The best car insurance in Vermont depends on your driver profile, location and what you need from a policy. Our analysis of rates and coverage across Vermont found that no one company wins for every driver. The right pick shifts based on your age, driving history, where you live and how much coverage you carry.
Best Car Insurance in Vermont for 2026
Updated: June 3, 2026
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Our Experience Reviewing Vermont's Top Car Insurers
State Farm: Best Overall in VermontState Farm earns Vermont's top MoneyGeek score at 4.39/5, ranking third in both affordability and customer experience. No other carrier in Vermont's top five finishes that consistently across both categories. Full coverage averages $97/month, 13% below the Vermont state average, and State Farm's broad independent agent network across Vermont's rural ZIP codes gives policyholders local access that digital-first carriers can't match. Its coverage options rank sixth among Vermont carriers, so drivers who want gap insurance should compare Progressive.
Union Mutual: Best Affordability Runner-UpUnion Mutual ranks second in Vermont for affordability, with full coverage at $89/month, 21% below the state average, while holding a 4.31/5 MoneyGeek score. As a Vermont-based mutual insurer, Union Mutual writes policies through independent agents across the state, which supports underwriting decisions grounded in local market knowledge. Its customer experience ranks seventh and coverage options rank seventh among Vermont carriers, so drivers who prioritize claims satisfaction or a wider coverage selection will find stronger options in State Farm or Progressive.
- Co-Operative: Most Affordable in Vermont
Co-Operative holds Vermont's No. 1 affordability rank with the lowest full coverage rates among top-rated carriers at $84 a month, earning a 4.30/5 MoneyGeek score. Based in Middlebury, Vermont, Co-operative writes through independent agents and focuses on the Vermont and New Hampshire markets. Co-operative isn't rated in J.D. Power's 2025 U.S. Auto Insurance Study, which limits direct satisfaction benchmarking. Its customer experience ranks ninth and coverage options rank eighth among Vermont carriers. It's the right pick for price-focused Vermont drivers, but a weaker fit for drivers who weigh claims service heavily.
Progressive: Best Coverage OptionsProgressive ranks second in Vermont for both coverage options and customer experience, earning a 4.25/5 MoneyGeek score. Progressive's Vermont coverage includes rideshare endorsements, gap insurance and its Snapshot telematics program. None of those options are available from either Vermont regional carrier in the top five. Its affordability ranks sixth among Vermont carriers, so drivers who prioritize the lowest rate will find cheaper options among the top five.
- Auto-Owners: Best Customer Experience
Auto-Owners ranks first in Vermont for customer experience with a 4.8/5 MoneyGeek customer experience score, the highest among Vermont's top five. It operates exclusively through independent agents, which supports personalized service in Vermont's rural communities. Its affordability ranks ninth among Vermont carriers at $121/month for full coverage, the highest rate in the top five. For drivers who prioritize claims service over rate, it's the right pick in the state.
Best Car Insurance Companies in Vermont: Scores and Methodology
| State Farm | 4.39 | 3 | 3 | 6 |
| Union Mutual Insurance | 4.31 | 2 | 7 | 7 |
| Co-operative Insurance | 4.3 | 1 | 9 | 8 |
| Progressive | 4.25 | 6 | 2 | 2 |
| Auto Owners | 4.19 | 9 | 1 | 5 |
Why You Can Trust MoneyGeek's Vermont Ratings
MoneyGeek evaluated insurance companies in Vermont, including national carriers and Vermont regional insurers. Rankings combine rate analysis, customer feedback, and coverage assessments across three weighted factors. MoneyGeek does not receive compensation tied to which companies rank highest. Rate data comes from Quadrant Information Services, which sources actual insurance filings across every ZIP code.
Affordability (60%):
Rate quotes were gathered for multiple driver profiles using a baseline 40-year-old male with good credit, clean record, no prior claims. Quotes covered full coverage with 100/300/100 BI, $100,000 PD, and UM/UIM matching state minimums or higher. Rates are based on Vermont's most recently filed and approved insurer filings. Discounts applied where applicable include multi-policy, autopay, paperless, good-driver. Quotes based on published carrier filings, not individual quote forms.
Customer Experience (30%):
Customer satisfaction data was compiled from J.D. Power studies (including the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study), AM Best financial strength ratings, and multi-platform review aggregation. NAIC complaint indexes also feed the composite score. J.D. Power scores shown in each carrier section are one input to the composite, not the full ranking.
