Cheapest Car Insurance in Vermont

Co-Operative provides Vermont’s cheapest full coverage at $604 a year, or about $50 a month, giving drivers a 32% savings compared to the state average. Union Mutual follows closely at $635 a year, making the competition for the top spot fairly tight. State Farm comes in at $665 annually, while Vermont Mutual charges $745 for the same level of protection.

Drivers who want to stay with a regional provider can still find dependable rates through Vermont Mutual, even with its slightly higher pricing.

Vermont drivers looking for the lowest minimum coverage rates will find Co-Operative at the top, costing $189 a year, or about $16 a month, 48% below the state average. Union Mutual comes very close at $195 a year, creating an almost even match for the cheapest liability-only option.

State Farm charges $256 a year for minimum coverage, while Allstate and GEICO fall in the $322–$325 range. Choosing Co-Operative over GEICO saves about $137 a year, money that can go toward other car expenses or help grow an emergency fund.

Co-Operative offers the lowest minimum coverage rates in every major Vermont city reviewed. This consistency helps simplify shopping for drivers, even though prices still shift a bit between urban and rural areas.

Minimum coverage in the state ranges from $15 to $16 a month. Drivers in Burlington, Rutland and Winooski pay the lowest rate at $15, while Bennington and Brattleboro see $16 a month.

Co-Operative offers the cheapest full coverage in Vermont for teen drivers at $49 a month for 16-year-olds, and that rate stays the same at age 17. Costs begin to ease as teens gain more experience, dropping to $43 at 18, $38 at 19 and $36 at 20. 

By age 25, State Farm becomes the most affordable option at $27 a month, giving young adults roughly $264 in yearly savings compared to teen rates.

Note: Teens under 18 need a parent or guardian to cosign insurance policies, so most families add teen drivers to existing coverage instead of purchasing separate policies.

Vermont senior drivers will find that Vermont Mutual offers the lowest rates for 65-year-olds, charging $47 a month for minimum coverage and $43 for full coverage. This pricing flip between coverage types highlights how insurers weigh the driving history of long-time motorists. For 70-year-olds, Co-Operative offers the best deal at $15 for minimum coverage and $45 for full coverage. At age 80, Co-Operative continues to lead with $21 for liability-only and $61 for comprehensive protection.

Full coverage only increases by $16 a month from age 70 to 80, which is a much gentler shift compared with what younger drivers experience. Both providers offer rates 35% to 48% below Vermont’s average, giving older drivers meaningful savings that reflect their lower risk.

Co-Operative offers the cheapest minimum coverage in Vermont for drivers with a DUI at $21 a month, with State Farm close behind at $23. For full coverage, the advantage shifts to State Farm, which charges $59 a month compared with Co-Operative’s $69 rate. Both companies offer prices well below what many high-risk drivers pay across the state.

Progressive comes in at $46 for minimum coverage and $91 for full coverage, while Allstate charges $37 for liability-only and $111 for full coverage. The gap between Vermont’s lowest and highest high-risk rates is more than $50 a month, so choosing the right provider becomes especially important after a DUI.

Co-Operative offers Vermont’s cheapest SR-22 insurance at $23 a month for minimum coverage, which is 39% below the state average and gives high-risk drivers a more affordable option. Full coverage from Co-Operative costs $74 a month, staying competitive even with SR-22 filing requirements. Union Mutual is the closest alternative at $28 for minimum coverage and $79 for full coverage.

State Farm charges $31 for liability-only SR-22 coverage and $81 for full coverage, while Vermont Mutual sits higher at $43 and $91. The gap between Co-Operative and Vermont Mutual adds up to $240 a year for minimum coverage, a meaningful difference for drivers already dealing with increased premiums.

State Farm provides the cheapest non-owner car insurance in Vermont at $34 a month for minimum coverage, which is 42% below the state average. This option works well for drivers who need proof of insurance but don’t own a vehicle.

