Vermont Car Insurance Quotes & Average Rates
Full coverage car insurance in Vermont is estimated at $1,151 a year, or $96 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $336 a year. Vermont is an at-fault state, and drivers must carry 25/50/10 liability limits. Below you will find estimated rates for 4 Vermont cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Vermont
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Vermont
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $875 | $73 | -24% | Military members and families only |
| Geico | $944 | $79 | -18% | Usually cheapest for clean records |
| State Farm | $1,013 | $84 | -12% | Strong for young and student drivers |
| Progressive | $1,093 | $91 | -5% | Competitive after a ticket or accident |
| Travelers | $1,116 | $93 | -3% | Good multi-policy discounts |
| Nationwide | $1,151 | $96 | 0% | Mid-market, wide availability |
| Allstate | $1,312 | $109 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $1,393 | $116 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Vermont. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Vermont car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $3,108 | $909 | $259 |
| 18 years old | $2,622 | $766 | $218 |
| 20 years old | $2,171 | $635 | $181 |
| 22 years old | $1,803 | $527 | $150 |
| 25 years old | $1,376 | $402 | $115 |
| 30 years old | $1,186 | $347 | $99 |
| 40 years old | $1,115 | $326 | $93 |
| 50 years old | $1,068 | $312 | $89 |
| 60 years old | $1,056 | $309 | $88 |
| 65 years old | $1,103 | $323 | $92 |
| 70 years old | $1,210 | $354 | $101 |
| 75 years old | $1,412 | $413 | $118 |
Estimated premiums by age in Vermont, clean record, sedan.
How violations change your Vermont premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,151 | — |
| 1 speeding ticket | $1,415 | +23% |
| 1 at-fault accident | $1,692 | +47% |
| DUI / DWI | $2,175 | +89% |
What a violation costs a 35-year-old in Vermont. Surcharges normally stay on the policy for three to five years.
A DUI in Vermont usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Vermont minimum insurance requirements
| Required coverage in Vermont | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $10,000 |
| Uninsured/underinsured 50/100/10 | Required |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Vermont Department of Insurance before you buy.
Coverage levels in Vermont
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $336 | $28 |
| Full coverage (100/300/100 + comp & collision) | $1,151 | $96 |
| Full coverage, high limits + low deductible | $1,369 | $114 |
Coverage level comparison for Vermont.
Car insurance rates in Vermont cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 4 Vermont cities we price.