Co-operative offers Vermont's most affordable coverage, with monthly rates of $16 for minimum liability and $52 for full coverage. Drivers save $21 monthly (39%) compared to state averages. Get quotes from Union Mutual, State Farm, Vermont Mutual and GEICO too.
Cheapest Car Insurance in Vermont
Updated: August 18, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in Vermont for most drivers are Co-operative Insurance, Union Mutual Insurance and State Farm, offering average savings of up to 39%.
Car insurance costs can be as low as $15 monthly for minimum coverage and $50 for full coverage policies on average in Vermont.
To get the cheapest car insurance in Vermont, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Vermont?
| Co-operative Insurance | $16 | $52 | -39% |
| Union Mutual Insurance | $17 | $58 | -32% |
| State Farm | $22 | $56 | -29% |
| Vermont Mutual Insurance | $28 | $64 | -16% |
| Geico | $32 | $80 | 2% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Best Car Insurance Rates by Category in Vermont
Co-operative offers the cheapest rates for seven out of our 10 driver categories, while Union Mutual leads in three categories with particularly affordable rates for drivers with accidents and those with newer cars. Find your specific rates in the table:
| Young Drivers | Co-operative Insurance | $33 |
| Adult Drivers | Co-operative Insurance | $16 |
| Senior Drivers | Co-operative Insurance | $19 |
| Drivers With An Accident | Union Mutual Insurance | $17 |
| Drivers With A DUI | State Farm | $23 |
| Drivers With A Speeding Ticket | Union Mutual Insurance | $17 |
| Drivers With Bad Credit | Co-operative Insurance | $32 |
| Drivers With Low Income | Co-operative Insurance | $17 |
| Drivers With Newer Cars | Union Mutual Insurance | $20 |
| Drivers With Old Cars | Union Mutual Insurance | $15 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Vermont for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Union Mutual offers the lowest rates at $75 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Union Mutual Insurance | $75 | $906 | -76% |
| Co-operative Insurance | $95 | $1,135 | -70% |
| Vermont Mutual Insurance | $142 | $1,699 | -55% |
| Nationwide | $299 | $3,590 | -5% |
| Frankenmuth Insurance | $303 | $3,635 | -4% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Vermont by City
Where you live in Vermont affects your insurance costs based on local crime, accidents and traffic density. Co-operative charges as little as $15 in Colchester but $17 in West Pawlet. Here are the cheapest providers for every Vermont city.
Data filtered by:Results filtered by:
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City:Adamant
| Adamant | Co-operative Insurance | $16 | -37% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Vermont By Driver Age Group
We analyzed car insurance rates across Vermont for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young Drivers: Co-operative Insurance (From $33/mo)
- Adult Drivers: Co-operative Insurance (From $16/mo)
- Senior Drivers: Co-operative Insurance (From $19/mo)
Cheapest Car Insurance For Young Drivers in Vermont
Young drivers in Vermont get their best rates from Co-operative. Minimum coverage costs $33 per month, saving drivers 58% compared to other providers. Co-operative also leads for full coverage at $102 monthly, saving young drivers 48%.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto Owners | $627 | $7,527 | -23% |
| Co-operative Insurance | $192 | $2,300 | -76% |
| Vermont Mutual Insurance | $311 | $3,732 | -62% |
| Union Mutual Insurance | $356 | $4,273 | -56% |
| Nationwide | $734 | $8,805 | -10% |
Cheapest Car Insurance For Adult Drivers in Vermont
Co-operative Insurance offers Vermont's lowest rates for adult drivers: $16 monthly for minimum coverage and $50 for full coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Frankenmuth Insurance | $303 | $3,635 | -4% |
| Union Mutual Insurance | $75 | $906 | -76% |
| Co-operative Insurance | $95 | $1,135 | -70% |
| Vermont Mutual Insurance | $142 | $1,699 | -55% |
| Nationwide | $299 | $3,590 | -5% |
Cheapest Car Insurance For Senior Drivers in Vermont
Co-operative Insurance offers Vermont seniors the most affordable car insurance rates for both coverage types. Full coverage costs $666 annually, while minimum coverage runs $227 per year.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Vermont Mutual Insurance | $156 | $1,869 | -63% |
