Cheapest Car Insurance In Vermont (2024)
The cheapest car insurance in Vermont comes from USAA at $19 per month on average.
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As car insurance prices go up, it’s smart for Vermont drivers to compare different policies to find the cheapest coverage. Our reviews team has researched the best car insurance companies nationwide. We carefully examined every provider’s reputation, how satisfied their customers were, what coverage options they offered, and the average cost of their premiums.
In this article, we will discuss different ways to save money on insurance and where you can find the most affordable car insurance in Vermont based on your driving history.
Key Points
- USAA is the cheapest car insurance company in Vermont overall, with an average rate of $19 per month for minimum coverage and $98 per month for full coverage.
- Union Mutual Fire and State Farm also offer affordable car insurance rates for many driver profiles.
- If you are under 25 or have traffic violations, your car insurance rates will be higher than average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Different car insurance companies have varying ways of evaluating driver profiles, which means that the provider that is cheapest for one driver may not be the most affordable for you. To illustrate this, here is a snapshot of the least expensive auto insurance providers and the rates they offer for different types of drivers in Vermont.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | USAA | $19 | $234 |
| Full coverage | Union Mutual Fire | $72 | $869 |
| 16-year-olds | Allstate | $72 | $868 |
| 45-year-olds | USAA | $16 | $197 |
| High-risk drivers | State Farm | $25 | $305 |
| After a speeding ticket | USAA | $22 | $267 |
| After an accident | Union Mutual Fire | $24 | $284 |
| After a DUI | State Farm | $25 | $296 |
| Poor credit drivers | Allstate | $28 | $332 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Vermont?
In general, we discovered that USAA has the least expensive car insurance in Vermont for the majority of different kinds of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Vermont.
These rates apply to Vermont drivers of various ages, locations, and driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Vermont: USAA
Drivers looking for the most affordable coverage that just meets Vermont state minimum requirements may find it at USAA for about $19 per month or $234 per year on average.
| Cheapest Car Insurance in Vermont | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $19 | $234 |
| Union Mutual Fire | $20 | $237 |
| State Farm | $23 | $278 |
| Allstate | $28 | $332 |
| GEICO | $31 | $369 |
| Auto-Owners | $32 | $378 |
| Vermont Mutual | $36 | $433 |
| Progressive | $38 | $454 |
| Patrons Co-op Fire | $39 | $467 |
| Nationwide | $44 | $524 |
Cheapest Full Coverage In Vermont: Union Mutual Fire
If you want the best coverage at the best price, then Union Mutual Fire is the top choice. The provider offers full-coverage insurance for an average of $72 per month.
Full-coverage insurance policies in Vermont generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Vermont | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Union Mutual Fire | $72 | $869 |
| USAA | $98 | $1,175 |
| State Farm | $99 | $1,187 |
| Nationwide | $101 | $1,215 |
| GEICO | $105 | $1,255 |
| Progressive | $106 | $1,273 |
| Auto-Owners | $107 | $1,280 |
| Vermont Mutual | $154 | $1,853 |
| Patrons Co-op Fire | $177 | $2,119 |
| Allstate | $186 | $2,237 |
Cheapest Car Insurance In Vermont: Age
Below, you’ll find average insurance costs for Vermont drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. People who are 30 to 55 years old usually have the lowest car insurance costs because they have more driving experience. Additionally, they are statistically less likely to be involved in car accidents compared to younger drivers.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $106 | $424 |
| 25 | $34 | $134 |
| 35 | $28 | $107 |
| 45 | $27 | $102 |
| 55 | $24 | $90 |
Cheapest Vermont Car Insurance: Young Drivers
As mentioned, drivers in their teens and early 20s typically pay the most expensive car insurance rates. This is mainly because these drivers have less practice driving and are more likely to break traffic rules and get into car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Vermont Car Insurance For 16-Year-Olds: Allstate
If you’re a teen driver or the parent of one, Allstate may be your best bet for finding the most affordable car insurance in Vermont.
The company’s cheapest average rates for 16-year-old drivers are $72 per month or $868 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $224 per month or $2,689 per year from Auto-Owners.
| Cheapest Car Insurance in Vermont | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Allstate | $72 | $603 |
| Auto-Owners | $73 | $224 |
| USAA | $85 | $418 |
| State Farm | $88 | $347 |
| Vermont Mutual | $91 | $408 |
| GEICO | $107 | $395 |
| Union Mutual Fire | $108 | $451 |
| Patrons Co-op Fire | $132 | $631 |
| Nationwide | $143 | $336 |
| Progressive | $159 | $430 |
Cheapest Vermont Car Insurance For 25-Year-Olds: USAA
Car insurance rates for young drivers in their 20s drop a lot compared to what teenage drivers pay. However, the rates can still be high for this age group depending on the insurance company you choose.
