Best Car Insurance in Vermont for 2026

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Updated: May 8, 2026

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Key Takeaways
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State Farm earns Vermont's top MoneyGeek score of 4.3/5, with the best rates for adults at $21 per month, DUI at $23 per month and speeding at $23 per month. Drivers focused on cost find Vermont's cheapest adult rate at $16 per month through Co-operative.

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Auto-Owners wins best score for young drivers at $76 per month and bad credit at $149 per month. Its diminished value protection comes standard with every policy, useful for Vermont drivers financing or planning to trade in a vehicle.

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State Farm leads all 10 Vermont cities at scores between 4.3/5 and 4.5/5, with rates ranging from $35 to $38 per month statewide.

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HOW MONEYGEEK CHOSE THE BEST CAR INSURANCE IN VERMONT

MoneyGeek analyzed quotes from six Vermont insurers across every ZIP code in the state. Vermont is an at-fault state with some of the lowest car insurance rates in the country, a product of low population density, limited traffic volume and a regional carrier market where Union Mutual and Co-operative price for Vermont's loss environment. MoneyGeek's licensed insurance producers paid particular attention to that regional market, where local pricing often beats national carriers by a wide margin, and where credit scoring is permitted as a rating factor.

MoneyGeek's scoring weights affordability at 60% because Vermont's low baseline makes even small-dollar differences meaningful. Customer experience accounts for 30%, drawn from J.D. Power scores, NAIC complaint ratios, AM Best ratings and independent agent Google Business ratings. Coverage options round out the remaining 10%.

Best Car Insurance in Vermont by Driver Profile

State Farm earns Vermont's top MoneyGeek score at 4.3/5, with the best-scored rates for adults at $21 per month and for DUI and speeding at $23 per month each. On speeding, Union Mutual undercuts at $17 per month, so drivers choosing between them are trading a lower score for a lower rate. Vermont's car insurance rates are among the lowest MoneyGeek found in any state, a result of low population density and limited traffic.

Auto-Owners leads for young drivers at $76 per month, bad credit at $149 per month and newer cars at $45 per month. Its high customer experience score and standard diminished value protection set it apart for profiles where service quality and coverage depth matter as much as price.

Union Mutual, a Vermont-based regional carrier, has the cheapest car insurance rates in Vermont for speeding at $17 per month, best and cheapest for accidents at $17 per month and cheapest for older cars at $15 per month. Co-operative is worth a direct quote if cost is the only priority: $16 per month for adults, $32 per month for bad credit, $17 per month for low income and $19 per month for seniors, best and cheapest in that last category.

Drivers with older cars
Union Mutual
$15
$43
After an at-fault accident
Union Mutual
$17
$58
Senior drivers (65+)
Co-operative
$19
$52
Low income
Union Mutual
$20
$58
Adult drivers (26–64), clean record
State Farm
$21
$56
After a speeding ticket
State Farm
$23
$61
After a DUI
State Farm
$23
$61
Drivers with newer cars
Auto-Owners
$45
$92
Young drivers (16–25)
Auto-Owners
$76
$163
Bad credit
Auto-Owners
$149
$298
State Farm
Best Overall and Best for Drivers With a DUI or Speeding Ticket

State Farm

State Farm earns the top composite score in MoneyGeek's Vermont analysis at 4.3/5, the best balance of rate and service among the six insurers reviewed. At $21 per month for a clean-record adult, it's the best-scored option in Vermont for that profile. Drivers focused purely on cost can find Vermont's cheapest adult rate at $16 per month through Co-operative. For DUI and speeding, State Farm scores best at $23 per month for both profiles; Union Mutual undercuts on the speeding rate at $17 per month for drivers who prioritize price over score.

State Farm's local agent network covers Vermont and handles SR-22 filings after a DUI conviction, as required by the state. It ranks third on customer experience in MoneyGeek's Vermont analysis with a 3.9/5 score. Optional coverages include roadside assistance, rental reimbursement and rideshare coverage.

  • Affordability (60%): 4.7/5
  • Customer Experience (30%): 3.9/5
  • Coverage Options (10%): 3.3/5

Don't pick State Farm if you're a young driver or have bad credit; Auto-Owners leads both profiles. Co-operative and Union Mutual offer lower raw rates across most profiles for drivers focused solely on cost.

Auto-Owners
Best for Young Drivers and Those with Bad Credit

Auto-Owners

Auto-Owners leads Vermont for young drivers at $76 per month and for bad credit at $149 per month, based on MoneyGeek's combined scoring of rates and customer experience. Its diminished value protection comes standard on every policy rather than as a paid add-on, which matters for Vermont drivers financing or planning a trade-in.

Auto-Owners also leads for newer cars at $45/month. Its optional coverages include roadside assistance, rental reimbursement and trip interruption, a narrower menu than Progressive's, but the included diminished value protection adds real depth that most competitors charge extra for.

