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Last updated: February 10, 2026Best Auto Insurance in Vermont of 2026
State Farm, GEICO, Allstate, Amica and Concord are our top picks for car insurance in the Green Mountain State.
Best Value
Editor's Rating:
4.9/5
4.9/5Full Coverage Averages in Vermont
- Annual premium: $1,201
- Monthly premium: $100
Best for Drivers With Bad Credit
Editor's Rating:4.2/5
4.2/5Full Coverage Averages in Vermont
- Annual premium: $1,425
- Monthly premium: $119
Best for Add-on Coverages
Editor's Rating:4.4/5
4.4/5Full Coverage Averages in Vermont
- Annual premium: $1,881
- Monthly premium: $157
Key Takeaways
- Our picks for the best auto insurers in Vermont are State Farm, GEICO, Allstate, Amica and Concord. The right insurer for you will depend on your circumstances.
- Vermont is a relatively cheap state for car insurance. Full coverage costs an average of $1,478 annually, while minimum coverage averages $410 annually, both of which are significantly lower than the national averages.
- Our pricing data includes average rates, which can give you an idea of how companies compare, but keep in mind that your rates will likely differ based on factors such as your driving record, age and vehicle type.
Summary of the Best Auto Insurance in Vermont
Compare the Best Cheap Auto Insurance in Vermont
| Company | Full coverage monthly average in Vermont | Minimum coverage monthly average in Vermont | New England customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $100 | $26 | Above average |
| GEICO | $119 | $36 | Above average |
| Allstate | $157 | $35 | Above average |
| USAA | $84 | $21 | Above average |
| Amica | Data not available | Data not available | Above average |
| Concord | $130 | $43 | Not rated |
| Vermont | $123 | $34 | – |
Breaking Down the Best Cheap Auto Insurance in Vermont
1. Best Value - State Farm
What We Like Most:
- Lowest nonmilitary rates in Vermont
- High customer satisfaction
- Ways for young drivers to save
Why we chose it
State Farm offers the best blend of low price and solid service from a major auto insurer. After USAA, which is limited to the military community, State Farm has the lowest rates for both full and minimum coverage auto insurance. Its average annual rate of $1,201 is over $200 cheaper than the state average and around half the national average.
State Farm also has a consistently strong service record; it ranked fourth in New England in J.D. Power’s most recent customer satisfaction study and received above-average ratings in J.D. Power’s claims satisfaction study. In addition, the company’s Steer Clear safe-driver program is designed to help young drivers learn better driving habits. Drivers over 25 can participate in State Farm’s Drive Safe & Save program, which awards discounts for safe driving.
Who it’s best for
State Farm is a solid all-around option for most drivers in Vermont, especially safe drivers, budget-conscious customers, and those who want to work with a local agent.
State Farm Vermont Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $100 | $26 |
| Annually | $1,201 | $311 |
| Difference from Vermont average | -19% | -24% |
2. Best for Drivers With Bad Credit - GEICO
What We Like Most:
- Lowest rates for Vermont drivers with low credit scores
- Strong regional ratings
- Mechanical breakdown coverage
Why we chose it
A low credit score will raise your rate by an average of 78 percent in Vermont, to around $219 monthly, although you’ll still pay less than you would with a poor credit score in other states. GEICO has a track record of offering affordable rates to drivers with low credit across the country, and it has the most affordable auto insurance for drivers with less-than-stellar credit scores in Vermont. If your credit score is below 600, it’s worth getting a quote from GEICO.
GEICO also gets strong ratings from customers in the region, placing third in New England for customer satisfaction on J.D. Power’s most recent U.S. Auto Insurance Study. The company also offers mechanical breakdown insurance, a unique add-on that’s not available from many providers. It offers protection for non-accident-related repairs that involve your car’s major systems and is available to new or leased cars that are less than 15 months old and have fewer than 15,000 miles.
Who it’s best for
GEICO is best for Vermont drivers with low credit, customers who are looking for extensive discounts, and seniors.
GEICO Vermont Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $119 | $36 |
| Annually | $1,425 | $434 |
| Difference from Vermont average | -4% | +6% |
3. Best for Add-on Coverages - Allstate
What We Like Most:
- Many coverage options
- High regional customer service score
- Easy online quotes
Why we chose it
Allstate is one of the most recognizable auto insurance brands in the country and one of the largest providers in Vermont. It’s not always the cheapest auto insurer, but it offers a range of coverage options, as well as incentives for drivers who exhibit safe driving habits. Allstate’s add-ons include rideshare coverage, classic-car coverage, gap insurance, Mexico tourist car insurance and more.
