State Farm ranks as Vermont's best car insurance company, earning a MoneyGeek score of 4.34 out of 5 for its strong mix of affordable rates, customer service and coverage options. Since insurance needs vary by driver, we also recommend considering Co-operative, Union Mutual, Vermont Mutual and Progressive.
Best Car Insurance in Vermont
Updated: November 2, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Vermont is State Farm, ranking first in the state for its balanced mix of coverage and service.
Co-operative offers the best coverage for senior drivers in Vermont, while Union Mutual is the top choice for low-income drivers and Auto-Owners is best for young drivers and traffic violations.
To find the best insurance rates in Vermont, decide on your coverage needs first, research provider options and compare plenty of quotes before making your choice.
Best Car Insurance Companies in Vermont
| State Farm | 4.34 | $39 | 3 | 6 |
| Co-operative Insurance | 4.30 | $34 | 9 | 8 |
| Union Mutual Insurance | 4.25 | $37 | 7 | 7 |
| Vermont Mutual Insurance | 4.04 | $46 | 4 | 7 |
| Progressive | 4.02 | $57 | 2 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Vermont by Driver Profile
Auto-Owners offers the cheapest rates in four out of ten driver categories in Vermont, including young drivers and those with DUIs. State Farm follows with three categories, while Union Mutual and Co-operative lead in the remaining categories.
| Young Drivers | Auto-Owners | 4 | 1 | 5 |
| Adult Drivers | State Farm | 3 | 3 | 6 |
| Senior Drivers | Co-operative | 1 | 9 | 8 |
| Drivers With an Accident | Union Mutual | 1 | 7 | 7 |
| Drivers With a DUI | Auto-Owners | 5 | 1 | 5 |
| Drivers With a Speeding Ticket | State Farm | 3 | 3 | 6 |
| Drivers With Bad Credit | Auto-Owners | 6 | 1 | 5 |
| Drivers With Low Income | Union Mutual | 2 | 7 | 7 |
| Drivers With Newer Cars | Auto-Owners | 8 | 1 | 5 |
| Drivers With Old Cars | State Farm | 3 | 3 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Vermont Car Insurance Recommendations
Our general recommendations might not match your specific situation. Compare these top five Vermont insurance providers to find coverage that fits your personal profile.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | 3.36 | $64 | 3 | 6 |
| Union Mutual Insurance | 3.28 | $53 | 7 | 7 |
| Farmers | 3.17 | $118 | 10 | 1 |
| Vermont Mutual Insurance | 3.14 | $62 | 4 | 7 |
| Progressive | 3.13 | $143 | 2 | 2 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Vermont Car Insurance Reviews
See detailed service comparisons for our top-rated insurance providers below.
State Farm
Best Overall Car Insurance in Vermont
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
3.9/5Customer Experience
3.3/5Coverage Points
Average Monthly Full Coverage Cost
$56For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$22For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Drive Safe & Save Program
Co-Operative Insurance
Best Cheap Overall in Vermont
MoneyGeek Rating
4.3/ 5
5/5Affordability
3.5/5Customer Experience
2.5/5Coverage Points
Average Monthly Full Coverage Cost
$52For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$16For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
3.8/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Farm Equipment Protection
How to Find the Best Car Insurance in Vermont
Finding the right car insurance in Vermont can be challenging. We've created this guide to help you choose coverage that fits your needs.
- 1Decide on Coverage Needs Before You Buy
Find out what coverage you need. Consider your driving habits, location and finances when deciding the level of auto insurance you need while meeting Vermont required minimums.
- 2Research Average Costs and Discounts
To make informed decisions, research average car insurance costs in Vermont. Consider home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can also lead to additional savings.
- 3Evaluate Provider Reputation and Coverage Options
Review company coverage options and add-ons, and look at customer reviews.
- 4Explore Alternative Coverage Options
Consider specialized options like non-owner car insurance or pay-per-mile policies if they better suit your needs.
- 5Compare Multiple Quotes
Shopping around helps you find the cheapest option possible online or from agents.
- 6Review Coverage Annually
Review your coverage each year and shop for new quotes to find the best deal.
Best Vermont Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. State Farm is the top-rated company overall in Vermont, while Co-operative and Union Mutual are also good options for drivers in the state.
Best Auto Insurance in Vermont: FAQ
Your ideal car insurance depends on your specific needs, so here are answers to common questions that will help you pick the right coverage.
What is the best car insurance company in Vermont?
State Farm ranks as the best car insurance company in Vermont, earning a MoneyGeek score of 4.34 out of 5 and offering full coverage policies for $56 per month.
What is the best car insurance company for minimum coverage in Vermont?
Co-operative offers the lowest-priced minimum coverage in Vermont, with average rates starting at $189 per year.
What is the best car insurance in Vermont for young drivers?
Auto-Owners provides the best insurance for young adults in Vermont, combining strong customer service ratings with competitive rates and comprehensive coverage options.
What is the best car insurance for Vermont drivers who value customer service?
Progressive leads Vermont in customer experience with a 4.04 out of 5. The company excels in their purchase experience, claims handling, digital tools and responsive agent support.
What is the best car insurance in Vermont if you have driving offenses?
Auto-Owners is best for Vermont drivers with violations, offering monthly rates of $61 for minimum coverage and $141 for full coverage policies.
How We Rated the Best Car Insurance in Vermont
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Vermont. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Vermont. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Vermont-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.