USAA provides the cheapest car insurance costs on average at $22 per month or $259 per year for minimum coverage. Union Mutual Fire costs $83 per month or $992 per year for full coverage.
| Cheapest Car Insurance in Vermont | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $22 | $110 |
| Union Mutual Fire | $22 | $83 |
| State Farm | $25 | $112 |
| Allstate | $29 | $199 |
| GEICO | $34 | $117 |
| Auto-Owners | $36 | $118 |
| Progressive | $40 | $113 |
| Vermont Mutual | $42 | $181 |
| Patrons Co-op Fire | $44 | $200 |
| Nationwide | $47 | $109 |
Cheapest Vermont Car Insurance: Adult Drivers
People who are in their forties generally get charged the least amount of money for car insurance. You can compare average rates of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Vermont Car Insurance For 35-Year-Olds: USAA
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from USAA. The company offers average minimum-coverage costs of $17 per month or $208 per year. For full coverage, Union Mutual Fire’s rates average $62 monthly or $747 annually.
| Cheapest Car Insurance in Vermont | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $17 | $86 |
| Union Mutual Fire | $17 | $62 |
| State Farm | $21 | $85 |
| Allstate | $26 | $174 |
| Auto-Owners | $27 | $96 |
| GEICO | $27 | $92 |
| Vermont Mutual | $30 | $128 |
| Patrons Co-op Fire | $34 | $153 |
| Progressive | $35 | $99 |
| Nationwide | $40 | $93 |
Cheapest Vermont Car Insurance For 45-Year-Olds: USAA
Forty-five-year-old drivers may find the most affordable minimum coverage from USAA, with average rates of $16 per month or $197 per year. The cheapest full coverage comes from Union Mutual Fire at $62 per month or $747 per year.
| Cheapest Car Insurance in Vermont | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $16 | $79 |
| Union Mutual Fire | $17 | $62 |
| State Farm | $21 | $84 |
| Auto-Owners | $24 | $89 |
| Allstate | $26 | $174 |
| GEICO | $27 | $92 |
| Vermont Mutual | $27 | $115 |
| Patrons Co-op Fire | $33 | $146 |
| Progressive | $33 | $88 |
| Nationwide | $39 | $89 |
Cheapest Vermont Car Insurance For 55-Year-Olds: Union Mutual Fire
If you’re in your 50s, the best car insurance rates in Vermont are usually offered by Union Mutual Fire. The insurer’s average premiums are $15 monthly or $182 annually for minimum coverage. The cheapest full coverage option is from Union Mutual Fire, costing $62 monthly or $747 annually
| Cheapest Car Insurance in Vermont | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Union Mutual Fire | $15 | $52 |
| USAA | $16 | $75 |
| State Farm | $21 | $80 |
| GEICO | $24 | $76 |
| Auto-Owners | $24 | $87 |
| Allstate | $24 | $147 |
| Vermont Mutual | $25 | $103 |
| Patrons Co-op Fire | $28 | $123 |
| Progressive | $30 | $77 |
| Nationwide | $35 | $80 |
Cheapest Car Insurance In Vermont: High-Risk Drivers
Besides the type of coverage and your age, how safely you drive greatly affects how much you will need to pay for car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including fines for speeding, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk pay car insurance rates that are higher than the average because they have multiple violations on their driving records. On average, Vermont motorists who are deemed high-risk may find the most affordable rates from State Farm for minimum coverage or State Farm for full coverage.
| Cheapest Car Insurance in Vermont | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $25 | $108 |
| USAA | $30 | $151 |
| Allstate | $35 | $242 |
| Union Mutual Fire | $40 | $158 |
| Auto-Owners | $44 | $155 |
| Progressive | $52 | $140 |
| GEICO | $54 | $188 |
| Patrons Co-op Fire | $59 | $276 |
| Nationwide | $63 | $151 |
| Vermont Mutual | $64 | $281 |
Cheapest Vermont Car Insurance For Drivers With A Speeding Ticket: USAA
Drivers with a speeding citation on their record can generally find the most affordable coverage from USAA, with average rates of $22 per month or $267 per year for minimum coverage and $113 per month or $1,352 per year for full coverage.
| Cheapest Car Insurance in Vermont | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $22 | $113 |
| State Farm | $25 | $105 |
| Union Mutual Fire | $28 | $102 |
| Allstate | $31 | $214 |
| GEICO | $36 | $122 |
| Auto-Owners | $36 | $123 |
| Patrons Co-op Fire | $39 | $177 |
| Vermont Mutual | $44 | $192 |
| Progressive | $49 | $134 |
| Nationwide | $51 | $121 |
Cheapest Vermont Car Insurance For Drivers With An At-Fault Accident: Union Mutual Fire
Getting into a car accident in Vermont may also make your car insurance rates go up. Union Mutual Fire tends to offer the most affordable rates on average at about $24 per month or $284 per year for minimum coverage and $90 per month or $90 per year for full coverage.
