Vermont Car Insurance Calculators: Cost & Coverage

• Vermont has 11 insurance companies, two of which write only this state and don't appear on any national comparison platform. The rate estimates on this page were run against all 11 carriers this session using insurer filings sourced through Quadrant Information Services, the same database used by state insurance regulators and large insurance agencies.
• All figures reflect a standard Vermont driver profile: 40 years old, a clean record, good credit and a 2012 Toyota Camry. We update every figure monthly as new insurer filings become available.
• Mark Fitzpatrick, a licensed Property and Casualty Insurance Producer, analyzed Vermont's insurance company rate data and wrote the factor analysis on this page. He has spent nearly a decade analyzing pricing across hundreds of insurance companies and millions of rates.

Vermont's cheapest car insurance company, providing the lowest full-coverage rates, is $57 a month. The most expensive charges $147 a month. That's $1,080 a year for the same coverage for the same car and same driver.  

The cheapest carrier is Union Mutual Insurance. The second cheapest is State Farm at $59 a month. The most expensive is Frankenmuth Insurance. Neither Union Mutual nor Co-operative Insurance (third cheapest at $64 a month) provides coverage in any state outside Vermont. They don't appear on GEICO's comparison tool or Progressive's quote form. Type your ZIP into any comparison site and neither one shows up. A Vermont driver who shops nationally misses both of them. The cheapest nationally visible carrier is Progressive at $75 a month, $18 a month more than Union Mutual.    

State Farm is worth a second look if you're a young driver or if you have a DUI. For young drivers, State Farm's multiplier (1.25x adult rate) is well below the Vermont market average. For drivers with a DUI on their record, State Farm prices the violation at almost zero in Vermont, $3 a month above their clean rate, while the market average DUI surcharge is $108 a month. If you have a DUI and you're not with State Farm, that's the first call you make. The cheapest company after a DUI is a completely different company from the cheapest company with a clean record.    

Get direct quotes from Union Mutual and Co-operative Insurance alongside the national comparison tool you use. Their rates won't appear in that tool's results.

Vermont's full coverage rate varies by $7 a month from one end of the state to the other, thirteen times smaller than the gap between the cheapest and most expensive insurer. Burlington (05401) is the most expensive ZIP at $75 a month for full coverage. Barre (05641) and Montpelier (05602) are the cheapest at $69 a month.  

There's a reason Burlington costs more. The Burlington metro saw a 230% increase in vehicle thefts from 2020 to 2022, the largest surge of any metropolitan area in the country during that period, per National Insurance Crime Bureau data. Within Burlington, the spread is smaller still. ZIP 05401 costs $75 a month for full coverage; ZIPs 05405 and 05408 run $72 a month: a $3 a month difference within the same city. That within-city gap is 71% of the statewide gap. Don't move cities to save on insurance because it doesn't work. The $6 a month statewide spread disappears with one carrier comparison.  

If your ZIP code is what you're worried about, you should pick the right insurer because that's worth more at $90 a month. Your ZIP code is worth $7.

Vermont's largest single-year age rate drop is $63 a month, and it doesn't happen at 25. Vermont's young driver rate costs $211 a month as an average across all Vermont insurers. By age 25, it's $100 a month. Most of that $111 a month decline happens at the 21st birthday.

When you turn 21, your Vermont rate drops $63 a month. When you turn 25, it's only $24 a month. A driver who waits until 25 misses that $63 a month drop at 21, adding up to $3,024 in extra payments over four years.

The other thing to do after turning 21 is re-quote at State Farm or Progressive specifically. Vermont insurers charge young drivers an average of what they charge a 40-year-old for the same coverage, but State Farm charges only 1.25x and Progressive charges only 1.21x. Re-quote at State Farm on your 21st birthday and you get two things at once: the $63 a month rate drop that comes with turning 21, and a young driver rate well below what most Vermont insurers charge. If you're 21 and still at Frankenmuth, which charges $210 a month for young Vermont drivers, you're paying a young driver penalty more than double what State Farm charges. That's the cost of not re-shopping at this birthday. The cheapest company for a 40-year-old isn't always cheapest for a 21-year-old. Re-quote with your actual age.

In Vermont, poor credit costs $329 a month for full coverage. Good credit costs $81 a month. That's a $248 difference per month for the same policy. And improving your credit score past the Good tier to Excellent raises your rate at 8 of 11 Vermont insurers.

