Average Cost of Car Insurance in Vermont for 2026

The average cost of car insurance in Vermont is $75 per month for full coverage and $30 per month for minimum coverage, a $45 difference between the two.

Your actual rate will vary based on your age, driving record, ZIP code and the company you choose.

Car insurance in Vermont costs between $33 per month for minimum liability only and $116 per month for minimum liability with full comprehensive and collision at a $0 deductible, depending on the coverage level you choose. Standard full coverage, with 100/300/100 liability limits and a $1,000 deductible, runs $81 per month.

Comprehensive coverage carries real weight here. Vermont drivers face 1 in 108 odds of an animal collision, the 21st-highest rate in the country, according to State Farm's 2024-2025 data. The state's two-lane roads cut straight through the forest habitat its deer depend on, which explains the elevated risk. Adding comprehensive and collision to minimum liability costs $10 per month, and the total moves from $33 to $43. That's cheap protection against a risk built into driving in Vermont.

Dropping from a $1,000 deductible to $0 on a minimum liability policy adds $73 per month, from $43 to $116. Stepping up from minimum liability to 100/300/100 limits costs only $38 more, from $43 to $81. Vermont is an at-fault state. The extra $38 for higher liability limits protects you from a lawsuit if you cause a serious crash. The $73 for a lower deductible only reduces what you pay out of pocket on your own vehicle after a claim. The liability increase buys more protection per dollar.

Car insurance in Vermont costs $69 to $73 per month for full coverage depending on your city, a difference of just $4 per month between the cheapest and most expensive of the state's ten largest cities. Montpelier and Barre are the cheapest at $69 per month. Burlington and Rutland are the priciest at $73. Your city barely affects your rate. That $4 difference is twelve times smaller than the $48 monthly gap between minimum and full coverage.

Burlington's higher rate comes from its density as the state's largest city, where traffic and claims run higher than the rural baseline, adding no more than $4 per month to the bill. If your Burlington or Rutland quote for standard full coverage on a clean record runs above $73 per month, the company is the variable worth addressing, not your ZIP code.

At 16, male drivers in Vermont add $3,646 per year to a family policy, 3.8 times the $971 base adult rate. Female drivers add $3,291, or 3.4 times, reflecting the higher risk insurers assign to teens. Car insurance rates by age and gender follow this pattern most strongly during the teen years, then fall steadily through the early 20s and stabilize around 25.

A 16-year-old male costs $501 more on a standalone individual policy, $4,147 per year versus $3,646 added to a family policy, the cheaper route for most Vermont households. The table below reflects a teen added to a policy with two 50-year-old parents, and the dropdown toggles between male and female rates by age.

A DUI costs Vermont drivers $189 per month for full coverage, $108 more than a clean record and $1,296 more per year. Even an accident that isn't your fault adds to the bill. Full coverage climbs $6 per month, from $81 to $87, for a clean-record driver hit by someone else. That's $73 more per year for a crash they didn't cause. An at-fault accident raises it further, to $108 per month, still nowhere close to what a DUI costs.

Texting while driving costs more than an at-fault accident in Vermont, $116 per month versus $108. Standard violations affect your insurance rate for about three years. A DUI surcharge runs three to five years, and Vermont requires SR-22 coverage for three years starting from license reinstatement, not the date of the DUI itself. Get new quotes at the three-year mark since insurers won't lower your rate automatically at renewal.

Drivers with bad credit pay $307 per month for full coverage in Vermont, $235 more per month than the $72 that good-credit drivers pay. That $235 monthly gap equals $2,820 per year, 7.8 times the total annual cost of Vermont's minimum coverage ($362). Vermont permits insurers to use credit-based insurance scores when setting premiums, so two drivers with the same driving record can pay $235 apart per month based on credit alone.

Improving your credit score is the only factor here that lowers your premium over time without changing your coverage. Once your credit improves, get new quotes to make sure you're getting the lower rate.

Your car insurance cost in Vermont will vary widely by vehicle. A Tesla Model Y costs $150 per month for full coverage, more than any other model here. A Ford F-150 costs $82, the least. That $68 monthly gap adds up to $816 per year. The Model Y costs more because EV parts and repairs cost more than they do for a gas-powered truck like the F-150.

The Toyota Prius costs $97 per month, $11 more than a Honda Civic at $86. It's $53 less than the Model Y, with better fuel economy than a full EV and none of the higher insurance cost that comes with one. The Model Y also costs more to insure because Vermont has few repair shops that service Teslas. Fewer shops mean higher repair costs when something goes wrong.

Your credit score and your driving record affect Vermont rates more than anything else. Poor credit adds $235 per month over good credit, and a DUI adds $108 per month over a clean record. Vermont is an at-fault state, so if you cause a crash, your liability coverage pays the other driver's damages, and you could face a lawsuit if your limits aren't high enough.

Start by getting quotes from at least three companies for the exact same coverage level and deductible. Vermont's rates make this step worth the effort. Co-operative Insurance charges $52 per month for full coverage, the least of any company here. GEICO charges $80, the most. That's a $28 monthly spread for the identical driver profile, based on the company alone.

Next, weigh price against service before you switch. A cheap rate matters less if the company is slow to pay or difficult to deal with after a crash. The best car insurance companies in Vermont rankings factor in claims performance alongside rate, so you can compare both at once. Among the cheapest options, Co-operative Insurance at $52 per month and State Farm at $56 stand out, and cheapest car insurance in Vermont data shows Co-operative holds that position across most driver profiles.

Car insurance rates in Vermont differ between rural areas and cities like Burlington. Drivers who move within the state are often surprised by the change. 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. All other factors stay the same.

Minimum coverage represents Vermont'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.