Coverage Options (10%):
Coverage scoring measures each provider's range of coverage types and Vermont-specific add-on availability. Standard coverages (bodily injury liability, property damage liability, uninsured motorist insurance, medical payments coverage, comprehensive coverage, collision coverage) are included in the baseline score. Add-on coverages weighted in the score include accident forgiveness, new car replacement, rideshare endorsements, gap insurance, custom parts coverage, mechanical breakdown insurance, and pay-per-mile or telematics-based programs. Coverages restricted or unavailable under state law are excluded from the score for all carriers.
Rates and rankings on this page reflect a 40-year-old male driver with good credit and a clean record. Full coverage rates use 100/300/100,000 liability limits with a $1,000 comprehensive and collision deductible. Minimum coverage rates use Vermont's mandatory 25/50/10 liability limits plus the state-mandated $50,000 UM/UIM, without comprehensive or collision.
USAA is excluded from all rankings because it is available only to military members and their families, which limits its accessibility for most readers.
Similar scores can come from very different strengths in Vermont:
- State Farm (4.39/5) and Union Mutual (4.31/5) are close overall, but State Farm leads on customer experience (rank 3 vs. rank 7) while Union Mutual leads on affordability (rank 2 vs. rank 3).
- Union Mutual (4.31/5) and Co-Operative (4.30/5) are nearly identical in score, but Co-operative holds Vermont's No. 1 affordability rank while Union Mutual edges ahead on customer experience (seventh vs. ninth).
- Progressive (4.25/5) and Auto-Owners (4.19/5) diverge sharply: Progressive ranks second in coverage options and second in customer experience, while Auto-Owners ranks first in customer experience but ninth in affordability.
WHAT'S DIFFERENT ABOUT CAR INSURANCE IN VERMONT
Vermont's uninsured/underinsured motorist (UM/UIM) minimum is 50/100 bodily injury plus $10,000 UMPD per Vermont Statutes Annotated (V.S.A.) Section 941, higher than the 25/50/10 liability minimum. No other New England state structures UM/UIM this way.
Vermont's $10,000 property damage liability floor per V.S.A. Section 800 is lower than every other New England state; Connecticut, Maine, New Hampshire and Rhode Island all require $25,000 to $30,000, and Massachusetts requires $30,000. The average new vehicle now exceeds $48,000, which puts Vermont's minimum PD coverage well short of most collision scenarios.
Co-operative Insurance Companies, based in Middlebury, Vermont, and Union Mutual are hometown carriers not rated in J.D. Power's 2025 U.S. Auto Insurance Study.
Best Vermont Car Insurance Company Ratings
State Farm
Best Overall in Vermont
MoneyGeek Rating
4.4/ 5
4.2/5Affordability
4.3/5Customer Experience
3.8/5Coverage
Average Monthly Full Coverage Rate
$97Average Monthly Minimum Coverage Rate
$42J.D. Power 2025 Score
634
Union Mutual Insurance
Best Affordability Runner-Up
MoneyGeek Rating
4.3/ 5
4.5/5Affordability
3.7/5Customer Experience
3.6/5Coverage
Average Monthly Full Coverage Rate
$89/monthAverage Monthly Minimum Coverage Rate
$38J.D. Power 2025 Score
Not rated (regional carrier)
Co-Operative Insurance
Most Affordable in Vermont
MoneyGeek Rating
4.3/ 5
4.8/5Affordability
3.5/5Customer Experience
3.4/5Coverage
Average Monthly Full Coverage Rate
$84Average Monthly Minimum Coverage Rate
$35J.D. Power 2025 Score
Not rated (regional carrier)
Progressive
Best Coverage Options
MoneyGeek Rating
4.3/ 5
3.9/5Affordability
4.4/5Customer Experience
4.7/5Coverage
Average Monthly Full Coverage Rate
$108Average Monthly Minimum Coverage Rate
$48J.D. Power 2025 Score
582
Auto-Owners
Best Customer Experience
MoneyGeek Rating
4.2/ 5
3.5/5Affordability
4.8/5Customer Experience
4.1/5Coverage
Average Monthly Full Coverage Rate
$121Average Monthly Minimum Coverage Rate
$54J.D. Power 2025 Score
Not rated in regional study
Rates at Vermont's Best Car Insurance Companies
Vermont's car insurance rates vary by carrier, coverage level and driver profile. The state's $112/month full coverage average is $35 below the $147/month national average. Vermont is overwhelmingly rural, and lower vehicle density keeps rates below most coastal states. Vermont's top five ranked carriers span from $84/month at Co-Operative to $121/month at Auto-Owners.
