Compare Cheap Car Insurance in Vermont

Cheap car insurance providers in Vermont include State Farm, USAA, Safeco.

On average, full-coverage car insurance in Vermont costs $149 monthly, while the national average is $193. However, what you'll actually pay depends on several factors, including your age, driving record, and location. The best way to find that out is to get quotes from multiple insurance companies.

Below, we break down the cheapest car insurance options in Vermont by coverage level, driver profile, and insurer.

Affordable full-coverage car insurance in Vermont

On average, full-coverage insurance in Vermont costs $149 per month, while the national average is $193. State Farm, USAA, Safeco are among the cheapest car insurance providers in the state.

	Average monthly full coverage cost
Vermont average	$149
National average	$193
State Farm	$43
USAA	$84
Safeco	$89
Progressive	$118

Affordable liability-only car insurance in Vermont

State Farm, USAA, Safeco are some of the most affordable liability car insurance providers in Vermont.

The average monthly premium for liability-only coverage in Vermont is $66 per month, while the national average is $102.

	Average monthly liability-only cost
Vermont average	$66
National average	$102
State Farm	$19
USAA	$39
Safeco	$50
Progressive	$55

Cheap Car Insurance in Vermont by age

Insurance premiums will vary significantly depending on age. Car insurance for teens will typically have the highest rates, with policies averaging $262 per month in Vermont due to their lack of driving experience.

As drivers move into their 20s, rates begin to decrease, with policies averaging $193 per month. Rates continue to decrease for drivers in their 30s and 40s, with costs around $145 and $124 per month, respectively.

However, premiums can rise again for drivers in their 60s and beyond. In Vermont, seniors pay an average of $117 per month in their 60s and $119 in their 70s.

This age-based fluctuation in premiums reflects the different risk levels associated with each age group, with younger drivers considered higher risk and older drivers sometimes facing higher rates due to factors like health and driving habits.

Age group	Average monthly full coverage cost	Average monthly liability-only cost
Teens	$262	$116
20s	$193	$85
30s	$145	$64
40s	$124	$55
50s	$125	$56
60s	$117	$52
70s	$119	$53

Cheap Car Insurance in Vermont for high-risk drivers

Car insurance premiums are typically higher if you have a moving violation or accident on your record. Here are the average costs in Vermont for drivers with an accident, speeding ticket, or DUI on their record, based on rates for car insurance if you have a bad driving record.

Violation	Average monthly full coverage cost	Average monthly liability-only cost
Accident	$226	$100
Speeding ticket	$230	$102
DUI	$256	$113

Cheap Car Insurance in Vermont by credit score

In Vermont, drivers with excellent credit pay an average of $130 per month. In contrast, drivers with poor credit face higher premiums, with rates starting at $175 per month.

The difference in rates reflects how credit scores impact insurance pricing, with poor credit typically resulting in higher premiums due to the perceived risk of non-payment.

Credit score	Average monthly cost of full coverage	Average monthly cost of liability-only
Excellent	$130	$58
Good	$145	$64
Average	$143	$63
Poor	$175	$77

FAQs

What is the minimum car insurance coverage required in Vermont?

In Vermont, drivers must carry at least $25,000 per person and $50,000 per accident for bodily injury liability, plus $10,000 for property damage liability. Additionally, uninsured and underinsured motorist coverage is required at the same minimums.

How much does car insurance cost in Vermont?

The average cost of full coverage car insurance in Vermont is approximately $1,213 per year, while minimum coverage averages around $406 annually. Rates can vary based on factors like driving history, age, and credit score.

Does Vermont require SR-22 insurance?

Yes, Vermont requires an SR-22 form for drivers convicted of certain violations, such as DUIs or driving without insurance. The SR-22 serves as proof of financial responsibility and is typically required for three years.

Is Vermont a no-fault state for car insurance?

No, Vermont is an at-fault state. This means the driver who is found to be responsible for an accident is liable for the damages and injuries resulting from the collision.

Can I get car insurance in Vermont with a poor credit score?

Yes, you can obtain car insurance in Vermont with a poor credit score, but your premiums may be higher. Insurance companies often consider credit history when determining rates, so it's beneficial to shop around for the best options.

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Bottom line

While these may be the cheapest companies in Vermont, that doesn't mean they're the cheapest company for your individual car insurance needs. The best way to find the right company for you is to get quotes from multiple insurance providers and compare them based on price and service.

Data throughout provided by Insurify.

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