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Compare car insurance in Vermont

Get the cheapest car insurance in Vermont for 2021

The average annual cost of car insurance in Vermont is $1,300. Narrow down car insurers offering coverage in Vermont by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

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.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Most popular Vermont auto insurance companies list

CompanyDirect premiums written (billions)Market share
Liberty Mutual$35,1049.10%
State Farm$31,7698.20%
Vermont Mutual$15,1313.90%
Patrons Co-op Fire$14,9093.80%

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

CompanyAnnual car insurance rate
Liberty Mutual$2093

Car insurance quotes in Rutland

CompanyAnnual car insurance rate
Liberty Mutual$2342

Car insurance quotes in Burlington

CompanyAnnual car insurance rate
Liberty Mutual$2093

Car insurance quotes in South Burlington

CompanyAnnual car insurance rate
Liberty Mutual$2093

Car insurance quotes in Colchester

CompanyAnnual car insurance rate
Liberty Mutual$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.

Frequently asked questions about Vermont car insurance

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