Vermont car insurance costs about $902 per year for full coverage and $362 for minimum coverage, based on a 40-year-old driver with good credit and no driving violations. Rates vary depending on your unique profile.
Average Cost of Car Insurance in Vermont
Updated: August 19, 2025
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Key Takeaways
Vermont car insurance costs range from $362 to $6,018 per year on average, depending on your driver profile, coverage and location.
With rankings of second for minimum coverage and first for full coverage, Vermont offers some of the most budget-friendly car insurance rates in the nation.
Find the cheapest car insurance in Vermont by deciding on coverage beforehand, researching costs and companies, and comparing multiple quotes.
Average Car Insurance Cost In Vermont
| Full Coverage | $75 | $902 |
| Minimum Coverage | $30 | $362 |
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Average Vermont Car Insurance Cost By Category
Car insurance varies widely depending on your unique characteristics, location and car. Here are average rates for common categories of drivers so you can see how pricing can vary.
| Young Drivers | $75 | $189 |
| Adult Drivers | $29 | $72 |
| Senior Drivers | $41 | $95 |
| Drivers With An Accident | $41 | $102 |
| Drivers With A DUI | $63 | $172 |
| Drivers With A Speeding Ticket | $35 | $88 |
| Drivers With Bad Credit | $143 | $307 |
| Drivers With Low Income | $85 | $182 |
| Drivers With Newer Cars | $45 | $111 |
| Drivers With Old Cars | $27 | $66 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Find the best cheap provider for your profile in our comprehensive roundup guides:
Personalized Average Vermont Car Insurance Costs
To understand tailored average costs for your profile, use the filterable table below.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100 Full Cov. w/$1,000 Ded. | 326 | 3916 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64) and seniors (65+).
Average Vermont Car Insurance Cost By City
Your location in Vermont can significantly impact your car insurance costs. Full coverage rates range from $337 per year in Montpelier to $904 in West Pawlet. Below you can compare both full and minimum coverage rates for your city and all other residential areas in the state.
Data filtered by:Results filtered by:
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City:Adamant
| Full Coverage | $72 | $861 |
| Minimum Coverage | $29 | $351 |
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Is Vermont Car Insurance Expensive?
Vermont ranks as the most affordable state for car insurance in 2025, placing first for full coverage affordability and second for minimum coverage policies among the 50 states and Washington, D.C.
These statewide averages only tell part of the story, and affordability rankings for your city differ from the rest of the United States.
Why Is Car Insurance More Affordable In Vermont?
Why does Vermont insurance cost so little? Here are the main reasons:
Low uninsured motorist rate
Vermont has a relatively low uninsured motorist rate, which helps keep insurance costs manageable for law-abiding drivers. The state's low uninsured motorist rate is below the national average. Vermont requires mandatory uninsured motorist coverage to protect drivers from this risk.
Winter weather driving challenges
Weather patterns in Vermont, including storms and winter weather, can impact auto insurance rates. Much of the population lives in snowy regions, and winter driving increases the chance of accidents and car damage. This highlights the importance of having comprehensive car insurance coverage, though Vermont drivers generally adapt well to winter conditions.
Mandatory uninsured motorist coverage
Vermont requires uninsured motorist coverage with minimum limits of $50,000 per person and $100,000 per accident for bodily injury, plus $10,000 for property damage. Unlike many states, Vermont's uninsured/underinsured motorist bodily injury limits are higher than the state's liability limits. Vermont allows drivers to stack uninsured motorist coverage, combining coverage from multiple policies within your household for higher protection limits.
Strong financial responsibility laws
Anyone who operates an uninsured car may be issued a traffic citation resulting in fines, points against driving privileges and/or license suspension. Drivers caught without insurance face civil penalties of up to $500 and may be required to file Financial Responsibility Insurance (SR-22) with the Vermont DMV for a minimum of three years. These strict enforcement measures help maintain Vermont's low uninsured driver rate.
Rural state with low population density
Vermont is the most rural state in the country, with a large portion of its population living in rural areas and very low population density. With its small population, Vermont has relatively few motor car accidents per year, with a low percentage of accidents being fatal. This low population density translates to reduced collision risk, helping make Vermont's auto insurance rates among the most affordable nationwide.
Lowest insurance rates in the nation
Vermont has some of the lowest average car insurance rates in the country, with rates well below the national average for full coverage. Vermont has one of the lowest crime rates in the country, relatively few fatal crashes and a low number of licensed drivers. The state's rural character and low population density create an environment with fewer claims.
Teen driver costs
Teen drivers in Vermont face some of the higher insurance costs relative to adult drivers, though Vermont ranks as one of the cheaper states for teen driver insurance. The average annual rate for young drivers in Vermont is higher than for seniors, reflecting the increased risk associated with inexperienced drivers. Despite this age-based pricing, Vermont's overall low rates benefit all age groups.
At-fault insurance system
Vermont follows a traditional "fault-based" system when it comes to financial responsibility for car accident losses, meaning the person who was at fault for causing the accident is responsible for any resulting harm. Drivers can file claims directly with the at-fault driver's insurance company or pursue a personal injury lawsuit against the at-fault driver. Vermont operates under the "modified comparative negligence" system, where compensation is reduced by the percentage of fault assigned to you.
Credit score impact on rates
Vermont allows insurers to consider credit history in rating decisions, but it can't be the only factor they base a decision on. Drivers with excellent credit can save substantially on car insurance rates compared to drivers with poor credit. Drivers with poor credit in Vermont pay more for car insurance than those with good credit, making credit improvement a valuable strategy for reducing premiums.
How To Lower Car Insurance Costs In Vermont
Below we've created a step-by-step guide to lowering your car insurance costs.
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use different methods of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in Vermont: Bottom Line
Vermont car insurance costs are among the most affordable in the United States, making it important to take advantage of savings strategies. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.
Cost of Car Insurance in Vermont: FAQ
Below are answers to frequently asked questions about Vermont car insurance costs:
How much is Vermont car insurance per month?
Vermont car insurance costs $30 for minimum coverage and $75 for full coverage policies. Rates range from $27 to $307 monthly, depending on your unique driver profile and coverage choice.
What factors affect Vermont car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is Vermont car insurance affordable?
Vermont operates a traditional fault-based system with mandatory uninsured motorist coverage higher than liability limits and offers the nation's lowest insurance rates at $902 annually. The state has low uninsured driver rates and benefits from being the most rural state with low population density. Despite harsh winter conditions, Vermont's low crime rates and minimal urban areas contribute to affordable premiums.
How expensive is Vermont car insurance?
With rankings of second for minimum coverage affordability and first for full coverage, Vermont stands out as one of the more budget-friendly destinations for auto insurance across the U.S.
How We Determined Vermont Car Insurance Costs
We used the following profile and modifications of this profile to determine Vermont auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Nolo. "Vermont Car Insurance Requirements." Accessed August 29, 2025.