Vermont remains one of the cheapest states in the nation for auto insurance. Recent 2025 rate studies from Bankrate, NerdWallet, ValuePenguin and The Zebra generally place a typical full coverage policy in Vermont around $1,100–$1,500 per year, with minimum-liability coverage roughly $250–$400 per year. These sources also show Vermont well below the U.S. average in their 2025 comparisons.

When looking for auto insurance in the state of Vermont, you may want to consider more than just each company’s average premium. To find the best car insurance for you, it may be helpful to consider the J.D. Power customer satisfaction results, AM Best financial strength, policy offerings and available discount options. In 2025, strong picks for many Vermont drivers often include State Farm, Geico and USAA (eligibility required), with Amica Mutual frequently leading New England satisfaction and regional carriers like Vermont Mutual and Concord Group offering competitive local service. Because pricing varies widely by profile, compare several quotes.

The 4 Best Car Insurance Companies in Vermont

• Allstate: Best for Discounts
• Geico: Best for Cheap Rates
• State Farm: Best for Customer Service
• USAA: Best for Military-Centric Options

Information current as of November 2025

*Data sources: 2025 updates from Bankrate, NerdWallet, ValuePenguin, and The Zebra (methodologies differ).

**J.D. Power 2024 U.S. Auto Insurance Study rating for the New England region.

***USAA does not technically qualify for ranking, since membership is restricted to U.S. service members, veterans and qualifying family members.

The Average Cost of Car Insurance in Vermont

Vermont’s average cost for full coverage typically falls around $1,100–$1,500 per year, keeping the state among the least expensive in the nation, based on 2025 updates from Bankrate, NerdWallet, ValuePenguin and The Zebra. Exact figures vary by source and driver profile; when comparing Vermont to the U.S. average, use the national average published by the same study.

Drivers with a clean driving record, a clean claims history and a vehicle with low crash rates may pay less for their insurance. Premiums have risen since 2021 amid higher repair and medical costs — the BLS motor vehicle insurance index shows unusually large year-over-year increases through 2024–2025 — so it’s wise to compare quotes across several insurers and consider telematics programs to help offset costs. 

Top 3 Cheapest Car Insurance Companies in Vermont

* Data sources: 2025 updates from Bankrate, NerdWallet, ValuePenguin, and The Zebra. Company rankings and dollar amounts vary by study and driver profile.

Top 3 Most Expensive Car Insurance Companies in Vermont

* Data sources: 2025 updates from Bankrate, NerdWallet, ValuePenguin, and The Zebra. Actual rankings vary by study and driver profile; always compare multiple quotes.

Top 3 Cheapest Cities for Car Insurance in Vermont

* City-level averages fluctuate by source and driver profile. For current 2025 snapshots, see Bankrate, NerdWallet, ValuePenguin and The Zebra.

Top 3 Most Expensive Cities for Car Insurance in Vermont

* City-level averages change over time. For the latest 2025 figures and methodologies, consult Bankrate, NerdWallet, ValuePenguin and The Zebra.

Guide to Vermont Car Insurance

In Vermont, motorists are required to have certain insurance coverage types. According to Vermont state statute 23 V.S.A. § 800, drivers must purchase bodily injury & property damage liability insurance. Drivers are also required to have uninsured and underinsured motorist coverage as well as uninsured property damage coverage; see the Vermont DMV for details.

Key Takeaways

• If you can’t provide proof of valid car insurance, you may be fined for up to $500. You have 20 days to show the proof of coverage or your driver’s license will be suspended until you present the document.
• Vermont residents can request the DMV to re-examine neighbors, friends or family members they consider unsafe drivers.
• Underage drivers may receive a “junior license” with certain restrictions.

Car Insurance Add-Ons That May Further Protect You

• Add-on Medical Payments: In the event an accident results in bodily injury to either yourself or the other person involved, medical payments coverage will reimburse you for certain medical expenses, up to your policy’s limits. This coverage is optional in Vermont and can complement your health insurance.
• Add-on Roadside Assistance: Vermont is known for its harsh winters and muddy springtime weather, so it’s a good idea to consider roadside assistance coverage in case you get stuck on the side of the road. Look for plans that include higher tow-mile limits, winching and trip interruption benefits, especially given the NOAA 2024–2025 winter outlook and Vermont’s winter road conditions.
• Add-on Towing & Labor Cost: In the event you need a car towed, towing and labor cost coverage will reimburse you for costs associated with transporting your vehicle to your home or auto shop. In rural areas, consider higher towing limits and explicit winching/extraction coverage for snow or mud.
• Add-on Collision: There are many dirt roads in Vermont, as well as oversized tractors and commercial trucks traveling down the road, so adding collision coverage is a great idea for state residents. Note that animal strikes (like deer) are typically covered under comprehensive, not collision — a common risk in Vermont during fall and early winter (State Farm analysis).

Vermont Minimum Insurance Requirements

Vermont requires motorists to have a minimum amount of bodily injury liability coverage per person and per accident. The state also mandates a specific dollar amount for property damage liability coverage. In addition, Vermont drivers are required to have uninsured/underinsured motorist coverage and uninsured property damage coverage. For official details, see the Vermont DMV and Department of Financial Regulation.

Minimum requirements in the state of Vermont are:

• $25,000 bodily injury liability coverage per person
• $50,000 bodily injury liability coverage per accident
• $10,000 for property damage
• $50,000 uninsured motorist bodily injury per person
• $100,000 uninsured motorist bodily injury per accident
• $10,000 uninsured motorist property damage per accident

Vermont Auto Insurance FAQ

Methodology

Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers. 

As for average pricing, we reference 2025 updates from Bankrate and corroborate with NerdWallet, ValuePenguin and The Zebra. When comparing Vermont with national figures, we use the national average reported by the same source to maintain methodological consistency. A common “full coverage” benchmark includes limits like the following:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, we reflect Vermont’s statutory requirements. Profiles, vehicles, territories and discount assumptions vary by source; consult each study’s methodology. 

These are sample rates and should only be used for comparative purposes.

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