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Compare car insurance in Vermont

Get the cheapest car insurance in Vermont for 2020

Updated

vermont street

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.

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.

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

Compare Vermont car insurance providers

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.
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.
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.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Geico
Optional
26%
All 50 states
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
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.
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Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
Progressive$68,68817.7%
Geico$57,79114.90%
Liberty Mutual$35,1049.10%
State Farm$31,7698.20%
Allstate$22,4145.80%
Concord$18,7484.80%
USAA$18,6084.80%
Travelers$15,3574%
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
Allstate$2834
Progressive$2008
Liberty Mutual$2093
Geico$998
InsureMyTesla$2093

Car insurance quotes in Rutland

CompanyAnnual car insurance rate
Allstate$2588
Progressive$2032
Liberty Mutual$2342
Geico$957
InsureMyTesla$2342

Car insurance quotes in Burlington

CompanyAnnual car insurance rate
Allstate$2578
Progressive$2042
Liberty Mutual$2093
Geico$998
InsureMyTesla$2093

Car insurance quotes in South Burlington

CompanyAnnual car insurance rate
Allstate$2578
Progressive$1995
Liberty Mutual$2093
Geico$998
InsureMyTesla$2093

Car insurance quotes in Colchester

CompanyAnnual 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.

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Frequently asked questions about Vermont car insurance

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