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Last updated on Mar 30, 2020

Best Vermont Car Insurance Companies

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Vermont’s auto insurance rates are on the low side — on average $764 per year, compared to the nationwide average of $1,009. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:

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It pays to shop around. Enter your ZIP code to compare rates

What Does Homeowners Insurance Cost in Vermont?

Average annual premium in Vermont: $764

$764
$0 $2,000
U.S. Average
$1,009

How We Found the Best Vermont Auto Response

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9 Companies compared

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3 Ratings analyzed

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5 Top picks

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 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.