Best Car Insurance in Vermont

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Updated: December 29, 2025

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Best Car Insurance in Vermont: Fast Facts

MoneyGeek evaluated all auto insurance providers in Vermont, scoring each company on affordability, customer service quality and coverage variety throughout the state's residential areas. These companies offer the best car insurance in Vermont. (Click each category to learn more about the winners):

Best by Rating:

Best by Driver and Coverage:

To ensure you get a good deal on Vermont auto insurance, we also provided answers to common questions about the topic (Click to learn more).

Best Car Insurance Companies in Vermont

State Farm offers the best cheap car insurance in Vermont for drivers with DUIs or speeding tickets. Auto-Owners provides excellent coverage for young drivers and those with bad credit. Union offers the most affordable rates for drivers with violations.

State Farm4.33$3936
Co-operative Insurance4.3$3498
Union Mutual Insurance4.25$3777
Vermont Mutual Insurance4.03$4647
Progressive4.01$5722
Geico3.77$5656

How We Chose The Best Car Insurance Companies in Vermont

Compare Vermont Car Insurance Rates From Top Companies

Enter your ZIP code to quickly compare quotes with top car insurance companies in Vermont.

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LEARN MORE ABOUT THE BEST CHEAP AUTO INSURANCE IN VERMONT

Get more in-depth information about the best vehicle insurance in Vermont for your profile:

State Farm

State Farm: Best Cheap Vermont Car Insurance Company Overall

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  • Top-ranked overall provider with competitive pricing

  • Extensive local agent network

  • 24/7 advanced mobile claims processing

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  • Higher premiums

  • No gap insurance coverage

  • Limited coverage options

COMPANY HIGHLIGHTS

State Farm leads Vermont car insurance for overall value and ranks best for drivers with DUIs or speeding tickets. Adult drivers pay $21 monthly for minimum coverage, while those with speeding tickets pay $23 monthly. Drivers with older vehicles pay $18 monthly. The $469 annual average premium delivers strong value across driver categories.

Beyond standard liability, collision and comprehensive insurance, State Farm provides gap insurance for financed vehicles, rental car reimbursement, roadside assistance and custom accessory coverage. Vermont drivers get coverage for regional weather risks with flexible options matching different budgets.

State Farm scores 3.9 out of 5 for customer experience, ranking third in Vermont. Local agents serve rural and urban areas throughout the state. The mobile app allows you to report claims and manage policies 24/7. Wait times happen occasionally, but customers appreciate the knowledgeable support and efficient claims handling.

Read more: State Farm Car Insurance Review

Auto-Owners

Auto-Owners: Best Vermont Car Insurance for Young Drivers and Customer Service

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  • 100+ years serving Vermont drivers

  • Quick claims processing and strong customer support

  • Coverage for Vermont weather and road conditions

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  • Higher rates for new drivers

  • Occasional service delays and communication issues

  • No online quotes or digital tools

COMPANY HIGHLIGHTS

Auto-Owners ranks best for young drivers and those with bad credit in Vermont. Young drivers pay $115 monthly ($1,382 annually), while drivers with bad credit pay $236 monthly ($2,835 annually). Drivers with newer cars pay $73 monthly ($876 annually).

Auto-Owners offers comprehensive coverage beyond standard liability, collision and comprehensive policies. Specialized coverage includes pet injury protection, custom parts and equipment coverage, and lease or loan gap coverage. Auto-Owners provides roadside assistance and rental car coverage for repairs. Vermont drivers access protection against severe weather damage and theft, with policies customizable to individual needs.

Auto-Owners scores 5 out of 5 for customer experience. Policyholders access 24/7 support and handle claims and payments through the mobile app. The 3.6 out of 5.0 coverage score reflects the company's comprehensive options for Vermont drivers.

Read more: Auto-Owners Car Insurance Review

Union Mutual Insurance

Union: Best Vermont Car Insurance for Seniors, High-Risk Drivers, Bad Credit and Coverage Options

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  • Lowest rates among Vermont insurers

  • 140+ years insuring Vermont drivers

  • Local agents handle claims efficiently

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  • Fewer coverage options than larger insurers

  • Claims must be filed by phone or in person

  • Fewer discounts than national companies

COMPANY HIGHLIGHTS

Union ranks best for cheap coverage for drivers with violations in Vermont. Drivers with accidents pay $17 monthly for minimum coverage ($209 annually). Low-income drivers pay $20 monthly. Full coverage averages $58 monthly ($690 annually).

