We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
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.
What do you want to read about first?
- Top-rated insurer
- Online quotes & claims
- Bundle and save
Our top pick: Progressive
Choose from a long list of discounts and coverage for almost any driver.
- Top-rated insurer with 80 years of experience
- Easy online sign-up and reporting
- Multiple discounts available
- Transparent quoting
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.
Vermont car insurance rates
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.
Get the cheapest quotes
Compare car insurance companies near you.
Your information is secure.
Frequently asked questions about Vermont car insurance
Which car insurance provider is best for me?
Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.
Question 1 of 2
Read more on this topic
-
When can I use my phone when driving? When are you allowed to use your phone while driving in each state?
-
Noblr car insurance review Noblr car insurance offers monthly premium discounts based on your safe driving habits.
-
Compare carshare car insurance Make sure the free insurance offered by carshare services is enough protection for you.
-
Compare car insurance for self-employed drivers Self-employed drivers need to balance getting the best rates with protecting their business.
-
Compare Allstate car insurance discounts You could save well over 30% by taking advantage of Allstate’s numerous car insurance discounts.
-
Compare Liberty Mutual car insurance discounts Save extra money with Liberty Mutual by taking advantage of its numerous car insurance discounts.
-
Which gas should you use in your car? When should you use regular, premium or E85 gas? And what if you use the wrong kind?
-
How does car insurance cover additional drivers? Insurance should cover drivers listed on your policy, but double-check how your company handles unnamed drivers.
-
Compare car insurance with accidental death benefits An accidental death benefits rider can help cover funeral expenses after a fatal car accident.
-
Does driver assist technology affect car insurance? Driver assist technology won’t discount your insurance premium, but it could save your life.
Ask an Expert