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Best Auto Insurance in Vermont

Our survey of the best providers in the Green Mountain State.

Best Cheap Auto Insurance in Vermont
State Farm Logo

Full Coverage Averages in Vermont
• Annual Premium: $962
• Monthly Premium: $80

Pros + Cons
Cheapest in Vermont
Fourth-largest provider in the state
X No gap insurance

Read our State Farm review.

Best Auto Insurance for DUIs in Vermont
Progressive Logo

Full Coverage Averages in Vermont
• Annual Premium: $1,120
• Monthly Premium: $93

Pros + Cons
Cheapest for drivers with DUIs
Rideshare coverage
X Below-average customer satisfaction scores

Read our Progressive review.

Best Auto Insurance for Bundling Home and Auto in Vermont
Allstate Logo 2023

Full Coverage Averages in Vermont
• Annual Premium: $1,384
• Monthly Premium: $115

Pros + Cons
Excellent bundling discount
Online quotes
X Not the cheapest

Read our Allstate review.

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Searching for car insurance in Vermont? According to the Vermont Department of Financial Regulation, Vermont is the 11th cheapest provider in the country, with total consumer spending at just above $780 on average.1 These numbers consider the total cost of spending, including liability-only policies as well as full coverage (collision and comprehensive). With more rural areas, lower population density, and low crime rates, it’s not hard to see why Vermonters pay less than most states for car insurance.

Even with low average rates, however, you may have noticed your car insurance premiums increasing in recent years. Since the pandemic, car insurance costs have seen significant hikes across the country, with national average premium increases cited at just over 20 percent—the highest annual increase since 1976.2

If you’re concerned about your insurance prices increasing, you’re not alone. These prices are affecting drivers around Vermont and the country. Our guide is designed to home in on local and national providers that offer the best rates, discounts, coverage options, and benefits to the most relevant driver profiles in Vermont. With our smart shopping strategies and data-driven insights, we’re confident you’ll find the best provider at the best price in Vermont.

State Farm is our pick for the best cheap car insurance in Vermont, Progressive is best for drivers with DUIs, and Allstate is best for bundling home and auto. Local insurer Concord is best for teens, while Union Mutual is best for seniors.

Average Annual Rate in Vermont

Vermont’s average annual rate, $1,183, is nearly half the national average, making it one of the cheapest states for car insurance.

Regional Average Monthly average premium for full coverage Annual average premium for full coverage
Vermont $98 $1,183
The U.S. $160 $1,924

Average Premiums in Vermont by City

Vermont’s largest city by population, Burlington ($1,212), is slightly more expensive than the national average. Rutland ($1,092) offers the cheapest average rates, while Essex is home to the most expensive insurance costs among the state’s seven largest cities.

City Monthly average premium Annual average premium
Rutland $91 $1,092
South Burlington $94 $1,128
Brattleboro $99 $1,188
Burlington $101 $1,212
Bennington $101 $1,212
Colchester $103 $1,236
Essex $104 $1,248

Blue CarBest Auto Insurance Companies in Vermont

  1. State Farm – Best Cheap Auto Insurance in Vermont
    State Farm’s $962 average for full coverage is the cheapest in the state. With a long history, a strong presence of local agents, and solid service scores, State Farm is our top pick for drivers on a budget.
  2. Progressive – Best Auto Insurance for DUIs in Vermont
    A DUI is one of the costliest high-risk driver designations. If you have a DUI on your record, Progressive is a good option for affordable car insurance rates in Vermont.
  3. Allstate – Best for Bundling Home & Auto in Vermont
    For homeowners in Vermont, Allstate has one of the best bundling discounts available for buying a homeowners policy along with auto insurance.

Comparison of the Best Auto Insurance Companies in Vermont 2024

Company Average annual rate in Vermont J.D. Power New England Customer Satisfaction Index Ranking (average 637 out of 1,000)3 Best for Agents in Vermont
State Farm $962 664 Drivers on a Budget 25+
Progressive $1,120 620 Drivers with a DUI 100+
Allstate $1,384 646 People who want to bundle auto and home 10+
Concord $1,011 N/A Teens and parents of teens 50+
Union Mutual $1,087 N/A Older Americans 100+

Summary of the Best Auto Insurance in Vermont

  1. 1.

    Best Cheap Auto Insurance in Vermont: State Farm

  2. 2.

    Best Auto Insurance for Drivers With a DUI in Vermont: Progressive

  3. 3.

    Best Auto Insurance for Homeowners in Vermont: Allstate

  4. 4.

    Best Auto Insurance for Teens in Vermont: Concord

  5. 5.

