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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 4 Best Car Insurance Companies in Vermont

    • State Farm: Best Overall
    • Progressive: Best Coverage Options
    • Geico: Least Expensive
    • Allstate: Best Discounts
    CompanyAverage Price for State Minimum* Average Price for Full Coverage* Reviews.com ScoreAM Best Financial StrengthJ.D. Power Overall Customer Satisfaction 
    State Farm$700.59$1,960.264.8/5A++855
    Progressive$810.96$2,112.014.4/5A+819
    Geico$317.19$1,245.484.2/5A++841
    Allstate$366.94$2,048.564.2/5A+807

    Information accurate as of 11/6/2020 *Data provided by Coverage.com

    State Farm

    Best Overall

    Why we chose it

    State Farm offers the best overall auto insurance option for Vermont residents. Featuring the highest customer satisfaction and incredible financial strength, State Farm takes the top position as the best car insurance provider in the state.
    • 4.8 Reviews Score
    • $700.59* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 855** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm offers the best overall auto insurance option for Vermont residents. Featuring the highest customer satisfaction and incredible financial strength, State Farm takes the top position as the best car insurance provider in the state.

    Pros

    • Great financial strength
    • Strong customer satisfaction
    • Available 24/7 roadside assistance

    Cons

    • Slightly more expensive than other options
    Read More

    Types of coverage offered

    • Collision
    • Comprehensive
    • Rental Car
    • Rideshare
    • Teen Driver
    • Sports Car
    • Classic & Antique Car
    • Commercial Auto

    Discoutns available

    • Drive Safe & Save
    • Steer Clear
    • Accident-Free
    • Defensive Driving Course
    • Good Driving
    • Driver Training
    • Student Away at School
    • Good Student
    • Vehicle Safety
    • Passive Restraint
    • Anti-Theft
    • Multiple Auto
    • Multiple Line

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Further Reading on Reviews.com:

    Progressive

    Best Coverage Options

    Why we chose it

    Progressive provides some of the best auto insurance coverage in Vermont, featuring a comprehensive list of available coverage options. The company also offers a unique Name Your Price tool so consumers can have additional control over their premiums.
    • 4.4 Reviews Score
    • $810.96* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 819** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive provides some of the best auto insurance coverage in Vermont, featuring a comprehensive list of available coverage options. The company also offers a unique Name Your Price tool so consumers can have additional control over their premiums.

    Pros

    • Good financial strength
    • Name Your Price tool
    • Breadth of coverage

    Cons

    • The most expensive option in our list
    Read More

    Types of coverage offered

    • Liability
    • Comprehensive
    • Collision
    • Uninsured/Underinsured Bodily Injury
    • Uninsured/Underinsured Motorist Property Damage
    • Medical Payments
    • Roadside Assistance
    • Loan/Lease Payoff
    • Rental Car Reimbursement
    • Custom Parts & Equipment Value
    • Rideshare
    • Deductible Savings Bank

    Discounts available

    • Multi-policy
    • Multi-car
    • Continuous Insurance
    • Snapshot
    • Teen Driver
    • Good Student
    • Distant Student
    • Homeowner
    • Online Quote
    • Sign Online
    • Paperless
    • Pay in Full
    • Automatic Payment

     * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Further Reading on Reviews.com:

    Geico

    Least Expensive

    Why we chose it

    Geico offers the least expensive car insurance in Vermont, featuring a broad range of additional discounts that further reduce the already-low premiums the company boasts.
    • 4.2 Reviews Score
    • $317.19* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 841** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico offers the least expensive car insurance in Vermont, featuring a broad range of additional discounts that further reduce the already-low premiums the company boasts.