Good credit is Vermont's best credit tier. At market average, a driver with Excellent credit pays $126 a month, while a driver with Good credit pays $81 a month. Excellent costs $45 a month more. At Allstate, that gap is $135 a month. At Progressive, $77 a month. At State Farm, $64 a month. Only three Vermont carriers price Excellent credit below Good: Union Mutual, Auto Owners, and Co-operative Insurance.  

The higher rates are for drivers with poor credit. Most Vermont insurers charge around four times as much for poor credit as they do for good credit. State Farm charges 13 times as much, $764 a month versus their own good-credit rate of $59 a month. Union Mutual prices the same driver at $110 a month. If you have poor credit and you're currently with State Farm, you can save $654 a month by switching to Union Mutual right now, before you do anything about your credit.  

Vermont allows credit-based insurance scoring, and improving from poor to good gets you $248 a month in savings, but that doesn't come automatically. Vermont insurers don't reprice mid-policy when your credit improves. Re-quote within 30 days of any confirmed credit score improvement.

A DUI adds $108 a month to a Vermont driver's rate on average, or $3 a month if the driver is with State Farm. An at-fault accident adds $27 a month. Vermont insurers also charge not-at-fault drivers $6 a month more, even when you didn't cause the accident.

If you have a DUI, the most important thing you can do right now is call State Farm before you call anyone else. State Farm charges $62 a month after a DUI in Vermont, almost the same as their clean-record rate of $59 a month. Most Vermont insurers charge $189 a month for the same driver. Union Mutual, which is the cheapest insurer in Vermont for drivers with clean records, charges $232 a month after a DUI. So the first company you'd think to call is also the worst one to call. The difference between those two phone calls is $2,040 a year.

After a DUI, Vermont requires an SR-22, which is a form your insurance company files with the Vermont DMV to show you have active coverage. It is not a type of insurance. The filing must stay active for a minimum of 3 years from the date of your license suspension. A lapse triggers immediate license suspension. Vermont's SR-22 is filed by your insurer with the Vermont DMV, not by you and not by an agent. If the filing lapses, Vermont DMV is notified automatically. When the filing clears, your rate doesn't drop automatically. Your SR-22 goes on for 3 years from your suspension date. In month 37, re-quote. That's when the DUI surcharge comes off, but only if you ask for new quotes.

Vermont's full coverage costs $81 a month. Minimum coverage costs $33 a month. That $48 covers your own car if you crash it, protects you from weather damage and deer strikes, and raises your liability limits high enough to actually cover a serious accident.

Vermont is an at-fault state. If you cause a crash, you're responsible for every dollar of damage above what your insurance covers. Vermont's $25,000 minimum per person for bodily injury can be burned through in days after a serious crash. Dropping to minimum cuts collision and comprehensive entirely and brings your liability down to the bare minimum Vermont requires. Vermont's minimum liability amounts haven't kept pace with current medical costs or vehicle replacement values. The extra $48 a month is the difference between what the law requires and what a serious accident actually costs.

The $48 a month is real savings. It's also the smallest difference you can make. Picking the right insurance company saves $90 a month, while fixing your credit tier saves up to $248 a month. Fix those two first, then decide on coverage level.

Vermont ranks 21st nationally for the chance of hitting a deer or other animal with your car, with a 1-in-108 chance in any given year, higher than neighboring New Hampshire at 1 in 189 and higher than New York at 1 in 167, per State Farm's 2024-2025 annual analysis published by the Insurance Information Institute. In Vermont, those odds make it worth keeping full coverage on your car.

Comprehensive is what pays for documented Vermont risks, such as deer strike or flood damage. Vermont received FEMA major disaster declarations for flooding in both 2023 and 2024, with the Vermont Agency of Transportation offering vehicle replacement incentives for flood-damaged vehicles. Look at what you pay for full coverage each year. Then subtract whatever you'd have to pay out of pocket before insurance covers the rest from what your car is worth right now. Vermont drivers hit a deer or moose at more than twice the rate of New Hampshire drivers. If those numbers are close, Vermont's deer odds tip the balance toward keeping it.

