Best Car Insurance in Vermont

State Farm wins for Vermont drivers who want the best overall deal, especially if you've got a DUI or speeding ticket on your record. Clean-record drivers pay $21 per month for minimum coverage. Got a speeding ticket? You'll pay $23. Drive an older car? Expect $18 monthly. Your annual cost hits around $469, which undercuts most other insurers no matter your situation.

You get more than the basics here. State Farm sells gap insurance if you're financing a car, plus rental reimbursement when yours is in the shop. Roadside assistance and custom parts coverage round out the options. Vermont's harsh winters mean weather damage happens. State Farm has plans that won't wreck your budget.

Customer experience scores 3.9 out of 5, putting State Farm third among Vermont insurers. Agents operate across the state, from Burlington to tiny mountain towns. Their app handles claims and policy changes whenever you need it. Sometimes you'll wait on hold, but people say the staff knows their stuff and moves claims along fast.

Read more: State Farm Car Insurance Review

Auto-Owners wins for young drivers and people with bad credit in Vermont. Young drivers pay $115 per month, which adds up to $1,382 yearly. Bad credit? Your bill hits $236 monthly or $2,835 per year. Drive a newer car and you'll pay $73 each month, totaling $876 annually.

The company goes past basic liability and collision plans. You can add pet injury protection if your dog gets hurt in a crash. Custom parts coverage protects aftermarket upgrades. Gap coverage helps if you're financing or leasing. Roadside assistance and rental cars keep you moving during repairs. Vermont's brutal winters and theft risks get covered, and you can adjust your policy however you need it.

Auto-Owners earns a perfect 5 out of 5 for customer experience. You get help any time, day or night. The mobile app lets you file claims and make payments from your phone. The coverage score sits at 3.6 out of 5, showing the range of options Auto-Owners gives Vermont drivers.

Read more: Auto-Owners Car Insurance Review

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