To recover the vehicle, you’ll have to show proof of insurance and pay the impound fees.

Does insurance follow the car or the driver in Vermont?

Like in other states, car insurance in Vermont follows the car. If you occasionally loan your car to a friend, they’ll be covered under your policy due to permissive use. However, regular borrowers or people living in the same household should get their own policy.

An exception is non-owner insurance, which follows the driver from car to car.

Can you have out of state car insurance in Vermont?

If you’re just passing through Vermont, your policy should still cover you. However, you’ll need to purchase a local policy once you become an official resident of Vermont.

Can you have both PIP and MedPay in Vermont?

No, you can either have PIP or MedPay. PIP covers many of the same incidentals that MedPay covers, but it’s not exactly the same. This coverage is most helpful for people without health insurance.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

15 Years Working in Insurance

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.

Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

Learn more

about our editorial standards, and our expert review board

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.