    Best Auto Insurance for Seniors in Vermont: Union Mutual

Detailed List of the Best Auto Insurance in Vermont

1. Best Cheap Auto Insurance in Vermont - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

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.

ProsWho It's Best For
  • pro
    Safe drivers
  • pro
    Drivers on a budget
  • pro
    New drivers
  • pro
    Parents of teens
ConsWho It's Not Best For
  • con
    Drivers who want gap insurance
  • con
    Drivers who want accident forgiveness

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.

Company Monthly average premium in VT Annual average premium in VT
State Farm $80 $962
Concord $84 $1,011
Union Mutual $91 $1,087
Progressive $93 $1,120
Nationwide $100 $1,198
GEICO $106 $1,273
Allstate $115 $1,384

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.

Source State Farm rating
J.D. Power Customer Satisfaction (New England)4 664 out of 1,000 (highest on our list)
J.D. Power Claims Satisfaction Study 891 out of 1,000 – No. 5 overall
CRASH Network Insurer Report Card5 C- — No. 73 out 88

LEARN MORE:

CRASH surveys collision repair shops to determine how easy a provider is to work with. State Farm scored a B+ on average when customers worked with the company’s in-network repair shops, compared to a D+ average when customers went to out-of-network repair shops.

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.

2. Best Auto Insurance for Drivers With a DUI in Vermont - Progressive

What We Like Most:

  • Cheaper rates for drivers with a DUI
  • Several ways to save if your premium increases
  • Accident forgiveness automatically applies to policy in most states

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.

ProsWho It's Best For
  • pro
    Drivers with a DUI
  • pro
    Students
  • pro
    Someone with bad credit
  • pro
    Rideshare drivers
ConsWho It's Not Best For
  • con
    People who want gap insurance

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.

Company Monthly average premium after a DUI in Vermont Annual average premium after a DUI in Vermont
Progressive $121 $1,452
State Farm $124 $1,488
Concord $178 $2,136
Nationwide $211 $2,532
Allstate $236 $2,832
GEICO $282 $3,384
Union Mutual $304 $3,648

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.

3. Best Auto Insurance for Homeowners in Vermont - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

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.

ProsWho It's Best For
  • pro
    Homeowners
  • pro
    Safe drivers
  • pro
    People who want to manage their policy online
ConsWho It's Not Best For
  • con
    People who want the cheapest option

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.

Mobile app Star rating on iPhone (out of 5) Star rating on Android (out of 5)
Drivewise 4.2 stars 3.9 stars
Allstate app 4.8 stars 3.9 stars

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.

4. Best Auto Insurance for Teens in Vermont - Concord
Concord Logo

What We Like Most:

  • Covers steering, suspension, towing, transmission, etc.
  • Roadside assistance available 24/7
  • Can take your car to any licensed repair shop or dealer

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.

ProsWho It's Best For
  • pro
    Teens and parents of teens
  • pro
    Drivers on a budget
  • pro
    Drivers with new cars
  • pro
    Drivers who want gap insurance
ConsWho It's Not Best For
  • con
    Rideshare drivers

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.

Company Monthly average premium for teens in VT Annual average premium for teens in VT
Concord $163 $1,956
State Farm $167 $2,004
Progressive $198 $2,376
Allstate $263 $3,156
Union Mutual $270 $3,240
GEICO $286 $3,432
Nationwide $341 $4,092

DID YOU KNOW?

Drivers between the ages of 18 and 22 pay around $3,000 on average for car insurance, making them the costliest age group to insure. If you’re a teen or parent of a teen, it pays to compare quotes among several providers.

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.
5. Best Auto Insurance for Seniors in Vermont - Union Mutual
Union Mutual Logo

What We Like Most:

  • Cheapest for older Americans
  • Cover several types of vehicles
  • Great incentives for bundlers

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.

Fun Fact:

Seniors make up more than 20 percent of Vermont’s population, making it the fourth-highest state for seniors per capita. If you’re an older American in Vermont, we recommend starting with Union Mutual or the AARP (The Hartford) for a quote.7

ProsWho It's Best For
  • pro
    Older Americans
  • pro
    Homeowners
  • pro
    Drivers with trailers and motorhomes
  • pro
    Drivers with company cars
ConsWho It's Not Best For
  • con
    Drivers with a bad record
  • con
    Drivers with bad credit

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.

Company Monthly average premium for seniors in VT Annual average premium for seniors in VT
Union Mutual $70 $841
Nationwide $75 $896
State Farm $77 $928
Progressive $81 $970
GEICO $84 $1,013
Vermont Mutual $900 $1,082
Allstate $103 $1,231

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.

