Best Car Insurance in Vermont for 2024

Vermont is known for its beautiful natural scenery, maple syrup, and hockey, and it also has relatively low-cost car insurance. While car insurance in the Green Mountain State is generally affordable, finding the best coverage at the best price can take a little leg work.

Let's look at the best car insurance in Vermont to help you save the most money.

Key takeaways

• The best car insurance in Vermont is USAA, which costs $779 a year for comprehensive coverage.
• Drivers with a clean driving record pay an average of $106 per month in Vermont.
• Winooski drivers pay the most in the state, with an annual average of $1,286.

Best car insurance companies in Vermont

The best car insurance in Vermont is USAA, which costs an annual average of $779 for full coverage and $205 for the state’s minimum coverage. Allstate has the most expensive full coverage insurance in Vermont, costing an average of $1,815 annually. Nationwide had the most costly minimum coverage, an annual average of $456.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	896/1,000	$779/year	$205/year
GEICO	836/1,000	$1,007/year	$297/year
State Farm	829/1,000	$840/year	$297/year
Nationwide	820/1,000	$1,137/year	$456/year
Allstate	816/1,000	$1,815/year	$439/year
Progressive	802/1,000	$1,373/year	$420/year

USAA: Highest customer satisfaction

USAA earned 896 out of 1,000 for customer satisfaction in Vermont, the highest in the state. While its policies are only available to military members and their families, USAA’s prices are the cheapest in Vermont if you qualify. Full coverage costs an average of $779 annually, and USAA’s minimum coverage is $205 annually.

Get a quote now | USAA review

GEICO: Best for drivers with poor credit

GEICO’s full coverage in Vermont costs an average of annually for good drivers. However, it may offer lower than average rates to those with poor credit (a low credit score is generally below 670) than some competitors. GEICO earned our list's second-highest customer satisfaction score and tied with State Farm for the second-lowest minimum car insurance.

Get a quote now | GEICO review

State Farm: Most affordable coverage

State Farm has the most affordable coverage available to everyone on our list. While it earned only the third-highest customer satisfaction score in the state, it is a good option for those looking for the best pricing from a nationally known company. It offers standard and some specialty policies, but you might need to look elsewhere for coverages like a vanishing deductible.

Get a quote now | State Farm review

Nationwide: Best for coverage options

Nationwide has our list’s most expensive minimum auto insurance, but it offers many coverage options that may make it worthwhile for some. It has standard and specialty policies and rewards policyholder loyalty with perks like fender bender forgiveness, locksmith services, and pet insurance. 

Get a quote now | Nationwide review

Allstate: Best for new cars

Allstate offers multiple policies to protect brand-new vehicles, including new vehicle replacement, guaranteed asset protection (gap) coverage, and vanishing deductibles for safe drivers. Despite its numerous options, Allstate is our list’s most expensive full coverage carrier, costing an annual average of $1,815. Its minimum coverage was the second most expensive, costing an average of $439 a year.

Get a quote now | Allstate review

Vermont auto insurance requirements

Like many states, Vermont law says drivers must have a minimum amount of insurance to drive legally. In Vermont, the minimum amounts are:

• $25,000 in bodily injury liability for one person
• $50,000 in bodily injury liability for two or more people in an accident
• $10,000 in property damage liability

Drivers must also have uninsured and underinsured motorist coverage in the amounts of:

• $50,000 for one person injured or killed in an accident
• $100,000 for two or more people hurt or killed in an accident
• $10,000 in property damage per claim

How to choose a car insurance provider in Vermont

Finding a new car insurance provider can take time, but keeping a few things in mind can help:

• Compare quotes: Get pricing from at least three companies. Before signing up, double-check that the coverage options and limits are comparable to what you currently have and that you get every discount you qualify for.
• Ask for reviews: Speak with friends and family about the insurance companies they use and if they recommend it, especially if you have just moved to the area. Review websites like the Better Business Bureau to see existing customers' issues and how the company resolves problems.
• Check financial stability: Research a company’s ability to pay claims on a website like Standard & Poor’s or AM Best. Confirm that a company is licensed to do business in Vermont by checking the Vermont Office of Financial Regulation or the National Association of Insurance Commissioners (NAIC).

How much does car insurance cost in Vermont?

The average cost of car insurance in Vermont is $1,274 per year for full coverage insurance and $348 for the state’s minimum coverage.

Drivers in Winooski tend to pay an annual average of $1,286, the state's highest, but still similar to the state average. Newport drivers pay an average of $1,162 annually, the least in the state.

Vermont car insurance rates by city

Interestingly, there’s only a small difference between Vermont cities' highest and lowest annual car insurance costs. Vermont generally has a low crime rate and low population—factors that can influence what you pay for car insurance—so there isn’t much difference in insurance rates between cities.

For example, analytics website NeightborhoodScout found that Winooski drivers who pay the most for car insurance have a one-in-41 chance of being the victim of a property crime, including vehicle theft. Comparatively, drivers in Barre, which has the second cheapest coverage in the state, have a one-in-38 chance of experiencing the same types of crime.

City	Avg. annual full-coverage premium
Winooski	$1,286/year
Burlington	$1,284/year
South Burlington	$1,267/year
Rutland	$1,235/year
Barre	$1,210/year
Newport	$1,162/year

Methodology

FAQs about car insurance costs in Vermont