| Union Mutual Insurance | $140 | $1,678 | -66% |
| Co-operative Insurance | $104 | $1,250 | -75% |
| Nationwide | $379 | $4,545 | -9% |
| Frankenmuth Insurance | $346 | $4,149 | -17% |
Cheapest Car Insurance For High-Risk Drivers in Vermont
We studied four core areas for profiles insurers consider particularly high-risk in Vermont including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Co-operative (From $32/mo)
- Cheapest With a DUI: State Farm (From $23/mo)
- Cheapest With an Accident: Union Mutual (From $17/mo)
- Cheapest With a Speeding Ticket: Union Mutual (From $17/mo)
Cheapest Car Insurance For Bad Credit in Vermont
Union Mutual offers Vermont drivers with bad credit the most affordable car insurance rates. Annual premiums start at $377 for minimum liability coverage and $1,223 for full coverage policies with comprehensive and collision protection.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Union Mutual Insurance | $102 | $1,223 | -75% |
| Vermont Mutual Insurance | $189 | $2,270 | -54% |
| Co-operative Insurance | $132 | $1,587 | -68% |
| Nationwide | $351 | $4,207 | -16% |
| Geico | $408 | $4,894 | -2% |
Cheapest Car Insurance With a DUI in Vermont
For state minimum liability coverage, Co-operative ranks as the most affordable option for Vermont drivers with DUIs, offering annual rates of $256. State Farm provides the next best value with premiums of $272 per year.
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Below Fair
| Auto Owners | $383 | $4,600 | -18% |
| Progressive | $365 | $4,376 | -22% |
| Co-operative Insurance | $100 | $1,205 | -79% |
| Nationwide | $364 | $4,369 | -22% |
| Union Mutual Insurance | $308 | $3,691 | -34% |
Cheapest Car Insurance With an Accident in Vermont
Vermont drivers with an accident on their record can find the most affordable coverage through Union Mutual Insurance at $16 per month ($195 annually) for liability-only coverage.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
Select
Credit Alignment:Below Fair
| Frankenmuth Insurance | $303 | $3,635 | -4% |
| Union Mutual Insurance | $75 | $906 | -76% |
| Co-operative Insurance | $95 | $1,135 | -70% |
| Vermont Mutual Insurance | $142 | $1,699 | -55% |
| Nationwide | $299 | $3,590 | -5% |
Cheapest Car Insurance With an Speeding Ticket
Vermont drivers with speeding tickets can find the lowest insurance rates with Union Mutual Insurance. The provider offers minimum coverage at $195 per year, while full coverage costs $635 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Union Mutual Insurance | $75 | $906 | -72% |
| Co-operative Insurance | $90 | $1,083 | -67% |
| Vermont Mutual Insurance | $187 | $2,243 | -31% |
| Geico | $223 | $2,680 | -17% |
| Nationwide | $248 | $2,971 | -8% |
How to Get the Cheapest Car Insurance in Vermont
Finding the most affordable insurance companies is just one part of getting the best car insurance rates in Vermont. We've compiled proven methods to help you save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from multiple companies through different channels: directly from insurers, independent agents and comparison sites. Your rates can vary widely depending on how you get quotes, so try all these options.
- 2
Determine Your Coverage Needs
Figure out what coverage you need before you shop. This helps you avoid paying for extras you don't need while getting enough financial protection.
- 3
Evaluate Coverage Levels
If you're trying to cut costs, you can lower your coverage levels and raise your deductibles. First check your finances, how much you drive and what your car is worth to make sure this makes sense.
- 4
Research Costs and Discounts
Look up average costs for drivers like you so you know what's normal. Check what discounts you qualify for and see if bundling home and auto insurance saves you money.
- 5
Explore Alternative Insurance Options
If you don't drive much, check out pay-per-mile insurance or telematics programs that track your driving. These options can save you money compared to regular policies.
- 6
Improve Your Risk Profile
Improve your credit score and keep a clean driving record. Better credit and safe driving usually mean lower rates over time.