Vermont winters add to the calculation. Ice, hail, and storm damage generate regular claims across the state. A vehicle that gets through an ice storm without comprehensive coverage means you pay for all the damage yourself. Dropping full coverage is a reasonable call in a warmer state with fewer deer on the roads. In Vermont, it's a different calculation.

Bodily injury liability pays the medical bills, lost wages, and legal costs of people you injure when you're at fault in a crash. Vermont's minimum is $25,000 per person and $50,000 per accident, per 23 V.S.A. § 800. Vermont is an at-fault state. That $25,000 is the minimum you could owe someone you injure, not the maximum. If a court awards $100,000 to someone you injured and your coverage only goes to $25,000, the remaining $75,000 comes out of your savings, your home equity, whatever you have. The number in your recommendation is what it takes to protect what you own.

Property damage liability pays for damage you cause to another driver's vehicle or other property when you're at fault. Vermont's minimum is $10,000. A current-model vehicle can cost $35,000 or more to replace. In Vermont, if you cause a crash and the other car costs $35,000 to replace, you owe $25,000 out of pocket at the state minimum. The number in your result is what closes that $25,000 gap.

Uninsured and underinsured motorist coverage (UM/UIM) pays your medical bills and repair costs when the driver who hit you has no insurance or not enough to cover your damages. Under 23 V.S.A. § 941, Vermont requires insurers to include UM/UIM at $50,000 per person and $100,000 per accident on every policy, double the basic liability minimum. You can decline it, but only by signing a written rejection form. If you haven't signed one, this coverage is already in your policy. The number in your recommendation shows whether you need more than Vermont's legal minimum.

Collision pays for damage to your own vehicle from a crash, regardless of who was at fault. Comprehensive for theft, fire, deer strikes, and flooding. Vermont drivers have a 1-in-108 annual chance of hitting a deer or moose, per State Farm's 2024-2025 data, higher than any neighboring state. Vermont also received FEMA major disaster declarations for flooding in 2023 and 2024. If your vehicle is financed, your lender requires both collision and comprehensive. If your car is paid off, it's Vermont's deer odds and flood history that put comprehensive in your result.

An SR-22 appears in your recommendation because your profile includes a qualifying violation. In Vermont, an SR-22 is a form your insurance company files with the Vermont DMV to certify that your coverage is active. It's not a type of insurance. Vermont requires the filing after a DUI conviction, driving without insurance, or a serious violation, per 23 V.S.A. § 804. The filing must remain active for a minimum of 3 years from the date of your license suspension. If your policy lapses or gets cancelled, your insurer notifies Vermont DMV automatically and your license is suspended until you get covered again.

1. Get direct quotes from Union Mutual and Co-operative Insurance. Both carriers write only Vermont and neither appears on national comparison platforms. Union Mutual is Vermont's cheapest full-coverage insurer at $57 a month. Co-operative Insurance is $64 a month. Progressive, the cheapest carrier that shows up on national comparison sites, is $75 a month. You'd save $18 a month just by calling Union Mutual: same coverage, same car, same you, different price. Call them directly or find a Vermont independent agent who writes both carriers.
2. Re-quote at your 21st birthday, not your 25th. Vermont's largest single-year age rate drop is $63 a month when you turn 21. When you turn 25, it's only $24 a month. A Vermont driver who waits until 25 overpays by $3,024 over four years. Get new quotes on the day you turn 21, and call State Farm and Progressive first.
3. Re-quote within 30 days of any credit improvement from Poor or Fair to Good. Improving your credit doesn't lower your rate automatically. You have to re-quote. If your credit is already at Good, don't chase Excellent. Eight of 11 Vermont insurers charge more for Excellent credit than Good, by an average of $45 a month. Good is as good as it gets in Vermont. If you have poor credit and you're currently with State Farm, call Union Mutual before you do anything else about your credit. State Farm charges Vermont's poor-credit drivers $764 a month; Union Mutual charges the same driver $110 a month.
4. If you have a DUI, call State Farm before calling anyone else. State Farm's Vermont DUI rate is $62 a month, $3 above their clean-record rate of $59 a month. The average across Vermont insurers is $189 a month. Union Mutual, the cheapest carrier for clean drivers, charges $232 a month after a DUI. Every month you spend with the wrong carrier after a DUI costs you the difference between $62 a month and whatever you're currently paying. When your SR-22 expires, re-quote in month 37 from your license suspension date. The rate drop is not automatic.