In a Nutshell
Are you looking for the cheapest car insurance in Vermont? We’ve crunched the numbers to find the average cost of car insurance in the state, plus which insurers offer the cheapest minimum-coverage options. The cost of car insurance varies based on individual circumstances like age, driving history, vehicle and credit, so we’ve calculated insurance costs for several different driver profiles.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
With just about equal miles of paved and unpaved roads, it’s easy to get into the adventurer’s spirit in Vermont. But is your ride protected?
We compared estimated insurance rates from companies around the state to calculate the average cost and identify which insurers offer the cheapest estimated basic-coverage rates for a number of different Vermont driver profiles. In order to evenly compare and get a baseline view of insurers’ rates, we used a relatively neutral driver profile — with no accidents, tickets or claims, for example — to make our calculations (see our full methodology).
Your rates may be higher or lower depending on the factors that affect car insurance, like your driving history, age, vehicle type, mileage and coverage. Read on to learn about Vermont’s average car insurance rates and our findings for the cheapest options for minimum coverage.
- Cost of car insurance in Vermont
- 5 cheapest car insurance companies in Vermont
- Cheapest state-minimum car insurance in Vermont
- Cheapest car insurance for good credit in Vermont
- Cheapest car insurance for poor credit in Vermont
- Cheapest car insurance for drivers with multiple claims in Vermont
- Cheapest car insurance for young drivers in Vermont
- Vermont auto insurance requirements
- Is usage-based insurance available in Vermont?
- FAQs about the cheapest car insurance rates in Vermont
- Methodology
Cost of car insurance in Vermont
Average monthly premiums for car insurance in Vermont range from just over $30 up to around $55, depending on type of coverage and driver profile.
Average monthly auto insurance premiums in Vermont
| Driver or coverage | Avg. monthly cost |
|---|---|
| State-minimum car insurance in Vermont | $30.74 |
| Drivers with poor credit in Vermont | $54.11 |
| Drivers with multiple claims in Vermont | $55.90 |
| Young drivers in Vermont | $53.38 |
5 cheapest car insurance companies in Vermont
The five insurance companies listed here offer what we found to be the cheapest estimated options for basic coverage for our Vermont driver. Note that these rates are calculated based on a specific driver profile, as detailed in our methodology, so your rates could be different. Unless otherwise noted, our Vermont driver drives a car valued at $20,000 to $30,000, has no tickets or coverage gaps, has a credit score between 680 and 719 and is between 36 and 45 years old.
1. Union Mutual Fire Group
Established in 1784, Union Mutual is headquartered in the Green Mountains of Vermont and could offer our Vermont driver profile a car insurance policy for as low as $17.88 per month for minimum coverage. Union Mutual offers liability coverage, medical payments, uninsured/underinsured motorist coverage, collision, comprehensive, towing and labor and rental reimbursement insurance. It also offers a long list of potential discounts and credits.
2. Geico
Geico could offer our Vermont driver profile a basic-coverage policy for around $19.36 per month. This national insurer provides a wide range of standard and bonus coverage options and features several available discounts for safe driving, customer loyalty and specific car safety equipment. Plus, its robust mobile app allows drivers to manage their policies, request roadside assistance, get a quote for damage and more.
Check out reviews of Geico auto insurance.3. USAA
With USAA, our Vermont driver profile could find car insurance for about $19.47 per month for minimum coverage. To qualify for USAA car insurance, you must first be a USAA member, which is open to military members and their spouses, as well as children of USAA members. Coverage options include collision, comprehensive, liability and uninsured/underinsured motorist insurance. Members may be eligible for discounts for safe driving, low mileage, storing your car, setting up automatic payments and more.
Read reviews of USAA auto insurance.4. Patriot Group
Our Vermont driver profile could find basic-coverage car insurance for as little as $20 per month with Patriot Group. Patriot sells insurance through independent agents and offers coverage for vehicle damage, property damage, medical expenses, funeral expenses, accidental injury or death, and defense and court costs for covered claims. Patriot also offers classic car coverage, towing coverage and coverage when you use your company car on a personal basis.
5. Vermont Mutual
Finally, our Vermont driver profile could find car insurance for as low as $21.17 per month for minimum coverage with Vermont Mutual. Vermont Mutual also sells car insurance via independent agents and offers discounts for bundling home and auto policies, multiple vehicles and having certain safety equipment.
Cheapest state-minimum car insurance in Vermont
Most states set a minimum amount of coverage that drivers must carry on their vehicles. Vermont requires 25/50/10 insurance to legally be on the road.
These companies offer the lowest rates for drivers looking for state-minimum coverage only.
5 cheapest car insurance companies in Vermont for state-minimum coverage
| 1 | Union Mutual Fire Group | $17.88/month |
| 2 | Geico | $19.36/month |
| 3 | USAA | $19.47/month |
| 4 | Patriot Group | $20.00/month |
| 5 | Vermont Mutual | $21.17/month |
Cheapest car insurance for good credit in Vermont
Generally, drivers with good credit pay less for their car insurance than those with poor credit. You could save money on your premium if you have higher credit scores.
The following companies have the lowest estimated minimum-coverage rates for drivers considered to have good credit.
5 cheapest car insurance companies in Vermont for those with good credit
| 1 | Union Mutual Fire Group | $16.50/month |
| 2 | USAA | $16.97/month |
| 3 | Vermont Mutual | $17.53/month |
| 4 | Patriot Group | $17.56/month |
| 5 | Geico | $18.34/month |
Cheapest car insurance for poor credit in Vermont
On the flip side, drivers who don’t have great credit may end up paying more for their car insurance.
If your credit scores are lower, you may find the cheapest car insurance options for basic coverage from these five companies.
5 cheapest car insurance companies in Vermont for those with poor credit
| 1 | Geico | $26.33/month |
| 2 | Union Mutual Fire Group | $32.65/month |
| 3 | Patriot Group | $33.58/month |
| 4 | USAA | $38.49/month |
| 5 | Vermont Mutual | $42.75/month |
Cheapest car insurance for drivers with multiple claims in Vermont
Drivers with a history of multiple claims may also have higher car insurance premiums than drivers with cleaner claims histories.
The following companies have the lowest estimated minimum-coverage rates for drivers with multiple insurance claims.
5 cheapest car insurance companies in Vermont for multiple claims
| 1 | Vermont Mutual | $21.17/month |
| 2 | Union Mutual Fire Group | $22.17/month |
| 3 | Co-Operative Insurance Companies | $30.50/month |
| 4 | Patriot Group | $32.33/month |
| 5 | Geico | $37.43/month |
Cheapest car insurance for young drivers in Vermont
Younger drivers may also end up paying more for car insurance than older drivers. Luckily, once they hit about age 25, as long as they have a clean driving record, they should see their rates go lower.
The following companies have the lowest estimated basic-coverage rates for young drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Vermont for young drivers
| 1 | Geico | $29.67/month |
| 2 | Union Mutual Fire Group | $36.75/month |
| 3 | USAA | $37.57/month |
| 4 | National Grange Mutual | $39.67/month |
| 5 | State Farm | $40.08/month |
Vermont auto insurance requirements
Vermont requires drivers to carry a policy that covers at least $25,000 per person and $50,000 per accident of bodily injury, and $10,000 for property damage. If you have a car loan or lease, your coverage responsibilities may be more extensive.
Is usage-based insurance available in Vermont?
Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. In Vermont, drivers may lower the cost of their car insurance by participating in their insurers’ UBI, or telematics, programs.
FAQs about the cheapest car insurance rates in Vermont
In Vermont, drivers must carry at least $25,000 per person and $50,000 per accident of bodily injury coverage, plus $10,000 of property damage insurance. This is sometimes referred to as 25/50/10 insurance.
Like most states, Vermont requires drivers to carry both bodily injury liability and property damage insurance.
Based on our neutral driver profile, Vermont has the fourth-lowest average monthly car insurance premium in the country. Only South Dakota, Iowa and Wyoming are less expensive.
Methodology
This article’s estimated rates are the lowest for basic coverage based on the profile of a driver aged 36 to 45 living in Vermont. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those ages 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as age, vehicle driving habits and history.
The average monthly premium for full-coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a Vermont-mandated 25/50/10 insurance policy.