    Pros

    • Low monthly premiums
    • Great financial strength
    • Strong consumer satisfaction

    Cons

    • Not many coverage options
    Read More

    Types of Coverage Offered

    • Comprehensive
    • Liability
    • Rideshare
    • Rental Car
    • Medical
    • Uninsured Motorist
    • Collision
    • Mechanical Breakdown
    • Emergency Road Service

    Discounts Available

    • Air Bag
    • Anti-Lock Brakes
    • Anti-Theft System
    • Daytime Running Lights
    • New Vehicle
    • Good Driver
    • Seat Belt Use
    • Defensive Driving
    • Driver’s Educational Course
    • Good Student
    • Emergency Deployment
    • Federal Employee
    • Membership & Employee
    • Military
    • Multi-vehicle
    • Multi-policy

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Further Reading on Reviews.com:

    Allstate

    Best Discounts

    Why we chose it

    Allstate has one of the broadest variety of available discounts, which is why it earns a place on our list of best car insurance providers in Vermont. The easy-to-redeem discounts can reduce your cost by more than 15%.
    • 4.2 Reviews Score
    • $366.94* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 807** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate has one of the broadest variety of available discounts, which is why it earns a place on our list of best car insurance providers in Vermont. The easy-to-redeem discounts can reduce your cost by more than 15%.

    Pros

    • Many available discounts
    • Good financial strength

    Cons

    • No military or multiple cars discounts
    • Below average customer satisfaction score
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Medical Payments
    • Uninsured/Underinsured Motorist
    • Sound System
    • Roadside
    • Personal Injury
    • Personal Umbrella
    • Rental Reimbursement
    • Teen Driver
    • Rideshare

    Discounts Available

    • New Car
    • Multi-policy
    • Smart Student
    • Anti-lock Brake
    • Anti-theft Device
    • EZ Pay Plan
    • Early Signing
    • Allstate eSmart®
    • FullPay
    • Safe Driving Club
    • Responsible Payer

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Further Reading on Reviews.com:

    The Average Cost of Car Insurance in Vermont

    According to the Insurance Information Institute, Vermont is the sixth cheapest state for auto insurance with an average cost of $1,123 annually. The national average cost of full coverage car insurance in the United States is $1,555 annually. Vermont is considered the most rural state in the country, and it ranks in the top five of the Insurance Information Institute’s list of states with the lowest numbers of uninsured drivers, both of these are considered factors that reduce the cost of insurance. Nonetheless, your individual situation and needs are considered when you request a car insurance quote, so what you will end up paying will be different from the average we present here.

    Top 3 Cheapest Car Insurance Companies in Vermont

    CompanyAverage Annual Premium*
    Union Mutual$261.70
    Geico $317.19
    USAA $330.85

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Vermont

    CompanyAverage Annual Premium*
    Metropolitan Property & Casualty $1,106.05
    Progressive $810.96
    State Farm $700.59

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Vermont

    CityAverage Annual Premium*
    St. Johnsbury $480.17 
    St. Albans$483.41
    Middlebury $487.01

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Vermont

    CityAverage Annual Premium*
    Burlington $567.48 
    South Burlington $562.03
    Essex Junction $534.59

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Guide to Vermont Car Insurance

    In Vermont, motorists are required to have certain insurance coverages. According to Vermont state statute 23 V.S.A. § 800, drivers must purchase liability insurance. Drivers are also required to have uninsured motorist coverage as well as uninsured property damage coverage.

    Key Takeaways

    • If you can’t provide proof of valid car insurance, you will be fined for $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 receive a “junior license” with certain restrictions.

    Car Insurance Add-Ons That Will 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 any medical expenses incurred.
    • Add-on Roadside Assistance: Vermont is known for its harsh winters and muddy springtime weather, so it’s a good idea to get roadside assistance coverage in case you get stuck on the side of the road.
    • Add-on Towing & Labor Cost: In the event you need a car towed, towing and labor cost coverage will reimburse you for any costs associated with transporting your vehicle to your home or auto shop.
    • 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.

    Vermont Minimum Insurance Requirements

    Vermont requires motorists to have a minimum amount of bodily injury coverage per person and per accident. The state also mandates a specific dollar amount for property damage coverage. In addition, Vermont drivers are required to have uninsured motorist and uninsured property damage coverage.

    Minimum liability required in the state of Vermont is divided as follows:

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

    Vermont Auto Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Vermont, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Vermont, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Carly Severino is a writer for Reviews.com with over 15 years of experience. Over the last four months, she has covered homeowners insurance, auto insurance, internet providers, and more. She writes about insurance and personal finance and her work has been featured in publications such as Bankrate, The Simple Dollar and Coverage.com. The Best Internet Providers of 2020 is Carly’s favorite story on Reviews.com.

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