Union offers comprehensive auto insurance beyond standard liability, collision and comprehensive protection. Coverage includes roadside assistance, custom parts and equipment protection and rental car coverage. It earns a 2.9 out of 5 coverage score (below average), ranking seventh among Vermont insurers. The company's 140+ years of Vermont expertise shapes coverage for local risks like harsh winter weather and foliage-related damage.

Union earns a 3.6 out of 5 customer experience score, placing seventh among competitors. Union processes claims promptly and provides a mobile app for policy management and claims reporting. The local presence and personalized support address Vermont-specific concerns. It scores 4.8 out of 5 for affordability, ranking second statewide.

Read more: Union Car Insurance Review

Best Car Insurance in Vermont by City

State Farm offers the lowest rates in 15 Vermont cities: Barre, Burlington, Colchester, Fairfax, Middlebury, Milton, Montpelier, Newport, Rutland, Shelburne, South Burlington, St. Albans, Swanton, Williston and Winooski.

The table below shows the top-ranked insurers across Vermont's major cities.

BarreState Farm$3736
BrattleboroUnion Mutual Insurance$3477
BurlingtonState Farm$3736
ColchesterState Farm$3636
FairfaxState Farm$3636
MiddleburyState Farm$3536
MiltonState Farm$3636
MontpelierState Farm$3736
NewportState Farm$3836
RutlandState Farm$3536
ShelburneState Farm$3636
South BurlingtonState Farm$3636
St. AlbansState Farm$3536
StoweUnion Mutual Insurance$3477
SwantonState Farm$3536
WillistonState Farm$3536
WinooskiState Farm$3636

How to Find the Best Car Insurance in Vermont

Follow these steps to find the best car insurance in Vermont.

  1. 1

    Assess Your Coverage Needs

    Evaluate your insurance requirements based on driving habits, vehicle value and Vermont location. High-traffic areas like Burlington need higher liability limits due to increased accident risk and medical costs. Use our car insurance needs calculator to determine appropriate coverage levels. Your financial situation and risk tolerance guide deductible and coverage selections.

  2. 2

    Study Vermont Insurance Markets

    Understanding typical pricing helps you identify competitive offers. Research average car insurance costs to establish realistic expectations for your profile. Review our cheapest auto insurance provider  analysis to see which companies offer the most competitive rates. Available discounts like safe driver, multi-policy or good student savings reduce your premiums.

  3. 3

    Evaluate Company Reliability

    Price matters, but examine each insurer's reputation for customer service and claims handling. Check ratings from NAIC, A.M. Best and J.D. Power for financial stability and customer satisfaction. Review vehicle coverage options to understand the additional protections each company offers. Customer feedback on platforms like Trustpilot reveals real-world experiences with claims and service.

  4. 4

    Gather Multiple Price Quotes

    Request quotes from at least five insurers using identical coverage specifications for accurate comparison. Pricing varies by quote source, so try multiple approaches. Contact independent agents, captive agents and company websites directly. Online comparison platforms show the full range of Vermont insurance market options.

  5. 5

    Review Annually for Savings

    Insurance rates change due to market conditions, claims experience and regulatory updates. Your circumstances shift, affecting rates and coverage needs. Repeat this comparison each year at renewal to maintain competitive pricing and appropriate coverage.

  6. 6

    Maximize Available Discounts

    Vermont insurers offer discounts that reduce premiums. Common savings include bundling home and auto policies, maintaining a clean driving record, completing defensive driving courses or installing safety features. Ask each company about all available discounts during quotes; some require specific requests.

  7. 7

    Understand Vermont Requirements

    Vermont mandates minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $10,000 for property damage. These are legal minimums. Purchase higher limits to protect your assets. Vermont also requires uninsured motorist coverage, providing protection if an uninsured driver hits you.

Best Auto Insurance in Vermont: FAQ

Find answers to common questions about choosing car insurance in Vermont.

Who are the cheapest car insurance providers in Vermont?

Why is car insurance so expensive in Vermont?

How much is car insurance in Vermont on average?

How can I save money on car insurance in Vermont?

How much car insurance is required in Vermont?

Is unlimited PIP still worth it in Vermont?

Best Auto Insurance Vermont: Bottom Line

State Farm, Auto-Owners and Union rank as Vermont's top affordable car insurance options for most driver profiles. These companies offer competitive rates with essential coverage features. Your ideal insurer depends on your circumstances, driving history and coverage preferences. Determine your coverage requirements, research available discounts and company reputations, then gather quotes from multiple providers to compare costs and benefits.

Best Car Insurance in Vermont Chart

About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.

Read Full Bio »

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