| Cheapest Car Insurance in Vermont | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Union Mutual Fire | $24 | $90 |
| State Farm | $27 | $114 |
| USAA | $28 | $137 |
| Allstate | $39 | $256 |
| Vermont Mutual | $44 | $192 |
| Auto-Owners | $46 | $162 |
| GEICO | $49 | $174 |
| Patrons Co-op Fire | $52 | $243 |
| Nationwide | $62 | $147 |
| Progressive | $63 | $170 |
Cheapest Vermont Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Vermont from State Farm for $25 per month or $296 per year on average. They also have rates of $105 monthly or $1,262 annually for full coverage.
| Cheapest Car Insurance in Vermont | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $25 | $105 |
| Allstate | $37 | $254 |
| USAA | $40 | $203 |
| Progressive | $43 | $116 |
| Auto-Owners | $52 | $180 |
| Union Mutual Fire | $69 | $281 |
| Nationwide | $77 | $185 |
| GEICO | $77 | $269 |
| Patrons Co-op Fire | $86 | $407 |
| Vermont Mutual | $102 | $459 |
Cheapest Vermont Car Insurance For Drivers With Poor Credit: Allstate
People who have bad credit have to pay more money for their car insurance. Those who don’t have the best credit history may want to check out Allstate, which has an average minimum-coverage rate of $37 per month or $446 per year and an average full-coverage rate of $277 per month or $3,319 per year.
| Cheapest Car Insurance in Vermont | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Allstate | $37 | $277 |
| Union Mutual Fire | $38 | $140 |
| USAA | $38 | $193 |
| GEICO | $41 | $139 |
| Auto-Owners | $57 | $189 |
| Nationwide | $59 | $138 |
| Progressive | $64 | $185 |
| State Farm | $78 | $352 |
| Patrons Co-op Fire | $79 | $354 |
| Vermont Mutual | $83 | $370 |
Average Cost Of Car Insurance In 10 Vermont Cities
Another thing that affects how much you pay for car insurance in Vermont is where you live. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger numbers of people living in an area
- An increasing number of vehicles are present on the streets.
- More car accidents happening at a greater frequency.
- More instances of traffic violations.
- More incidents of car theft and auto vandalism
- Extreme weather conditions
Certain factors that increase the chances of risks are more commonly experienced by people who own cars in bigger cities. Because of this, drivers in busy cities have to pay the highest average price for car insurance with minimum coverage. On the other hand, drivers in rural areas with lower crime rates and smaller populations are more likely to have access to cheaper insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Burlington | $31.80 | $108.35 |
| Rutland | $30.50 | $110.98 |
| Essex Junction | $32.37 | $109.77 |
| Barre | $28.61 | $108.59 |
| Colchester | $31.05 | $108.70 |
| Bennington | $29.86 | $115.42 |
| St. Albans | $28.90 | $113.42 |
| Brattleboro | $28.45 | $112.09 |
| Springfield | $28.17 | $112.02 |
| Montpelier | $28.57 | $108.65 |
Top 5 Car Insurance Companies In Vermont
Besides the price, we have examined more than 40 insurance companies to determine the best five insurers for people living in Vermont. We considered their coverage, service, and reliability in our analysis. Based on our research, we found USAA to be the best provider for most drivers in Vermont. These are the ratings we gave to our top recommendations.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5 | 4.5 |
| #2 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #3 Progressive | 4.5 | 4 | 4.8 | 4.8 | 4.1 |
| #4 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
| #5 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Vermont
You can reduce the amount of money you pay for car insurance in Vermont in a few different ways. These include:
- Opting for minimum coverage: If you just get the bare minimum car coverage your state requires, you’ll pay the lowest price for insurance.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from different companies can help you figure out which provider will give you the best offer.
Many insurance companies offer usage-based insurance programs as a way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you might get a big discount. However, certain programs might increase your rates if you drive recklessly.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Vermont Require For Car Insurance?
Drivers in Vermont must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $10,000 property damage liability per accident
- $100,000 underinsured/uninsured motorist bodily injury coverage per accident
- $50,000 underinsured/uninsured motorist bodily injury coverage per person
- $10,000 underinsured/uninsured motorist property damage coverage per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Vermont
When it comes to both minimum and full coverage, USAA is the best and cheapest car insurance company for most drivers in Vermont. While the above costs can give you an idea of what you’d pay for car insurance in Vermont, getting a personalized quote will help give you a more accurate picture of what you’ll pay.
Almost all companies offer online quote tools that are quick and don’t cost anything. Alternatively, you can call an insurance agent or representative at the company. Once you have gathered car insurance quotes from three or more providers, examine them closely to determine which one suits you best.
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Best Cheap Car Insurance In Vermont: FAQ
Here are some frequently asked questions about car insurance in Vermont:
How much is car insurance per month in Vermont?
Is Vermont car insurance cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.