Average Cost of Car Insurance in Vermont for 2026

Car insurance is affordable in Vermont compared with other states. Your premium depends on your age, where you live and your driving history, alongside coverage levels, deductible amounts and which insurer you choose.

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• State Rates vs. National Average
• Is Vermont Car Insurance Expensive?
• Cheapest Companies in Vermont
• Cost by City
• Cost by Age and Gender
• Cost by Driving Record
• Cost by Credit Score
• Cost by Coverage Level
• Cost by Vehicle

Vermont drivers pay car insurance rates below the national average for both coverage levels. Full coverage car insurance costs $75 per month, while minimum coverage runs $30 per month in Vermont.

Vermont drivers save $591 per year compared to the national average for full coverage and $364 per year for minimum coverage. Vermont ranks first out of all 50 states and Washington, D.C., for full coverage affordability.

No, car insurance is not expensive in Vermont, which ranks first out of all 50 states and Washington, D.C., for affordability. Vermont's low rates are due to its rural character, harsh winter weather that limits driving during peak accident months.

The state's low population density means fewer claims per square mile, while Burlington, Vermont's largest city, still maintains relatively modest urban insurance costs compared to major metropolitan areas in other states. Even residents of Burlington benefit from the statewide factors that keep premiums low  (see rates by city).

Vermont offers the cheapest car insurance in the nation at $75 per month for full coverage, while Florida drivers pay the most at $243 per month. Vermont ranks above Maine, which comes in as the second most affordable state for car insurance.

Co-operative Insurance offers the most affordable car insurance in Vermont, with minimum coverage starting at $16 per month and full coverage at $52 per month ($619 per year). This represents savings of 31% less than the state average, making it the clear winner for drivers. Union Mutual Insurance and State Farm round out the top three most affordable options.

Comparing multiple insurers is the most effective way to get lower premiums for your situation. Each company uses its own formula to calculate rates, which means identical driver profiles can receive different quotes across different insurers.

Read more: Cheapest and Best Car Insurance Companies in Vermont

Your location within Vermont affects how much you'll pay for car insurance among the state's largest cities. Burlington and Rutland tie as the most expensive areas at $73 per month for full coverage, while Montpelier and Barre offer the most affordable rates at $69 per month each.

Montpelier's small population of about 8,000 residents and limited traffic congestion help keep auto insurance claims lower than other Vermont cities. Burlington has higher rates due to its status as the state's largest city, with University of Vermont students and dense downtown traffic creating more accident risk. The gap between the most and least expensive of Vermont's 10 most populous cities is $4 per month, or $48 per year.

At 16, male drivers in Vermont cost $3,646 per year on a family policy compared to $3,291 for female drivers. Both figures are roughly three times the base adult rate, reflecting the higher risk insurers assign to young drivers. Age and gender affect car insurance rates most during the teen years. Rates fall steadily through the early 20s and stabilize around age 25.

The table shows average annual premiums when a young driver joins a household policy with two 50-year-old parents in Vermont. Use the dropdown to toggle between male and female rates for each age group. A 16-year-old male on an individual policy pays $4,147 per year, which is $501 more than the $3,646 family policy rate for the same driver. This savings makes family coverage the more affordable option for most Vermont households with teen drivers.

Full coverage car insurance in Vermont ranges from $81 per month with a clean record to $189 per month after a DUI, a 133% increase that adds $108 to monthly premiums. A texting while driving violation alone pushes rates up by 43%, making even minor infractions costly for Vermont drivers.

Insurance companies in Vermont evaluate your driving violations to determine how likely you are to file future claims. Drivers with tickets or accidents on their record have higher car insurance rates because insurers price that added risk into their premiums.

Drivers with bad credit pay $307 per month for full coverage in Vermont, more than four times the $72 that drivers with good credit pay. Vermont allows insurers to use credit-based insurance scores when setting premiums. This credit-based pricing creates a monthly difference of $235 between bad and good credit drivers for full coverage.

Vermont drivers with poor credit scores can reduce their car insurance premiums by working to improve their credit rating over time.

Upgrading from minimum liability to high-limit full coverage in Vermont adds $51 per month to your premium. Basic state minimum liability costs $33 per month, while a comprehensive 300/500/300 policy with collision coverage runs $84 per month.

A Tesla Model Y costs $150 per month to insure in Vermont compared to $82 for a Ford F-150, creating an 83% difference between these two popular models. Vehicle make and model affect your insurance premium, with luxury and electric cars costing more than trucks and economy vehicles. These models represent some of the best-selling vehicles nationally by sales volume. Your rate will depend on your vehicle and its safety features, repair costs and theft rates.

Luxury electric vehicles and trucks with specialized parts have higher repair costs, making their insurance premiums more expensive than conventional sedans. A Tesla Model Y costs $150 per month for full coverage compared to $82 for a Ford F-150, creating a $68 monthly difference. Drivers prioritizing affordable insurance should consider a Honda Civic or Toyota Camry, which save roughly $60 per month compared to a Model Y.

Car insurance rates in Vermont can differ between rural areas and cities like Burlington, often surprising drivers who move within the state. These are the questions we hear most from residents trying to understand their premiums.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in Vermont.

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections covering costs by age and driving record use rates for those driver profiles, while keeping all other factors constant.

Minimum coverage represents a state's minimum liability coverage requirements. Full coverage includes a policy with 100/300/100 liability limits plus a $1,000 deductible for both comprehensive and collision coverage.