- 7
Choose a Cost-Effective Vehicle
If you're buying a car, pick one that's cheaper to insure. Older, reliable cars usually cost less for insurance and repairs than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Vermont
Vermont's minimum required coverage includes 25/50/10 liability coverage ($25,000 for injuries to one person, $50,000 total for injuries in a single accident and $10,000 for property damage) plus mandatory uninsured motorist coverage of 50/100/10. But minimum liability coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Vermont, average property damage claims hit $4,782 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum required coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Vermont's harsh winters and severe storms regularly damage cars. The state saw $3.2 million in weather-related car damage claims in 2023, according to the National Centers for Environmental Information, with incidents ranging from hail damage to flooding. Minimum liability coverage won't pay for weather damage. Add comprehensive coverage to protect against storms, especially if you park outdoors.
Bodily injury damage is more likely to be higher than the minimum limits
Vermont's $25,000 per person bodily injury liability minimum often falls short when accidents cause serious injuries. The average bodily injury claim in Vermont reached $22,340 in 2023, according to the Insurance Information Institute, dangerously close to the minimum limit. Rising healthcare costs mean you could face substantial out-of-pocket expenses beyond your minimum required coverage. Consider increasing coverage to 100/300/100 limits for better financial protection.
Not having uninsured motorist coverage opens you up to unexpected costs
ermont has an uninsured motorist rate of 6.8%, meaning roughly 1 in 15 drivers lack insurance, according to the Insurance Information Institute. While Vermont requires uninsured motorist coverage (50/100/10), this mandatory protection may not cover all your costs in serious accidents. Legal action against uninsured drivers rarely recovers damages. Consider increasing your uninsured motorist coverage beyond the minimum required limits for better financial protection.
Vehicle theft damage is more likely and uncovered
Car theft affects Vermont drivers despite the state's low theft rates. Vehicle thefts increased nationwide in 2023, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $6,000, so comprehensive coverage protects against theft, vandalism and break-in damage.
Cheap Car Insurance in Vermont: Bottom Line
Co-operative is Vermont's most affordable car insurance provider, offering the lowest rates across different driver profiles and coverage types. While getting the cheapest insurance is tempting, price shouldn't be your only consideration. Get as much coverage as you can afford to protect your finances if an accident happens.
Cheap Car Insurance in Vermont: FAQ
Below, we answer common questions about affordable car insurance in Vermont to help you find the right coverage.
What are the cheapest car insurance companies in Vermont?
Co-operative Insurance provides the most affordable car insurance in Vermont, with average rates of $189 annually for minimum coverage and $619 for full coverage. Union Mutual Insurance, State Farm, Vermont Mutual Insurance and GEICO also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Vermont?
Co-operative provides the most budget-friendly rates for young drivers in Vermont, with monthly premiums starting at $33 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Vermont?
Senior drivers in Vermont can find the most competitive rates with Co-operative, offering policies for those 65 and older at an average of $19 monthly for minimum coverage.
Who has the cheapest car insurance in Vermont for bad credit?
Co-operative provides the lowest rates for bad-credit drivers in Vermont, with monthly premiums averaging $32 for minimum coverage and $102 for full coverage.
Who has the cheapest car insurance in Vermont with an accident?
Union Mutual offers the most affordable car insurance rates for Vermont drivers with an accident history, starting at $17 per month for minimum coverage.
Who has the cheapest car insurance in Vermont with a DUI?
State Farm provides the cheapest car insurance after a DUI in Vermont, with rates of $23 monthly for minimum coverage and $96 for full coverage.
Who has the cheapest car insurance in Vermont for those with a speeding ticket?
If you've gotten a speeding ticket in Vermont, Union Mutual offers the lowest rates at $17 monthly for minimum coverage and $53 for full coverage.
Should you buy the cheapest car insurance in Vermont?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Co-operative balances low prices with solid coverage options in Vermont.
How We Found the Most Affordable Car Insurance in Vermont
MoneyGeek collected auto insurance data from the Vermont Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Vermont.
Vermont Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Vermont
We compared car insurance companies in Vermont that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Vermont.
The minimum coverage liability limits in Vermont are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto insurance.." Accessed September 1, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed August 1, 2025.
- National Centers for Environmental Information. "Climate at a Glance: Statewide Time Series." Accessed August 1, 2025.
- National Insurance Crime Bureau. "Auto Thefts Surge in 2023." Accessed August 1, 2025.