$84 | $35 | 25% | |
Union Mutual Insurance | $89 | $38 | 21% |
$97 | $42 | 13% | |
$108 | $48 | 4% | |
Auto-Owners | $121 | $54 | -8% |
Vermont State Average | $112 | $47 | — |
National Average | $147 | $62 | — |
Vermont is the only New England state without a Standard Metropolitan Statistical Area larger than Burlington. Rate variation across the state reflects ZIP-code-level differences in vehicle density and local claims history rather than urban-versus-rural swings seen in larger states. Use the Vermont car insurance calculator to find where your specific profile and ZIP code land in that range.
Coverage Options at Vermont's Best Car Insurance Companies
Vermont requires bodily injury liability at 25/50 and property damage liability at $10,000 per V.S.A. Section 800, with a floor lower than every other New England state. Every policy must also carry uninsured motorist coverage at 50/100 bodily injury plus $10,000 UMPD per V.S.A. Section 941. Vermont doesn't require PIP or medical payments coverage.
Bodily injury liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Property damage liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Comprehensive | ✓ | ✓ | ✓ | ✓ | ✓ |
Collision | ✓ | ✓ | ✓ | ✓ | ✓ |
Uninsured/underinsured motorist | ✓ | ✓ | ✓ | ✓ | ✓ |
Medical payments / PIP | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside assistance | ✓ | ✓ | ✓ | ✓ | ✓ |
Rental reimbursement | ✓ | ✓ | ✓ | ✓ | ✓ |
Accident forgiveness | ✓ | — | — | ✓ | ✓ |
New car replacement | — | — | — | ✓ | ✓ |
Rideshare coverage | ✓ | — | — | ✓ | — |
Gap insurance | — | — | — | ✓ | ✓ |
Custom parts coverage | — | — | — | ✓ | ✓ |
Coverage total | 9/13 | 7/13 | 7/13 | 12/13 | 11/13 |
Vermont's heavily forested terrain and rural road network create real animal-collision risk. Deer strikes during fall and ice debris in winter are among the most common comprehensive claims in the state. All five top-rated Vermont carriers include comprehensive and collision coverage, so adding both is easy regardless of which carrier you choose. Drivers who finance or lease their vehicles should carry both regardless, as most lenders require them.
Vermont's UM/UIM minimum of 50/100 bodily injury plus $10,000 UMPD per V.S.A. Section 941 is higher than the 25/50/10 liability minimum. With Vermont's estimated 11.8% uninsured driver rate, that matters in practice: a Vermont driver hit by a minimum-limits at-fault driver gets more from their own UM/UIM coverage ($50,000 per person minimum) than from the at-fault driver's policy ($25,000 per person). All five top-rated carriers meet or exceed this UM/UIM floor.
Progressive's Snapshot program is the most distinctive coverage option among Vermont's top five. It tracks how you drive and can lower your rate if you log low mileage or drive at lower-risk times. Vermont drivers who work from home or drive infrequently are most likely to benefit. If Snapshot data shows high mileage or late-night driving, your rate can go up at renewal. No other top-five Vermont carrier has a mileage-based adjustment program.
How to Use These Rankings to Find Your Best Vermont Carrier
For most Vermont drivers, State Farm has the best balance of rate and service at $97/month. Co-Operative is the lowest-cost option at $84/month.
Price is your top priorityCo-operative holds Vermont's No. 1 affordability rank at $84/month for full coverage and $35/month for minimum coverage, 25% below the Vermont state average. The cheapest Vermont car insurance breakdown covers rates across more carriers and driver profiles.
You want the best Vermont claims experienceAuto-Owners holds the highest customer experience score among Vermont's top-ranked carriers at 4.8/5. That score draws from NAIC complaint data, AM Best financial strength ratings (A++) and review platform data, and points to claims reliability rather than price alone. For comparison, among Vermont's highest-rated carriers in J.D. Power's 2025 New England study, State Farm scored 634 (above the 625 regional average) and Progressive scored 582 (below the regional average). Auto-Owners isn't rated in the New England study.
- Price and coverage both matter to you
State Farm holds the top Vermont ranking at 4.39/5, with full coverage at $97/month and a third-place finish in both affordability and customer experience. No other carrier in the top five places that high on both categories at once. Its coverage options rank sixth, so drivers who also want gap insurance or rideshare endorsements should compare Progressive's Vermont offering alongside State Farm's rate.
There's a young driver in your householdState Farm is worth quoting first for Vermont households with young drivers. Its broad agent network and good-student discount often produce competitive rates, and bundling auto and home with the same carrier is usually where the savings are sharpest. Compare your auto-only rate against a bundled quote before committing. For rates across more driver profiles, see the cheapest Vermont car insurance breakdown.