Discount Description
Pay-in-full discount You can pay less for insurance when you pay in full at the start of your policy period.
Multi-car discount Insure more than one vehicle on your policy, and Union Mutual will lower your premium.
Company car discount If you already insure a personal vehicle with Union Mutual, you can get a discount for having full time access to a non-owned company vehicle
Home bundling discount Buy a homeowners or renters policy along with auto, and you could earn a discount.
Customer loyalty discount You’ll earn a discount at each renewal period with Union Mutual.
Advanced shopper discount Union Mutual will apply this discount when you ask for a quote at least seven days before the start of your plan’s effective date.
Safety feature credit You could earn insurance credits for installing anti-theft, anti-lock braking, and passive restraint equipment.

Frequently Asked Questions

How much car insurance do I need to drive legally in Vermont?

You need the following minimum car insurance limits to drive legally in Vermont:

  • $25,000/person and $50,000/accident in bodily injury liability
  • $10,000 in property damage
  • $50,000/person and $100,000/accident in uninsured/underinsured motorist coverage8

Which provider offers the cheapest insurance after an accident in Vermont?

State Farm offers the cheapest average rates after an accident in Vermont. You can expect to pay around $160 a month or $1,920 a year after an accident with State Farm.

What is the fault law in Vermont?

Vermont is an at-fault state, which means that drivers responsible for an accident will also be responsible for paying for damages and injuries to the other party.

As a modified comparative negligence state, your payment for recovered damages will be 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 damages from the other party at all.

Does Vermont have a high uninsured motorist rate?

Vermont does not have a high uninsured motorist rate. Less than nine percent of Vermont’s drivers are uninsured, placing Vermont as 15th in the country for the lowest uninsured motorist rates.

Methodology

We evaluated car insurance companies in Vermont across four key categories—pricing, claims handling, customer experience, and coverage options. Here’s how we assessed companies using those four categories:

  • Pricing (40%): We looked at average rates in Vermont for various driver types and coverages. We looked at average costs for full coverage and minimum liability, as well as driver type by age, driving record, bundling opportunities, driving habits, and vehicle type, among others.
  • Claims Handling (25%): Fair and efficient claims handling is among the most important factors to consider when assessing your car insurance needs. To evaluate companies objectively on their claims handling efficacy, we look at third-party evaluations like J.D. Power, CRASH, AM Best, and Moody’s, which all provide insight into insurers’ track records when fulfilling claims.
  • Customer Experience (25%): As car insurance customers ourselves, we know just how important positive customer experiences are. We use third-party ratings from the National Insurance Commissioners (NAIC), Better Business Bureau (BBB), and J.D. power to rate companies based on how many complaints they receive, customer satisfaction when comparing quotes, and customer satisfaction when 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 additional protection, such as gap insurance, roadside assistance, rental reimbursement, rideshare coverage, accident forgiveness, and other offerings.

Our methodology is designed to find the most relevant insurance needs and insurance to drivers, allowing us to create a thorough and data-driven analysis of the best auto insurance companies in Vermont.

Citations

  1. Financial Responsibility and Insurance. Vermont Legislature. (2024).
    https://legislature.vermont.gov/Documents/2024/WorkGroups/House%20Commerce/Bills/S.150/Witness%20Documents/S.150~Kevin%20Gaffney~Financial%20Responsibility%20and%20Insurance~4-16-2024.pdf

  2. What’s behind the rapid increase in car insurance rates. CNN. (2024, Mar 13).
    https://edition.cnn.com/2024/03/13/business/car-insurance-rates-are-surging/index.html

  3. Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 11).
    https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study

  4. Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds. J.D. Power. (2023, Oct 26).
    https://www.jdpower.com/business/press-releases/2023-us-auto-claims-satisfaction-study

  5. Top Rated U.S. Car Insurance Companies for 2024. Crash Network. (2024).
    https://www.crashnetwork.com/irc/

  6. Auto Insurer Websites and Apps Become Primary Driver of New Customers, Putting Pressure on Digital Experience, J.D. Power Finds. J.D. Power. (2024, May 21).
    https://www.jdpower.com/business/press-releases/2024-us-insurance-digital-experience-study

  7. Which U.S. States Have the Oldest Populations? PRB.org. (2021, Dec 22).
    https://www.prb.org/resources/which-us-states-are-the-oldest/

  8. Auto Insurance. State of Vermont Department of Financial Regulation. (2024).
    https://dfr.vermont.gov/consumers/explore-insurance/auto