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Last updated on Mar 30, 2020

Best Vermont Car Insurance Companies

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    With its beautiful scenery and high quality of life, Vermont consistently ranks as one of the best places to live in the U.S. On top of its traditional draws, Vermont also claims some of the lowest average auto insurance rates across the country, averaging premiums of about $501. 

    We evaluated locally available carriers to find the top options based on coverage, affordability, and available discounts. Union Mutual earned the top spot, with four other contenders providing solid options for Vermont drivers.

    The 5 Best Car Insurance Companies in Vermont

    • Union Mutual
    • GEICO
    • Allstate
    • USAA
    • State Farm
     Union MutualGEICOAllstateUSAAState Farm

    Our reviewOur reviewOur reviewOur reviewOur review
    A.M. Best Financial Strength RatingA-A++A+A++A++
    J.D. Power 2019 Overall Customer Satisfaction Score N/A4/53/55/54/5
    Avg. Annual Premium $279$297$383$232$466

    Compare ratesCompare ratesCompare ratesCompare ratesCompare rates

    Quadrant car insurance rate data as of 07/01/2019. 

    Union Mutual of Vermont


    Best Vermont Car Insurance Companies
    Union Mutual
    Union Mutual


    Availability can vary, and our quote tool may not include all providers in your area.

    Pros

    • Low annual premium
    • Diverse vehicles covered

    Cons

    • Financial rating lower than other options

    Union Mutual is local to Vermont, but provides the stability and service you’d find anywhere else. A.M. Best’s rating for Union Mutual’s financial strength is an A- and the Better Business Bureau gives it an A+ rating.

    The company offers ten distinct ways to get a discount on your policy, taking the average annual premium to just $279. Plus, the company will cover a range of vehicles in addition to cars and trucks, including campers, utility trailers, and horse trailers.

    GEICO


    Best Vermont Car Insurance Companies
    Geico
    Geico


    Availability can vary, and our quote tool may not include all providers in your area.

    Pros

    • Strong customer service ratings
    • Large potential to save for new customers

    Cons

    Higher premiums than some other companies

    GEICO is an established national insurance company offering auto coverage in Vermont at low rates. The annual average premium is just $297 and the company’s financial stability is reflected in its A++ rating from A.M. Best.

    In addition to saving money by bundling your auto insurance with other types of policies, GEICO also has a 97% customer satisfaction rating.

    Allstate


    Best Vermont Car Insurance Companies
    Allstate
    Allstate


    Availability can vary, and our quote tool may not include all providers in your area.

    Pros

    • Customer loyalty discounts
    • Early renewal discounts

    Cons

    Above average premium

    Allstate is the king of discounts. If you’ve held continuous insurance coverage on your vehicle for the life of your ownership, you’ll automatically qualify for 5% off of your total premium. Allstate has other unique discounts, like 10% savings if you sign up seven days before your old policy expires.

    The downside is that the average annual Allstate premium in Vermont is still higher than other top picks like Union Mutual and GEICO. The average Vermont car owner can expect to pay around $383 each year.

    USAA


    Best Vermont Car Insurance Companies
    USAA
    USAA


    Availability can vary, and our quote tool may not include all providers in your area.

    Pros

    • Very low premiums
    • Strong customer satisfaction

    Cons

    Reserved only for military

    USAA is a large insurance company that provides many services for military personnel and their immediate family. J.D. Power has USAA ranked as “among the best” on J.D. Power’s 2019 Auto Claims Satisfaction Study, awarding it 5/5 stars and an impressive 903/1,000. USAA also has an A.M. Financial Strength Rating of A++ and the average premium for car insurance is a low $232.

    USAA’s only downfall is that their services are limited to military personnel and their immediate family. USAA offers their services to current military members, including active duty, Guard, Reserve, and Officer candidates (ROTS, OTS/OCS, and Academy), military vets and retirees who have served honorably, spouses of current former service members, and children of USAA members.

    State Farm


    Best Vermont Car Insurance Companies
    State Farm
    State Farm


    Availability can vary, and our quote tool may not include all providers in your area.

    Pros

    • Comprehensive coverage options
    • Rideshare protection available

    Cons

    More expensive compared to others

    State Farm backs up its terrific claims satisfaction numbers with the most impressive range of coverage available. A particularly notable inclusion is custom parts or sound system protection, plus accident forgiveness and new car replacement endorsements.

    On the downside, State Farm’s average annual premium for car insurance in Vermont is $466 — more than $200 higher than the cheapest option at USAA.

    The Cheapest Car Insurance Companies In Vermont

    Car Insurance CompaniesAverage Annual Premium
    USAA$232
    New England Guaranty$279
    Union Mutual Fire$293
    GEICO$297
    Allstate$383
    State Farm$466
    Nationwide$529
    NGM Insurance Company$539
    Metropolitan Insurance$932

    Car Insurance by Credit Rating

    Credit Rating TierAverage Annual Premium
    PoorN/A
    Below Fair$562
    FairN/A
    AverageN/A
    Good$439
    ExcellentN/A
    Average Across Credit Rating Tiers$501

    Quadrant car insurance rate data as of 12/01/2019.

    These rates are a sample set meant only for general comparison. Your own premium will vary. Learn how we tested rates for the cheapest car insurance companies below.

    Top 3 Cheapest Car Insurance Companies in Vermont

    •USAA – $232

    • Union Mutual – $293

    • GEICO – $297

    Top 3 Most Expensive Car Insurance Companies in Vermont

    Please use the data provided under GUIDELINES to fill out the following bullets.

    • Metropolitan Insurance – $932

    • NGM Insurance – $539

    • Nationwide – $529

    USAA offers the lowest average car insurance in Vermont, followed closely by Union Mutual for non-military members. Their rates are substantially less expensive than Metropolitan Insurance. 

    Keep in mind, though, that all of these numbers reflect averages. Your specific quote will vary based on things like your driving history, your age, and your credit score.

    Guide to Vermont Car Insurance 

    Georgia Minimum Liability

    Liability refers to your responsibility anytime you’re involved in an auto incident. You can get coverage for both bodily injury liability and property damage liability in case you’re the one who is found at fault. This coverage pays for the damage on your behalf so you don’t have to pay out of your own pocket. 

    The minimum amount of auto insurance you have to get is called “minimum liability”. Here’s how much you need in Vermont in order to drive.

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

    Consider purchasing more than minimum coverage

    Purchasing just the minimum required liability coverage poses a risk in the event of an accident. If the property damage exceeds the minimum of $25,000, you’re stuck paying the rest out of pocket. To be safe, consider the highest level of auto insurance you can reasonably afford. 

    How We Found the Best Vermont Car Insurance Companies

    We evaluated some of the largest and most reputable insurance carriers in Vermont. Factors weighed include the financial security of each company, the average annual premium, and customer satisfaction ratings. This gives you a sense of affordability, quality of service, and likelihood of having your claims paid.

    We worked with Quadrant Information Services to provide data on auto insurance rates by company and credit score. Quadrant makes this information available using rate data insurers are required to file with state Departments of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes.

    Vermont Auto Insurance FAQ

    The Best Auto Insurance Companies in Vermont: Summed Up

    A.M. Best Financial Strength Rating
    J.D. Power 2018 Auto Claims Satisfaction Score
    Consumer Reports Reader Score
    State Farm
    A++
    4/5
    89/100
    Allstate
    A+
    4/5
    87/100
    Progressive
    A+
    3/5
    88/100
    Liberty Mutual
    A
    3/5
    88/100
    USAA
    A++
    5/5
    95/100

    About the Authors

    Lauren Ward

    Lauren Ward Contributing Writer

    Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.