Your record has a DUI or violationVermont defines DUI under V.S.A. Section 1201 at a blood alcohol content (BAC) of 0.08. A first offense triggers a 90-day license suspension and a mandatory 10-hour Impaired Driver Rehabilitation Course administered by the Vermont Department of Health. Not all of Vermont's top five carriers file SR-22s. For carrier-specific rates after a DUI and the full three-year filing process, see SR-22 car insurance in Vermont.
- Vermont's mandatory UM/UIM rule affects your coverage
Vermont's 25/50/10 liability minimum includes a $10,000 property damage floor, lower than every other New England state. Vermont also mandates UM/UIM at 50/100 plus $10,000 UMPD, higher than the liability minimum. Drivers who carry only state minimums are personally liable for property damage above $10,000, which now covers most rear-endings of a newer vehicle.
Best Vermont Car Insurance: FAQ
What is the minimum car insurance required in Vermont?
Vermont requires 25/50/10 liability coverage under V.S.A. Section 800, meaning $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage. Every policy must also carry uninsured motorist coverage at 50/100 bodily injury plus $10,000 UMPD with a $150 deductible under V.S.A. Section 941, higher than the liability minimum. Vermont doesn't require PIP or medical payments coverage.
What happens if I drive without insurance in Vermont?
Driving without insurance in Vermont is a civil traffic violation, not a criminal offense, under V.S.A. Section 800. Penalties include a traffic citation with fine, points assessed against your driving privileges and a potential requirement to file Financial Responsibility Insurance (SR-22) with the Vermont DMV. The Vermont DMV operates an electronic insurance verification system that tracks policy status and flags lapses.
Why is Vermont's UM/UIM minimum higher than its liability minimum?
The Vermont legislature deliberately set UM/UIM minimums above liability minimums as a consumer-protection measure. Under V.S.A. Section 941, every Vermont policy must carry UM/UIM bodily injury at 50/100, twice the 25/50 liability floor. If a Vermont driver is hit by another driver carrying only the state minimum liability ($25,000 per person), the injured driver's own UM/UIM coverage (minimum $50,000 per person) provides higher protection than the at-fault driver's policy. No other New England state structures UM/UIM this way.
Is Vermont's $10,000 property damage minimum enough?
Probably not. The average new vehicle now exceeds $48,000, and Vermont's $10,000 property damage minimum is the lowest in New England. Connecticut, Maine, New Hampshire and Rhode Island all require $25,000; Massachusetts requires $30,000. A minimum-limits Vermont policy leaves drivers personally liable for property damage exceeding $10,000, which covers most rear-endings of a newer vehicle. Drivers should consider $50,000 or $100,000 PD limits given the difference.
What is Vermont Mutual and is it a good carrier?
Vermont Mutual Insurance Group is a mutual insurance company headquartered in Montpelier, Vermont, writing a share of the state's auto insurance market. Vermont Mutual isn't rated in J.D. Power's 2025 U.S. Auto Insurance Study, as small regional carriers often aren't separately rated, but its mutual structure means policyholders are members, not shareholders. Co-operative Insurance Companies, based in Middlebury, Vermont, is another in-state regional carrier with a dedicated review on MoneyGeek.
What is the SR-22 process in Vermont after a DUI?
A Vermont DUI conviction triggers an SR-22 filing requirement for three years under V.S.A. Section 1201. Your insurer files the SR-22 with the Vermont DMV in Montpelier as proof of financial responsibility. First-offense penalties include a 90-day license suspension and a mandatory 10-hour Impaired Driver Rehabilitation Course administered by the Vermont Department of Health. A lapse during the three-year SR-22 period triggers immediate license re-suspension. Not all carriers file SR-22s in Vermont, so compare quotes before choosing. Vermont doesn't use FR-44. See SR-22 car insurance in Vermont for rates and carrier options.
Sources
- J.D. Power. "2025 U.S. Auto Insurance Study." Accessed 2026.
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study." Accessed 2026.
- Vermont Department of Financial Regulation. "Property and Casualty Market Conditions Annual Reports." Accessed 2026.
- 23 V.S.A. Section 800 — Provisions of Owner's Policy of Liability Insurance. Accessed 2026.
- Vermont Department of Financial Regulation. "Minimum Auto Insurance Requirements." Accessed 2026.
- Insurance Information Institute (III). "Facts + Statistics: Uninsured Motorists." Accessed 2026.
- AM Best. "Ratings Services." Accessed 2026.
MoneyGeek scores Vermont car insurance companies on affordability (60%), customer experience (30%) and coverage options (10%), using rate data from Quadrant Information Services. Rates reflect a 40-year-old driver with a clean record and full coverage.
For the complete breakdown of MoneyGeek's scoring weights and rate baseline construction, see our full auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.