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Car Insurance in Vermont

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Vermont Car Insurance Quotes

Residents of Vermont pay $118 per month on average for auto insurance, which is 38% less than the national average. Vermont's crime rate is lower than the national average, making it a safer place to drive and dropping the price of car insurance coverage.

Despite having one of the lowest premium costs in the country, the rates in Vermont can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. 

Read on to learn more about properly insuring your car in Vermont.  

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Vermont Car Insurance Laws

Drivers who routinely find themselves winding through the Green Mountain State should be sure they have enough insurance. Vermont car insurance law requires a minimum level of auto insurance coverage.. 

Vermont’s car insurance minimums are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $10,000 per person for property

Additionally, Vermont is one of 14 states that require both uninsured and underinsured policies, which cover your costs in the event you are hit by someone who either doesn't have insurance or doesn't have high enough limits to cover your losses.

Cheapest Insurance in Vermont

A variety of factors impact the price of a car premium. EverQuote weighs variables such as driver age and record, car make and model, available discounts, and coverage types to determine the most accurate cost of coverage.

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Vermont.

Rank Insurance company Average monthly premium
1 USAA $69
2 State Farm $73
3 Auto Owners $77
4 Progressive $84
5 Geico $92
Avg. monthly premiums are weighted by zip code population sizes

Fast, Free Auto Insurance Quotes

Proof of Insurance

“ driving without insurance in Vermont ... you could be charged a fine up to $500, have your license suspended, be required to file an SR-22. ” 


Driving without proof of insurance may warrant a minor citation, which can be waived if proof is shown within 14 days. If you're caught driving without insurance in Vermont, the penalties are no joke. You could be charged a fine of up to $500, have your license suspended, and be required to file an SR-22 form from your insurance company with the DMV. If you buy a new car, you have a 30-day grace period to add the new vehicle to your existing policy. .

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Vermont?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Vermont?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Vermont?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.