Non-owner policies are often used for license reinstatement, SR-22 filings or frequent car rentals. They also tend to cost less because they only include liability coverage.

After an at-fault accident, Union Mutual offers Vermont’s cheapest minimum coverage at $16 a month, sitting 51% below the state average and helping ease the impact of higher premiums. Full coverage through Union Mutual is also low at $53 a month, which is $12 less than Co-Operative’s $65 rate. State Farm and Vermont Mutual fall close together, each charging between $62 and $64 for full coverage.

Premiums usually rise 20% to 40% after an at-fault accident, and these higher rates can last for three to five years. Union Mutual’s lower pricing becomes especially helpful during this time, giving drivers the chance to save several hundred dollars while their record improves.

Drivers with a recent speeding ticket will find Union Mutual offers the lowest rates in Vermont, with minimum coverage at $16 a month and full coverage at $53. Co-Operative comes next at $19 for liability-only and $62 for full coverage, while State Farm charges $23 for minimum coverage and a competitive $59 for full coverage. The gap between these three providers is small, giving ticketed drivers a few solid choices.

Full coverage jumps with other companies. GEICO charges $84 a month after speeding violations, making Union Mutual’s $53 rate look especially appealing. That $31 monthly difference reaches $372 a year. Vermont Mutual is also on the higher end at $82 for full coverage, showing how important it is to compare quotes after a ticket.

Co-Operative offers Vermont’s cheapest minimum coverage for drivers with poor credit at $274 per year ($23 per month). Full coverage from Co-Operative costs $73 a month, which is $2 lower than Union Mutual’s $75 rate and adds up to $28 in yearly savings. Rates rise quickly with other companies. 

Vermont Mutual charges $62 a month for minimum coverage and $142 for full coverage, which is more than double Co-Operative’s prices. GEICO is higher at $77 and $192 and Nationwide has the steepest minimum coverage at $123 a month. Bad credit can triple insurance costs in Vermont, so choosing the right provider matters a lot for budget-conscious drivers.

Your personal details, including your location, driving history, age and credit score, all affect what you pay for car insurance in Vermont. 

Minimum coverage starts at $16 a month with Co-Operative, while full coverage averages $50 a month from the same provider. You can save hundreds of dollars each year by comparing insurers and using available discounts.

If you're trying to figure out the best affordable car insurance options in Vermont, these answers can help clear things up.

Our Research Approach

Vermont's car insurance market presents unique challenges. Rates vary a lot between Burlington's urban corridors and rural mountain towns and the state's harsh winters create distinct risk profiles that insurers price differently. 

The state also requires uninsured motorist coverage, adding another cost factor most drivers don't fully understand. Our research cuts through this complexity to identify which insurers offer the lowest rates across Vermont's diverse markets.

We collected auto insurance data from the Vermont Department of Insurance and Quadrant Information Services, analyzing quotes from 12 major insurers and reviewing more than 200 million rate comparisons across every residential ZIP code in Vermont.

Sample Driver Profile

Our baseline rates use a 40-year-old driver with good credit and a clean driving record. This profile reflects many Vermont drivers who don’t have violations or poor credit that raise premiums. You’ll see base rates here, but your personal quote will change based on your own driving history, credit and location.

Coverage Levels We Compared

We analyzed two coverage scenarios:

Minimum coverage: Vermont's required liability limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $10,000 per accident for property damage (25/50/10). This meets legal requirements but often falls short in serious accidents.

Full coverage: Liability limits of $100,000/$300,000/$100,000 plus comprehensive and collision coverage with a $1,000 deductible. You're covered for damage you cause to others and repairs to your own vehicle.

Location Affects Your Rate

Vermont rates swing wildly by location. Your neighbor one town over might pay less for the same coverage. Our ZIP code analysis shows where drivers overpay because of geography.

See our full methodology page for complete details about our data sources, rating methodology and analysis framework.