The company’s usage-based insurance program, Allstate Drivewise, is designed to encourage and reward safe driving. Allstate will track your driving habits, score you based on how safely you drive, and reward you with discounts for safe driving. Although the company doesn’t currently advertise how much you’ll save with Drivewise, you can ask an Allstate agent for details. In some states, Drivewise may raise your rates for unsafe driving, so be sure to ask an agent about the fine print when you get a quote.
Who it’s best for
Allstate is best for Vermont drivers who need coverage add-ons and for drivers who are looking for minimum coverage.
Allstate Vermont Pricing
| Allstate | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $157 | $35 |
| Annually | $1,881 | $421 |
| Difference from Vermont average | +27% | +3% |
4. Best for Military/Veterans - USAA
What We Like Most:
- Cheapest rates in Vermont
- Highly-rated customer service
- Military-specific offerings
Why we chose it
USAA has the cheapest average rates in Vermont for both full and minimum coverage, as well as for drivers with speeding tickets. It’s only available to military members, veterans, and their spouses and children, so if you’re eligible, it’s worth getting a quote.
The company also scored highly for customer satisfaction in the New England region according to J.D. Power. While its membership requirements technically make it ineligible to rank, its score of 745 out of 1,000 puts it well above the regional average of 625.
Who it’s best for
Military members, veterans, and their families.
USAA Vermont Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $84 | $21 |
| Annually | $1,007 | $256 |
| Difference from Vermont average | -32% | -38% |
5. Best for Homeowners - Amica
Why we chose it
Bundling is a great way to manage multiple insurance policies under the same provider because it allows you to make changes to the policies, track claims and manage your accounts from the same online portal or mobile app. Many insurers also offer savings for bundling policies, and Amica’s generous bundling discount makes it our top auto insurer for homeowners in Vermont. With Amica, you can bundle auto insurance with home, renters, condo, life and/or umbrella policies. Bundling home and auto insurance will get you a discount of up to 30 percent.
Amica ranked first in the J.D. Power Auto Insurance Study for the New England region and the J.D. Power 2025 Home Insurance Study.1 Amica also got very high scores in J.D. Power’s Digital Experience Study, so this insurer is an ideal choice for customers who prioritize an excellent experience when managing their policies online or via a mobile app.2
Who it’s best for
Amica is a good fit for Vermont homeowners or for drivers who want to bundle their auto insurance with property insurance. It’s also a good choice for customers who want to manage their policy online.
6. Best for Families With Teens - Concord
What We Like Most:
- Cheapest rates for teens
- Regional provider
- Free coverage perks for new customers
Why we chose it
Concord boasts the best auto insurance rates for teens in Vermont. Car insurance costs more for teens than for any other age group, so Concord is a great option to start your search for an affordable provider. Its average annual premium for teen drivers is 32 percent lower than the state average. Concord also offers roadside assistance and accident forgiveness, which add protection in an emergency and can be particularly helpful for young drivers.
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 new-car replacement, lost earnings reimbursement for time spent in court due to an accident, full glass coverage with no deductible, and a waived collision deductible.
Did you know?
Nationally, households with teen drivers pay an average of more than $6,000 per year for car insurance, making them the costliest age group to insure. If you’re a teen or a parent of a teen, it pays to compare auto insurance quotes from several providers.
Who it’s best for
Concord is a good fit for teen drivers, parents of teens, and drivers of new cars.
Concord Vermont Pricing
| Concord | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $130 | $43 |
| Annually | $1,554 | $512 |
| Difference from Vermont average | -5% | +25% |
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – New England3 | CRASH Network Insurer Report Card4 | J.D. Power Auto Claims Satisfaction Study5 | NAIC Complaint Index6 |
|---|---|---|---|---|
| State Farm | 634 | C- | 716 | 2.46 |
| GEICO | 639 | C- | 697 | 1.55 |
| Allstate | 641 | D | 693 | 4.56 |
| Amica | 735 | B+ | 718 | 1.48 |
| Concord | Not rated | Not rated | Not rated | 2.48 |
| Average | 625 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
Average Cost of Auto Insurance in Vermont
Full Coverage Rates in Vermont
Vermont is one of the cheapest states for car insurance. On average, full coverage auto insurance in Vermont costs $1,478 per year, which is 37 percent below the national average.
| Annual full coverage average | Monthly full coverage average | |
|---|---|---|
| Vermont | $1,478 | $123 |
| U.S. | $2,356 | $196 |
Minimum Coverage Rates in Vermont
Minimum coverage liability auto insurance in Vermont costs an average of only $410 per year, which is 43 percent cheaper than the national average.
| Annual minimum coverage average | Monthly minimum coverage average | |
|---|---|---|
| Vermont | $410 | $34 |
| U.S. | $722 | $60 |
Auto Insurance Costs by City in Vermont
Car insurance rates across Vermont are well below the national average. While Bennington has some of the highest rates, there is little variation in the average cost of auto insurance within the state, mostly because it lacks dense, urban areas.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Bennington | $1,495 | $125 |
| Rutland | $1,439 | $120 |
| Burlington | $1,408 | $117 |
| Essex Junction | $1,398 | $116 |
| South Burlington | $1,394 | $116 |
How Many Car Accidents Happen in Vermont?
