Compare car insurance in Vermont

Unless you’ve lived in multiple states, you might not know that each enforces its own laws and minimum requirements when it comes to auto insurance. Here’s what to expect from your auto insurnace when you get behind the wheel and out on Vermont’s winding mountain roads.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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• Top auto insurance companies in Vermont
• List of insurance companies in Vermont

Compare Vermont car insurance providers

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Optional			Yes	All 50 states	Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...

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Most popular Vermont auto insurance companies list

Company	Direct premiums written (billions)	Market share
Progressive	$68,688	17.7%
Geico	$57,791	14.90%
Liberty Mutual	$35,104	9.10%
State Farm	$31,769	8.20%
Allstate	$22,414	5.80%
Concord	$18,748	4.80%
USAA	$18,608	4.80%
Travelers	$15,357	4%
Vermont Mutual	$15,131	3.90%
Patrons Co-op Fire	$14,909	3.80%

Average car insurance costs in Vermont

Vermont’s statewide averages for car insurance costs were right around $950 to $1,000 annually in 2017. In fact, only three states in the nation had lower average rates. The national average comes in at $1,300.

You’ll find quite a bit of cost differences across the state, though. For example, a driver in downtown Burlington might pay more than someone living on a farm 30 miles away. This is partly because living in an area with high population density typically means a vehicle is at higher risk for theft, vandalism and traffic accidents.

Because insurance providers base much of their policy cost calculations on a driver’s likelihood of filing claims, lower risk can translate into lower costs for the customer.

Which city has the cheapest car insurance in Vermont?

Of Vermont’s largest cities, Rutland has the cheapest rates and Essex Junction has the most expensive car insurance rates. Essex Junction drivers could face rates 3 times more than Rutland drivers.

• Essex Junction
• Rutland
• Burlington
• South Burlington
• Colchester

State minimum requirements in Vermont

To legally drive in Vermont, you’ll need insurance that includes at least:

• $25,000 for injury or death to one person in an accident.
• $50,000 for total injury or death if multiple people are hurt in the accident.
• $10,000 for property damage.

In addition, you’ll need to carry uninsured/underinsured motorist coverage with at least:

• $50,000 for bodily injury to one person.
• $100,000 for total injury if multiple people are injured or killed.

Can I get SR-22 insurance in Vermont?

Yes. An SR-22 isn’t actually insurance, but rather a document proving to the state that you’re legally and legitimately insured. You might need an SR-22 in Vermont if you’ve gotten a DUI or you’re caught driving without car insurance.

Bottom line

Car insurance helps to protect you, your vehicle and everyone else on the road, and it’s legally required to get behind the wheel in the scenic state of Vermont. Vermont’s auto insurance rates are relatively low compared to national averages, but you could find ways to save even more if you’re willing to shop around and compare offerings from multiple providers.

To learn more about insurance regulations, discounts, policy extras and more, read our comprehensive guide to car insurance.

Frequently asked questions about Vermont car insurance

• Will my rates go up after I file a claim?

  They could. You might see your rates go up at policy renewal if you’ve recently filed a claim. Some companies also advertise a “surcharge schedule”— basically a predetermined premium increase they charge you after you file an accident claim. Check with your insurance company to see if they have a surcharge schedule and what that means for your rates.

• What happens if I miss a car insurance payment?

  You’re typically notified by your insurance provider if you’re late on a payment, prompting you to pay the bill as soon as possible. If you wait too long, however, your provider can cancel your coverage.

  Most insurance providers reserve the right to cancel your coverage if you’re late paying a single premium. To learn more, get in touch with your provider.

• How long do I have to report an accident?

  In Vermont, you have three days to report an accident that resulted in injury, deaths or property damages of $3,000 or more.