INSURANCE - CAR INSURANCE

Best Car Insurance in Vermont for 2024

Updated April 12, 2024
Fact checked
USAA generally has Vermont's best car insurance.

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Vermont is known for its beautiful natural scenery, maple syrup, and hockey, and it also has relatively low-cost car insurance. While car insurance in the Green Mountain State is generally affordable, finding the best coverage at the best price can take a little leg work.

Let's look at the best car insurance in Vermont to help you save the most money.

In this article

Key takeaways

  • The best car insurance in Vermont is USAA, which costs $779 a year for comprehensive coverage.
  • Drivers with a clean driving record pay an average of $106 per month in Vermont.
  • Winooski drivers pay the most in the state, with an annual average of $1,286.

Best car insurance companies in Vermont

The best car insurance in Vermont is USAA, which costs an annual average of $779 for full coverage and $205 for the state’s minimum coverage. Allstate has the most expensive full coverage insurance in Vermont, costing an average of $1,815 annually. Nationwide had the most costly minimum coverage, an annual average of $456.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 896/1,000 $779/year $205/year
GEICO 836/1,000 $1,007/year $297/year
State Farm 829/1,000 $840/year $297/year
Nationwide 820/1,000 $1,137/year $456/year
Allstate 816/1,000 $1,815/year $439/year
Progressive 802/1,000 $1,373/year $420/year

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USAA: Highest customer satisfaction

USAA earned 896 out of 1,000 for customer satisfaction in Vermont, the highest in the state. While its policies are only available to military members and their families, USAA’s prices are the cheapest in Vermont if you qualify. Full coverage costs an average of $779 annually, and USAA’s minimum coverage is $205 annually.

Pros
  • USAA’s Safe Pilot program can help you save up to 30%
  • It has the best full and minimum coverage pricing in Vermont for those who qualify
Cons
  • USAA policies are only available to current and former military members
  • It does not have as many specialty policies as some competitors

Get a quote now | USAA review

GEICO: Best for drivers with poor credit

GEICO’s full coverage in Vermont costs an average of annually for good drivers. However, it may offer lower than average rates to those with poor credit (a low credit score is generally below 670) than some competitors. GEICO earned our list's second-highest customer satisfaction score and tied with State Farm for the second-lowest minimum car insurance.

Pros
  • GEICO has multiple policy options, including rental reimbursement and mechanical breakdown coverage
  • It had the second-lowest minimum insurance on our list
Cons
  • You may find better full coverage pricing with a competitor
  • GEICO does not have as many discount options as some competitors

Get a quote now | GEICO review

State Farm: Most affordable coverage

State Farm has the most affordable coverage available to everyone on our list. While it earned only the third-highest customer satisfaction score in the state, it is a good option for those looking for the best pricing from a nationally known company. It offers standard and some specialty policies, but you might need to look elsewhere for coverages like a vanishing deductible.

Pros
  • State Farm offers multiple discounts, including up to 25% for new drivers
  • It has multiple agents in Vermont
Cons
  • You may find more specialty policy options like gap insurance with a competitor
  • State Farm requires that you work with an agent to complete a quote and start a policy

Get a quote now | State Farm review

Nationwide: Best for coverage options

Nationwide has our list’s most expensive minimum auto insurance, but it offers many coverage options that may make it worthwhile for some. It has standard and specialty policies and rewards policyholder loyalty with perks like fender bender forgiveness, locksmith services, and pet insurance. 

Pros
  • Nationwide has extensive policy options, like total loss deductible waivers and vanishing deductibles
  • It offers perks to drivers, including key fob replacement
Cons
  • Nationwide is the most expensive minimum coverage carrier on our list
  • It earned below-average customer service scores

Get a quote now | Nationwide review

Allstate: Best for new cars

Allstate offers multiple policies to protect brand-new vehicles, including new vehicle replacement, guaranteed asset protection (gap) coverage, and vanishing deductibles for safe drivers. Despite its numerous options, Allstate is our list’s most expensive full coverage carrier, costing an annual average of $1,815. Its minimum coverage was the second most expensive, costing an average of $439 a year.

Pros
  • Allstate offers multiple policy add-ons, including accident forgiveness and vanishing deductible
  • It has many discount options, including for having multiple policies with Allstate
Cons
  • You can find cheaper full and minimum coverages with a competitor
  • It earned the second-lowest customer satisfaction score on our list

Get a quote now | Allstate review

Vermont auto insurance requirements

Like many states, Vermont law says drivers must have a minimum amount of insurance to drive legally. In Vermont, the minimum amounts are:

  • $25,000 in bodily injury liability for one person
  • $50,000 in bodily injury liability for two or more people in an accident
  • $10,000 in property damage liability

Drivers must also have uninsured and underinsured motorist coverage in the amounts of:

  • $50,000 for one person injured or killed in an accident
  • $100,000 for two or more people hurt or killed in an accident
  • $10,000 in property damage per claim

How to choose a car insurance provider in Vermont

Finding a new car insurance provider can take time, but keeping a few things in mind can help:

  • Compare quotes: Get pricing from at least three companies. Before signing up, double-check that the coverage options and limits are comparable to what you currently have and that you get every discount you qualify for.
  • Ask for reviews: Speak with friends and family about the insurance companies they use and if they recommend it, especially if you have just moved to the area. Review websites like the Better Business Bureau to see existing customers' issues and how the company resolves problems.
  • Check financial stability: Research a company’s ability to pay claims on a website like Standard & Poor’s or AM Best. Confirm that a company is licensed to do business in Vermont by checking the Vermont Office of Financial Regulation or the National Association of Insurance Commissioners (NAIC).

How much does car insurance cost in Vermont?

The average cost of car insurance in Vermont is $1,274 per year for full coverage insurance and $348 for the state’s minimum coverage.

Drivers in Winooski tend to pay an annual average of $1,286, the state's highest, but still similar to the state average. Newport drivers pay an average of $1,162 annually, the least in the state.

Vermont car insurance rates by city

Interestingly, there’s only a small difference between Vermont cities' highest and lowest annual car insurance costs. Vermont generally has a low crime rate and low population—factors that can influence what you pay for car insurance—so there isn’t much difference in insurance rates between cities.

For example, analytics website NeightborhoodScout found that Winooski drivers who pay the most for car insurance have a one-in-41 chance of being the victim of a property crime, including vehicle theft. Comparatively, drivers in Barre, which has the second cheapest coverage in the state, have a one-in-38 chance of experiencing the same types of crime.

City Avg. annual full-coverage premium
Winooski $1,286/year
Burlington $1,284/year
South Burlington$1,267/year
Rutland $1,235/year
Barre $1,210/year
Newport $1,162/year

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Vermont

What are the minimum car insurance coverage requirements in Vermont?

Vermont's minimum car insurance coverage requirements are $25,000 for one person and $50,000 for two or more people in bodily injury liability. Drivers must also have $10,000 in property damage liability.

Vermont drivers are also required to have uninsured/underinsured motorist coverage of $50,000 per person, $100,000 for two or more people hurt or killed in an accident and $10,000 for property damage per claim.

How much does car insurance cost in Vermont?

Car insurance in Vermont costs an annual average of $1,274 for full coverage and $348 for minimum coverage.

Which car insurance companies cover Vermont?

Many nationally known car insurance companies cover Vermont, including State Farm, USAA, Allstate, Nationwide, and GEICO. 

What is the cheapest car insurance company in Vermont?

The cheapest car insurance in Vermont is USAA, which costs an annual average of $779 for full coverage and $205 for minimum coverage. 

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.