Compare Cheap Auto Insurance in Vermont

On average, USAA offers the cheapest car insurance in Vermont at $1,007 per year. This is 31 percent lower than the statewide average of $1,478, though USAA is only available to military, veteran, and their families. If you’re non-military, State Farm is cheapest at $1,201 annually, which is about $270 less than the Vermont average.

USAA also offers the cheapest minimum coverage in Vermont at $256 annually, which is nearly $150 under the statewide average of $410. If you’re not eligible for USAA, which is military-only, State Farm is again the cheapest. Its minimum coverage policies are $311 on average in Vermont, which is still a bargain compared to the statewide average.

Concord Group has the cheapest car insurance for households with teen drivers in Vermont. Its average premium for teens is $2,950, which is significantly under the state average of $4,366. Other insurers with lower-than-average premiums include USAA (military-only) at $3,371 annually and Vermont Mutual at $3,493 annually.

USAA has the cheapest coverage for military-affiliated Vermont drivers with a speeding ticket. Its average rate is $1,150 per year, which is several hundred dollars lower than the state average. If you’re non-military, State Farm is once again the cheapest option with affordable premiums that average $1,235 per year.

State Farm offers the most affordable coverage for Vermont drivers with an at-fault accident, at $1,348 per year—far lower than the statewide average of $2,019 annually. USAA has a similar rate to State Farm at $1,356, and may be a better option for military-affiliated drivers who can take advantage of USAA’s military-centric policies and perks.

Vermont drivers with a DUI on their record may find the best rates from Progressive at $1,509 annually—far lower than the state average of $3,069 annually. Progressive is known for offering good rates for drivers with a DUI and is one of our picks for best high-risk auto insurance.

Low credit often affects how insurance premiums are tabulated. GEICO has the cheapest rates for Vermont drivers with low credit scores, with average premiums of $1,866 annually—over $750 cheaper than the statewide average and nearly $2,300 less than the national average.

Allstate, GEICO, and State Farm all offer customer service ranked above the Vermont average. However, Allstate tends to have high rates, making GEICO and State Farm better choices for both service and affordability. Your rates may differ from the averages, so try to get multiple quotes before deciding on an insurer. While USAA has the best customer service of all insurers listed, it’s only available to the military community.

1. Drive safely: Insurance in Vermont is generally cheap, but you can keep it cheap by maintaining a clean driving record, which ensures your premiums will stay low.
2. Get several quotes: It’s smart to shop around, as different insurers will offer a wide variety of prices. By getting multiple quotes, you can pick a policy that’s most affordable for you and avoid overpaying.
3. Enroll in a telematics program: These programs are offered by most major insurers and can save you a lot—sometimes over 35 or 40 percent off. When you sign up, your insurer will monitor your driving by app or plug-in device and give a discount if you drive safely. Be aware some insurers will raise rates if they detect any risky driving.
4. Check for discounts: Most insurers offer discount programs. If you’re a young driver, you can often lower your premium by getting good grades. Adults can get discounts by taking defensive driving courses and bundling their car insurance with other insurance types, like home insurance. Discounts will vary, so check to see what’s available.

Since Vermont is such a small state, rates don’t vary significantly from city to city. However, there is still some variation: for instance, South Burlington has average rates of $1,394 annually, while Bennington is slightly more expensive at $1,495 annually on average.

Vermont law requires that all drivers carry the minimum coverage. This includes the following:

• 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

These are just the minimum limits, which may not be enough to cover you in even a moderate accident. Consider raising your limits, which may save you a lot of money on repair costs or medical bills if an accident happens.

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: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible