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Best Cheap Car Insurance in Vermont (2025)
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Content was accurate at the time of publication.
Cheapest car insurance companies in Vermont
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Find the Cheapest Car Insurance Quotes in Vermont
Cheapest full-coverage insurance in Vermont: State Farm
State Farm has the cheapest full-coverage car insurance quotes in Vermont at $714 a year. The next-cheapest quotes come from Vermont Mutual at $1,121 a year.
Full-coverage car insurance costs the average driver in Vermont $1,283 a year. State Farm’s rate is 44% cheaper than that state average.
To get the cheapest full-coverage policy Full-coverage car insurance usually includes both collision and comprehensive coverages, which protect your vehicle from damage and theft. in Vermont, compare car insurance quotes from several companies.
Cheap full-coverage insurance quotes in VT
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $714 |  |
 | Vermont Mutual | $1,121 | Not rated |
 | Progressive | $1,204 |  |
 | Concord Group | $1,402 | |
 | Geico | $1,557 |  |
 | Co-Op | $1,749 | Not rated |
 | Allstate | $1,780 |  |
 | USAA* | $739 | |
Vermont’s cheapest liability-only car insurance: State Farm
For cheap liability car insurance in Vermont, get a quote from State Farm, where rates average $251 a year. This is 41% lower than the state average of $428 a year.
USAA’s rate for liability insurance Liability car insurance covers injuries and damage you cause to others. It’s required by law in most states. is even cheaper at $211 a year. However, only members of the military and their families can buy insurance from USAA.
Cheap companies for liability insurance in VT
| Company | Annual rate |
|---|---|
| State Farm | $251 |
| Vermont Mutual | $398 |
| Progressive | $426 |
| Co-Op | $446 |
| Allstate | $522 |
| Concord | $556 |
| Geico | $616 |
| USAA* | $211 |
Find the Cheapest Car Insurance Quotes in Vermont
Best cheap insurance for young drivers in Vermont: State Farm
Young drivers in Vermont get the cheapest auto insurance from State Farm. State Farm charges the state’s young drivers $789 a year for liability coverage and $2,196 a year for full coverage.
The Concord Group is next for full-coverage car insurance for teens in Vermont at $2,668 a year. Vermont Mutual comes in second for teen liability coverage at $1,011 a year.
Cheapest car insurance rates for young drivers
| Company | Liability coverage | Full coverage |
|---|---|---|
| State Farm | $789 | $2,196 |
| Vermont Mutual | $1,011 | $2,960 |
| Allstate | $1,060 | $4,507 |
| Concord Group | $1,138 | $2,668 |
| Progressive | $1,241 | $3,599 |
| Co-Op | $1,324 | $5,527 |
| Geico | $2,253 | $5,829 |
| USAA* | $520 | $1,747 |
Teen car insurance is expensive, but discounts can make it a lot cheaper. Many companies offer these or similar car insurance discounts to young drivers:
- Good student discount: Usually given to young students who maintain at least a certain grade-point average.
- Driver’s education or defensive driver discount: Take an approved course to get this discount.
- Student away at school discount: For students who go to school more than 100 miles from home and don’t take a vehicle with them.
Cheap car insurance in Vermont after a speeding ticket: State Farm
State Farm is the cheapest auto insurance company for Vermont drivers with a ticket at $758 a year.
A speeding ticket causes your car insurance to go up by around 18% in Vermont. State Farm only raises its rates by 6%, on average.
Best car insurance quotes after a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $758 |
| Vermont Mutual | $1,404 |
| Progressive | $1,565 |
| Co-Op | $1,749 |
| Concord | $1,807 |
| Geico | $2,011 |
| Allstate | $2,011 |
| USAA* | $845 |
Vermont’s best auto insurance after an accident: State Farm
With an average rate of $820 a year, State Farm has Vermont’s cheapest auto insurance after an accident. This is 57% less than what the average VT driver pays ($1,897 a year) after an accident.
Cheapest car insurance with an accident
| Company | Annual rate |
|---|---|
| State Farm | $820 |
| Vermont Mutual | $1,404 |
| Progressive | $1,828 |
| Concord | $2,126 |
| Allstate | $2,489 |
| Co-Op | $2,539 |
| Geico | $2,942 |
| USAA* | $1,026 |
Cheapest insurance for Vermont teens with a bad driving record: State Farm
State Farm is the cheapest auto insurance company for teens with a bad driving record in Vermont.
Vermont teens pay $846 a year for liability-only car insurance from State Farm after getting a speeding ticket. After an accident, these same teens pay $927 a year with State Farm.
Best auto insurance for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $846 | $927 |
| Vermont Mutual | $1,105 | $1,105 |
| Allstate | $1,183 | $1,615 |
| Co-Op | $1,324 | $1,572 |
| Progressive | $1,348 | $1,461 |
| Concord | $1,464 | $1,695 |
| Geico | $2,628 | $2,761 |
| USAA* | $746 | $969 |
If your car insurance goes up after a ticket or accident in Vermont, shop around and compare quotes from several companies. You may find another company will offer you a cheaper rate despite your record.
Find the Cheapest Car Insurance Quotes in Vermont
Cheap car insurance companies after a DUI in Vermont: Progressive
To get cheap DUI insurance in Vermont, go to Progressive, where a full-coverage policy costs about $1,375 a year. State Farm is the state’s second-cheapest car insurance company after a DUI at $1,506 a year.
The average Vermont driver’s car insurance more than doubles after a DUI (driving under the influence) conviction.
Cheapest auto insurance quotes with a DUI
| Company | Annual rate |
|---|---|
| Progressive | $1,375 |
| State Farm | $1,506 |
| Concord | $2,367 |
| Allstate | $2,399 |
| Vermont Mutual | $3,431 |
| Co-Op | $4,273 |
| Geico | $4,845 |
| USAA* | $1,494 |
Vermont’s best cheap car insurance for bad credit: Progressive
Progressive has the cheapest car insurance for Vermont drivers with bad credit at $2,112 a year. Geico’s average rate for drivers with bad credit isn’t much higher, though, at $2,226 a year.
Both Geico and Progressive offer a number of discounts that could help you get cheap car insurance with poor credit. To see which one will give you the better rate, get quotes from both companies before you renew or buy a policy.
Cheap car insurance companies with poor credit
| Company | Annual rate |
|---|---|
| Progressive | $2,112 |
| Geico | $2,226 |
| Allstate | $2,471 |
| Concord | $2,494 |
| State Farm | $2,547 |
| Vermont Mutual | $2,664 |
| Co-Op | $3,542 |
| USAA* | $1,437 |
Best car insurance companies in Vermont
State Farm is Vermont’s best car insurance company, thanks to its cheap rates for most drivers and its reputation for customer service and satisfaction.
State Farm also:
- Earned the best financial strength rating possible (A++) from AM Best
- Offers many discounts that can help you save money
- Has an app and website that let you get a quote, pay your bill and file a claim
Vermont car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Co-Op | Not rated | Not rated | Not rated |
| Concord | Not rated | A+ | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
| Vermont Mutual | Not rated | A+ | Not rated |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Vermont insurance rates by city
South Burlington is Vermont’s cheapest city or town for car insurance, with an average rate of $1,171 a year. Drivers in Taftsville pay the state’s highest average car insurance rates of $1,282 a year.
Burlington drivers pay $1,188 a year for car insurance, on average. In Colchester, the average cost of car insurance is $1,201 a year.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Adamant | $1,243 | 1% |
| Albany | $1,250 | 1% |
| Alburgh | $1,215 | -2% |
| Arlington | $1,238 | 0% |
| Ascutney | $1,242 | 0% |
| Averill | $1,249 | 1% |
| Bakersfield | $1,225 | -1% |
| Barnet | $1,249 | 1% |
| Barre | $1,182 | -4% |
| Barton | $1,254 | 1% |
| Beebe Plain | $1,249 | 1% |
| Beecher Falls | $1,245 | 1% |
| Bellows Falls | $1,220 | -1% |
| Belmont | $1,257 | 2% |
| Belvidere Center | $1,255 | 1% |
| Bennington | $1,241 | 0% |
| Benson | $1,223 | -1% |
| Bethel | $1,251 | 1% |
| Bomoseen | $1,248 | 1% |
| Bondville | $1,251 | 1% |
| Bradford | $1,244 | 1% |
| Brandon | $1,230 | -1% |
| Brattleboro | $1,216 | -2% |
| Bridgewater | $1,258 | 2% |
| Bridgewater Corners | $1,243 | 0% |
| Bridport | $1,206 | -2% |
| Bristol | $1,237 | 0% |
| Brookfield | $1,243 | 0% |
| Brownsville | $1,208 | -2% |
| Burlington | $1,188 | -4% |
| Cabot | $1,251 | 1% |
| Calais | $1,252 | 1% |
| Cambridge | $1,244 | 1% |
| Cambridgeport | $1,219 | -1% |
| Canaan | $1,264 | 2% |
| Castleton | $1,232 | 0% |
| Cavendish | $1,238 | 0% |
| Center Rutland | $1,230 | -1% |
| Charlotte | $1,236 | 0% |
| Chelsea | $1,210 | -2% |
| Chester | $1,209 | -2% |
| Chittenden | $1,243 | 0% |
| Colchester | $1,201 | -3% |
| Concord | $1,244 | 1% |
| Corinth | $1,238 | 0% |
| Craftsbury | $1,241 | 0% |
| Craftsbury Common | $1,247 | 1% |
| Cuttingsville | $1,264 | 2% |
| Danby | $1,249 | 1% |
| Danville | $1,233 | 0% |
| Derby | $1,247 | 1% |
| Derby Line | $1,249 | 1% |
| Dorset | $1,236 | 0% |
| East Arlington | $1,238 | 0% |
| East Barre | $1,203 | -3% |
| East Berkshire | $1,229 | -1% |
| East Burke | $1,250 | 1% |
| East Calais | $1,250 | 1% |
| East Charleston | $1,250 | 1% |
| East Corinth | $1,239 | 0% |
| East Dorset | $1,246 | 1% |
| East Dover | $1,221 | -1% |
| East Fairfield | $1,221 | -1% |
| East Hardwick | $1,243 | 1% |
| East Haven | $1,247 | 1% |
| East Middlebury | $1,211 | -2% |
| East Montpelier | $1,183 | -4% |
| East Poultney | $1,251 | 1% |
| East Randolph | $1,270 | 3% |
| East Ryegate | $1,244 | 1% |
| East St.Johnsbury | $1,240 | 0% |
| East Thetford | $1,230 | -1% |
| East Wallingford | $1,251 | 1% |
| Eden | $1,255 | 1% |
| Eden Mills | $1,257 | 2% |
| Enosburg Falls | $1,228 | -1% |
| Essex Junction | $1,195 | -3% |
| Fair Haven | $1,224 | -1% |
| Fairfax | $1,215 | -2% |
| Fairfield | $1,219 | -1% |
| Fairlee | $1,263 | 2% |
| Ferrisburgh | $1,236 | 0% |
| Florence | $1,236 | 0% |
| Forest Dale | $1,237 | 0% |
| Franklin | $1,222 | -1% |
| Gaysville | $1,259 | 2% |
| Gilman | $1,243 | 0% |
| Glover | $1,251 | 1% |
| Grafton | $1,221 | -1% |
| Grand Isle | $1,207 | -2% |
| Graniteville | $1,213 | -2% |
| Granville | $1,246 | 1% |
| Greensboro | $1,244 | 1% |
| Greensboro Bend | $1,254 | 1% |
| Groton | $1,251 | 1% |
| Guildhall | $1,249 | 1% |
| Hancock | $1,219 | -1% |
| Hardwick | $1,247 | 1% |
| Hartland | $1,223 | -1% |
| Hartland Four Corners | $1,229 | -1% |
| Highgate Center | $1,216 | -2% |
| Highgate Springs | $1,218 | -1% |
| Hinesburg | $1,238 | 0% |
| Huntington | $1,213 | -2% |
| Hyde Park | $1,255 | 1% |
| Hydeville | $1,233 | 0% |
| Irasburg | $1,251 | 1% |
| Island Pond | $1,248 | 1% |
| Isle La Motte | $1,217 | -2% |
| Jacksonville | $1,229 | -1% |
| Jamaica | $1,243 | 1% |
| Jeffersonville | $1,266 | 2% |
| Jericho | $1,208 | -2% |
| Johnson | $1,258 | 2% |
| Jonesville | $1,238 | 0% |
| Killington | $1,264 | 2% |
| Lake Elmore | $1,254 | 1% |
| Londonderry | $1,244 | 1% |
| Lowell | $1,254 | 1% |
| Lower Waterford | $1,241 | 0% |
| Ludlow | $1,237 | 0% |
| Lunenburg | $1,246 | 1% |
| Lyndon Center | $1,249 | 1% |
| Lyndonville | $1,247 | 1% |
| Manchester | $1,249 | 1% |
| Manchester Center | $1,249 | 1% |
| Marshfield | $1,254 | 1% |
| Mc Indoe Falls | $1,251 | 1% |
| Middlebury | $1,212 | -2% |
| Middletown Springs | $1,249 | 1% |
| Milton | $1,212 | -2% |
| Montgomery Center | $1,228 | -1% |
| Montpelier | $1,184 | -4% |
| Moretown | $1,259 | 2% |
| Morgan | $1,252 | 1% |
| Morrisville | $1,249 | 1% |
| Moscow | $1,257 | 2% |
| Mount Holly | $1,252 | 1% |
| New Haven | $1,209 | -2% |
| Newbury | $1,245 | 1% |
| Newfane | $1,219 | -1% |
| Newport | $1,244 | 1% |
| Newport Center | $1,248 | 1% |
| North Bennington | $1,236 | 0% |
| North Clarendon | $1,240 | 0% |
| North Concord | $1,245 | 1% |
| North Ferrisburgh | $1,217 | -2% |
| North Hartland | $1,228 | -1% |
| North Hero | $1,213 | -2% |
| North Hyde Park | $1,252 | 1% |
| North Montpelier | $1,233 | 0% |
| North Pomfret | $1,252 | 1% |
| North Pownal | $1,235 | 0% |
| North Springfield | $1,207 | -2% |
| North Thetford | $1,239 | 0% |
| North Troy | $1,262 | 2% |
| Northfield | $1,258 | 2% |
| Northfield Falls | $1,251 | 1% |
| Norton | $1,246 | 1% |
| Norwich | $1,222 | -1% |
| Orleans | $1,254 | 1% |
| Orwell | $1,205 | -3% |
| Passumpsic | $1,242 | 0% |
| Pawlet | $1,247 | 1% |
| Peacham | $1,246 | 1% |
| Perkinsville | $1,207 | -2% |
| Peru | $1,250 | 1% |
| Pittsfield | $1,239 | 0% |
| Pittsford | $1,241 | 0% |
| Plainfield | $1,256 | 2% |
| Plymouth | $1,244 | 1% |
| Post Mills | $1,268 | 2% |
| Poultney | $1,246 | 1% |
| Pownal | $1,238 | 0% |
| Proctor | $1,193 | -4% |
| Proctorsville | $1,240 | 0% |
| Putney | $1,218 | -2% |
| Quechee | $1,223 | -1% |
| Randolph | $1,268 | 3% |
| Randolph Center | $1,270 | 3% |
| Reading | $1,215 | -2% |
| Readsboro | $1,239 | 0% |
| Richford | $1,231 | 0% |
| Richmond | $1,240 | 0% |
| Ripton | $1,216 | -2% |
| Rochester | $1,260 | 2% |
| Roxbury | $1,254 | 1% |
| Rutland | $1,193 | -4% |
| Salisbury | $1,227 | -1% |
| Saxtons River | $1,220 | -1% |
| Shaftsbury | $1,238 | 0% |
| Sharon | $1,254 | 1% |
| Sheffield | $1,246 | 1% |
| Shelburne | $1,204 | -3% |
| Sheldon | $1,221 | -1% |
| Sheldon Springs | $1,221 | -1% |
| Shoreham | $1,209 | -2% |
| South Barre | $1,216 | -2% |
| South Burlington | $1,171 | -5% |
| South Hero | $1,213 | -2% |
| South Londonderry | $1,241 | 0% |
| South Newfane | $1,235 | 0% |
| South Pomfret | $1,250 | 1% |
| South Royalton | $1,247 | 1% |
| South Ryegate | $1,261 | 2% |
| South Strafford | $1,270 | 3% |
| South Woodstock | $1,257 | 2% |
| Springfield | $1,208 | -2% |
| St. Albans | $1,222 | -1% |
| St. Albans Bay | $1,218 | -1% |
| St. Johnsbury | $1,234 | 0% |
| St. Johnsbury Center | $1,241 | 0% |
| Stamford | $1,240 | 0% |
| Starksboro | $1,245 | 1% |
| Stockbridge | $1,260 | 2% |
| Stowe | $1,255 | 1% |
| Strafford | $1,267 | 2% |
| Sutton | $1,249 | 1% |
| Swanton | $1,217 | -2% |
| Taftsville | $1,282 | 4% |
| Thetford Center | $1,261 | 2% |
| Topsham | $1,239 | 0% |
| Townshend | $1,217 | -2% |
| Troy | $1,252 | 1% |
| Tunbridge | $1,234 | 0% |
| Underhill | $1,238 | 0% |
| Underhill Center | $1,233 | 0% |
| Vergennes | $1,234 | 0% |
| Vernon | $1,220 | -1% |
| Vershire | $1,271 | 3% |
| Waitsfield | $1,257 | 2% |
| Wallingford | $1,252 | 1% |
| Wardsboro | $1,245 | 1% |
| Warren | $1,265 | 2% |
| Washington | $1,217 | -2% |
| Waterbury | $1,251 | 1% |
| Waterbury Center | $1,244 | 1% |
| Waterville | $1,256 | 2% |
| Websterville | $1,213 | -2% |
| Wells | $1,252 | 1% |
| Wells River | $1,250 | 1% |
| West Brattleboro | $1,216 | -2% |
| West Burke | $1,249 | 1% |
| West Charleston | $1,256 | 2% |
| West Danville | $1,246 | 1% |
| West Dover | $1,244 | 1% |
| West Dummerston | $1,216 | -2% |
| West Fairlee | $1,268 | 3% |
| West Halifax | $1,232 | 0% |
| West Hartford | $1,252 | 1% |
| West Newbury | $1,245 | 1% |
| West Pawlet | $1,247 | 1% |
| West Rupert | $1,235 | 0% |
| West Rutland | $1,217 | -2% |
| West Topsham | $1,244 | 1% |
| West Townshend | $1,227 | -1% |
| West Wardsboro | $1,250 | 1% |
| Westfield | $1,253 | 1% |
| Westford | $1,236 | 0% |
| Westminster | $1,226 | -1% |
| Westminster Station | $1,221 | -1% |
| Weston | $1,237 | 0% |
| White River Junction | $1,221 | -1% |
| Whiting | $1,216 | -2% |
| Whitingham | $1,237 | 0% |
| Wilder | $1,221 | -1% |
| Williamstown | $1,210 | -2% |
| Williamsville | $1,217 | -2% |
| Williston | $1,204 | -3% |
| Wilmington | $1,235 | 0% |
| Windsor | $1,207 | -2% |
| Winooski | $1,179 | -5% |
| Wolcott | $1,254 | 1% |
| Woodbury | $1,251 | 1% |
| Woodstock | $1,230 | -1% |
| Worcester | $1,243 | 0% |
Minimum coverage for car insurance in Vermont
Vermont state law requires drivers to buy at least a minimum amount of liability and uninsured/underinsured motorist (UM/UIM) car insurance coverage.
Vermont car insurance requirements
| Coverage type | Minimum amount needed |
|---|---|
| Liability bodily injury | $25,000 per person$50,000 per accident |
| Liability property damage | $10,000 per accident |
| UM/UIM bodily injury | $50,000 per person$100,000 per accident |
| UM/UIM property damage | $10,000 per accident |
SR-22 insurance in Vermont
Vermont drivers convicted of violations like DUI or driving without insurance may need to file an
SR-22 form
An SR-22 proves you have at least the minimum required amount of car insurance.
with the state.
Vermont drivers who are required to file an SR-22 must do so for three years. If your insurance lapses or is canceled during that time, your insurance company will notify the state — which results in the suspension of your license.
Frequently asked questions
The average cost of car insurance in Vermont is $1,283 a year for full-coverage policies. If you only buy liability car insurance coverage, the average cost is $428 a year.
State Farm is the best cheap car insurance company in Vermont, charging $714 a year for full coverage and $251 a year for liability coverage.