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In Vermont, State Farm, USAA, and Safeco consistently offer competitive rates.
Full-coverage car insurance in Vermont averages $145 per month, compared to the national average of $193. Your actual premium depends on multiple factors, including age, driving history, and where you live. The most effective approach to finding your best rate is comparing quotes from several insurance companies.
Learn more about Vermont's most affordable car insurance choices across different coverage types, driver categories, and insurance carriers.
Affordable full-coverage car insurance in Vermont
Full-coverage insurance averages $145 monthly in Vermont, compared to $193 nationwide. Among the cheapest car insurance providers available in Vermont, State Farm, USAA, and Safeco stand out for their competitive pricing.
| Average monthly full coverage cost | |
| Vermont average | $145 |
| National average | $193 |
| State Farm | $43 |
| USAA | $84 |
| Safeco | $94 |
| Progressive | $118 |
Affordable liability-only car insurance in Vermont
Among the most affordable liability car insurance providers in Vermont, State Farm, USAA, and Safeco offer exceptional value.
Liability-only coverage in Vermont costs an average of $64 monthly, while the national average sits at $106.
| Average monthly liability-only cost | |
| Vermont average | $64 |
| National average | $106 |
| State Farm | $19 |
| USAA | $39 |
| Safeco | $50 |
| Progressive | $55 |
Cheap car insurance in Vermont by age
Age significantly impacts insurance costs. Car insurance for teens carries the steepest rates, with Vermont policies averaging $312 monthly due to limited driving experience.
Drivers in their 20s see reduced rates, with policies averaging $217 per month. Costs continue declining for those in their 30s and 40s, averaging $154 and $145 monthly, respectively.
Rates may increase again for drivers entering their 60s and beyond. Vermont seniors typically pay $124 monthly in their 60s and $128 in their 70s.
These age-related premium changes reflect varying risk levels across different age groups, with inexperienced young drivers considered higher risk, while older drivers sometimes face increased rates due to health-related factors and changing driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $312 | $138 |
| 20s | $217 | $96 |
| 30s | $154 | $68 |
| 40s | $145 | $64 |
| 50s | $149 | $66 |
| 60s | $124 | $55 |
| 70s | $128 | $56 |
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Cheap car insurance in Vermont for high-risk drivers
Drivers with moving violations or accidents typically face higher insurance premiums. The following shows average Vermont costs for drivers with accidents, speeding tickets, or DUI convictions, based on rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $207 | $92 |
| Speeding ticket | $174 | $77 |
| DUI | $201 | $89 |
Compare low-cost car insurance after an accident
For Vermont drivers with accidents on their record, State Farm, USAA, and Safeco provide competitive car insurance rates. Drivers with an accident history pay an average of $207 monthly for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $57 | $25 |
| USAA | $113 | $52 |
| Safeco | $133 | $71 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Vermont drivers with speeding violations can find affordable car insurance through State Farm, USAA, and Safeco. Full coverage averages $174 monthly for drivers with speeding tickets on their record.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $51 | $23 |
| USAA | $102 | $47 |
| Safeco | $117 | $62 |
Compare low-cost car insurance after DUI conviction
Vermont drivers with DUI convictions can secure affordable full coverage through State Farm, USAA, and Safeco. Full coverage for drivers with a DUI history averages $201 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $61 | $27 |
| USAA | $119 | $55 |
| Safeco | $139 | $74 |
Cheap car insurance in Vermont by credit score
Vermont drivers with excellent credit typically pay $125 monthly. Drivers with poor credit face substantially higher premiums, with rates beginning at $166 per month.
This rate variation demonstrates how credit scores influence insurance pricing, with poor credit generally resulting in elevated premiums due to insurers' assessment of payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $125 | $55 |
| Good | $143 | $63 |
| Average | $154 | $68 |
| Poor | $166 | $73 |
FAQs
What is the minimum car insurance coverage required in Vermont?
In Vermont, drivers must carry at least $25,000 per person and $50,000 per accident for bodily injury liability, plus $10,000 for property damage liability. Additionally, uninsured and underinsured motorist coverage is required at the same minimums.
How much does car insurance cost in Vermont?
The average cost of full coverage car insurance in Vermont is approximately $1,213 per year, while minimum coverage averages around $406 annually. Rates can vary based on factors like driving history, age, and credit score.
Does Vermont require SR-22 insurance?
Yes, Vermont requires an SR-22 form for drivers convicted of certain violations, such as DUIs or driving without insurance. The SR-22 serves as proof of financial responsibility and is typically required for three years.
Is Vermont a no-fault state for car insurance?
No, Vermont is an at-fault state. This means the driver who is found to be responsible for an accident is liable for the damages and injuries resulting from the collision.
Can I get car insurance in Vermont with a poor credit score?
Yes, you can obtain car insurance in Vermont with a poor credit score, but your premiums may be higher. Insurance companies often consider credit history when determining rates, so it's beneficial to shop around for the best options.
Bottom line
Although these companies offer some of Vermont's lowest rates, this doesn't guarantee they'll provide the cheapest coverage for your specific situation. Your best approach is to obtain quotes from multiple insurers and compare both pricing and service quality to find your ideal match.
Data throughout provided by Insurify.
Average rate:
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