  • Affordability (60%): 4.6/5
  • Customer Experience (30%): 4.5/5
  • Coverage Options (10%): 2.5/5

Don't pick Auto-Owners if cost is the priority. Co-operative's bad credit rate is $32 per month, less than a quarter of Auto-Owners' $149. State Farm leads on DUI and speeding score.

Union Mutual Insurance
Best Cheap for Drivers With a Violation

Union Mutual Insurance

Union Mutual, a Vermont-based regional carrier, has the lowest rates in MoneyGeek's Vermont analysis for three profiles: best and cheapest for accident at $17 per month, cheapest for speeding at $17 per month and cheapest for older cars at $15 per month. Its pricing reflects Vermont-specific loss experience rather than national pooling, which is why it consistently undercuts national carriers on those profiles.

Union Mutual ranks sixth in customer experience with a 3.6/5 score, partly because its regional footprint means thinner coverage on the independent agent Google Business profiles MoneyGeek uses to score. It offers two optional coverages: roadside assistance and rental reimbursement.

  • Affordability (60%): 4.8/5
  • Customer Experience (30%): 3.6/5
  • Coverage Options (10%): 1.3/5

Don't pick Union Mutual if you need gap insurance, accident forgiveness or a strong national service record. State Farm leads on DUI and speeding score; Auto-Owners leads on young drivers and bad credit, with broader coverage in both cases.

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MONEYGEEK VERDICT

Vermont's market splits three ways because the right insurer genuinely depends on what you're prioritizing. State Farm is the best-scored pick for most Vermont drivers: clean-record adults, DUI and speeding profiles. On speeding, Union Mutual undercuts at $17 per month while State Farm scores best at $23 per month; the choice there comes down to rate versus score. 

Auto-Owners is the call for young drivers and bad credit, where its 4.5/5 customer experience score and standard diminished value protection carry the most weight. Union Mutual wins on rate alone for accident and older car profiles, with the sharpest regional pricing advantage in Vermont's market. Across every profile, Vermont's rates rank among the lowest in the country.

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MONEYGEEK EXPERT TIP

Best Car Insurance in Vermont by City

State Farm leads all 10 Vermont cities in MoneyGeek's analysis, scoring between 4.3/5 and 4.5/5 across the state. Rates run from $35 per month in Rutland to $38 per month in Newport, a $3 spread with no major urban congestion distorting city-level results.

Barre
State Farm
4.30
$37
Montpelier
State Farm
4.30
$37
Burlington
State Farm
4.40
$37
South Burlington
State Farm
4.40
$36
Rutland
State Farm
4.40
$35
Essex Junction
State Farm
4.40
$35
Winooski
State Farm
4.40
$36
Newport
State Farm
4.40
$38
Vergennes
State Farm
4.40
$36
St. Albans
State Farm
4.50
$35

Summary: Best Car Insurance Providers in Vermont on Average

State Farm, Co-operative and Union Mutual all score 4.3/5, but their rankings diverge by category. State Farm leads the three on customer experience; Co-operative earns a 5/5 affordability score, the highest in MoneyGeek's Vermont analysis. Vermont's six-insurer market is shaped by local carriers that price specifically for the state's low-loss environment, which is why regional options often beat national carriers on cost. MoneyGeek weights affordability at 60%, customer experience at 30% and coverage options at 10%.

State Farm4.34$3936
Co-operative Insurance4.3$3498
Union Mutual Insurance4.25$3777
Vermont Mutual Insurance4.04$4647
Progressive4.02$5722

How to Find the Best Car Insurance in Vermont for You

Vermont's rates are low enough that even its most expensive profiles, young drivers and bad credit, compare well to clean-record rates in most states. But the right insurer still depends on your profile.

  1. 1
    Know Vermont's minimum coverage requirements

    Vermont requires 25/50/10 liability coverage. It is an at-fault state with no PIP requirement.

  2. 2
    Get quotes from Vermont's regional carriers

    Union Mutual and Co-operative price well below national carriers for several profiles. Get direct quotes from both before choosing.

  3. 3
    Account for DUI and violations

    State Farm scores best for DUI and speeding. For speeding specifically, Union Mutual has the cheapest rate at $17 per month. Vermont requires an SR-22 filing after a DUI conviction.

  4. 4
    Factor in credit scoring

    Vermont permits credit scoring as a rating factor. Auto-Owners leads on a bad credit score at $149 per month; Co-operative is the cheapest at $32 per month.

  5. 5
    Put Vermont's low baseline in context

    Young drivers and bad-credit drivers in Vermont still pay less than clean-record drivers pay in most other states, because Vermont's low population density keeps rates down across nearly every profile.

Frequently Asked Questions About Car Insurance in Vermont

Who has the cheapest car insurance in Vermont?

What is the average cost of car insurance in Vermont?

What car insurance coverage is required in Vermont?

Is Vermont a no-fault state?

Does Vermont allow credit scoring for car insurance?

Which Vermont insurer has the best customer service?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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