There were 6,999 total car accidents in Vermont in 2025, which represents a slight decrease from 2024.7 There were 45 accidents that resulted in fatalities, 1,654 accidents that caused injuries, and 5,300 crashes that involved only property damage. Over 1,300 crashes involved distracted driving, of which around 300 caused deaths or injuries. Most crashes occurred on weekdays.
Minimum Auto Insurance Requirements in Vermont
Vermont state law mandates the following minimum coverage limits:
- 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 in bodily injury liability; $10,000 in property damage liability
Minimum coverage car insurance allows you to drive legally, but it provides only basic coverage. Minimum coverage auto insurance may not adequately cover you if you get into an accident, so it’s wise to get higher limits or full coverage. Vermont is a relatively affordable state for car insurance, so getting a full coverage policy is cheaper than in many other states.
Frequently Asked Questions
You must meet the following minimum car insurance limits to drive legally in Vermont:
- $25,000 per person and $50,000 per accident in bodily injury liability
- $10,000 in property damage
- $50,000 per person, $100,000 per accident, and $10,000 in property damage in uninsured/underinsured motorist coverage8
State Farm has the cheapest average rates after an accident in Vermont. With State Farm, you can expect to pay around $112 per month, or $1,348 per year, after an accident.
Vermont is an at-fault state, which means that drivers who are at fault in an accident are responsible for paying for damages and injuries to the other party.
Vermont is also a modified comparative negligence state, which means your payment for recovered damages are reduced according to your share of negligence. So, if you’re responsible for 20 percent of the accident, you can recoup 80 percent of your damages. And if you are more than 50 percent at fault, you will not be able to recover any damages from the other party.
Vermont has a lower-than-average uninsured motorist rate. Less than 12 percent of Vermont’s drivers are uninsured, placing Vermont 29th in the country for uninsured motorists.9
Methodology: How We Review Providers
We evaluated car insurance companies in Vermont across these four categories:
- Pricing (40%): We looked at average rates in Vermont for various driver profiles and coverage types. We analyzed the average premiums for full coverage and minimum liability coverage, as well as the average rates for drivers with violations and poor credit. Full coverage averages used 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
- Uninsured motorist property damage: $10,000
- Comprehensive and collision: $500 deductible
- Claims handling (25%): Fair and efficient claims handling is among the most important factors to consider when you’re assessing your car insurance needs. To evaluate companies objectively on their claims handling, we look at third-party evaluations from J.D. Power, CRASH Network, AM Best, Moody’s and others sources that provide insight into insurers’ track records of fulfilling claims.
- Customer experience (25%): As car insurance customers ourselves, we know the importance of positive customer experiences. We use third-party ratings from the National Association of Insurance Commissioners (NAIC), the Better Business Bureau and J.D. Power to rate companies based on how many complaints they receive, as well as customers’ satisfaction when comparing quotes and purchasing a policy in Vermont.
- Coverage options (10%): We value providers that offer additional protection beyond the minimum requirements in Vermont. We prioritize providers that offer add-ons such as gap insurance, roadside assistance, rental reimbursement, rideshare coverage and accident forgiveness.
Read more about our ratings and methodology.
By evaluating these key areas and weighing them according to their importance, we aimed to provide a comprehensive and data-driven analysis of the best auto insurance options for drivers in Vermont.
Citations
2025 U.S. Home Insurance Study. J.D. Power. (2025).
https://www.jdpower.com/business/press-releases/2025-us-home-insurance-study2025 U.S. Insurance Digital Experience Study. J.D. Power. (2025).
https://www.jdpower.com/business/press-releases/2025-us-insurance-digital-experience-studyIt’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyInsurer Report Card – Top Rated U.S. Car Insurance Companies for 2025. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2025).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmAutomobile Crash Facts Dashboard. Power BI Gov. (2025).
https://app.powerbigov.us/viewAuto Insurance Liability in Vermont. Vermont Department of Financial Regulation. (2025).
https://dfr.vermont.gov/consumers/explore-insurance/FFacts + Statistics: Uninsured Motorists. Insurance Information Institute (III). (2025).
https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
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