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Vermont
Car insurance quick facts
25/50/10
Minimum liability requirements
$1,300
Average annual car insurance cost
Immediately
Days to update your license
At-fault state
In at fault states, the driver who caused the accident pays for damages.
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Compare Vermont car insurance providers
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.
Car insurance quotes in Essex Junction
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2834 |
| Progressive | $2008 |
| Liberty Mutual | $2093 |
| Geico | $998 |
| InsureMyTesla | $2093 |
Car insurance quotes in Rutland
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2588 |
| Progressive | $2032 |
| Liberty Mutual | $2342 |
| Geico | $957 |
| InsureMyTesla | $2342 |
Car insurance quotes in Burlington
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2578 |
| Progressive | $2042 |
| Liberty Mutual | $2093 |
| Geico | $998 |
| InsureMyTesla | $2093 |
Car insurance quotes in South Burlington
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2578 |
| Progressive | $1995 |
| Liberty Mutual | $2093 |
| Geico | $998 |
| InsureMyTesla | $2093 |
Car insurance quotes in Colchester
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2578 |
| Progressive | $1995 |
| Liberty Mutual | $2097 |
| Geico | $1000 |
| InsureMyTesla | $2097 |
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.
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Frequently asked questions about Vermont car insurance
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