Cheapest Car Insurance in Vermont

The most affordable full-coverage car insurance is available through Co-Operative. Priced at just $50 per month ($604 per year), this premium offers substantial relief, saving Vermont drivers 32% below the State's average. Drivers prioritizing a regional option can find excellent rates through Vermont Mutual, which charges $62 monthly or $745 annually.

If you’re looking for the lowest liability-only rate, Co-Operative leads with $16 per month ($189 annually), 48% below the state average. GEICO is the most expensive at $27 per month, so choosing Co-Operative instead results in about $137 in yearly savings.

Co-Operative dominates the Vermont market, consistently offering the state’s most competitive minimum coverage rates across all major cities examined. The provider offers the most affordable option in every listed market.

Rates for state-minimum coverage are remarkably consistent across Vermont. The best available monthly premium usually ranges from $15 to $16. Drivers in cities like Burlington, Rutland and Winooski benefit from the lowest rate of $15 per month.

Teen drivers will find the lowest rates with Co-Operative, which starts at $49 a month for 16-year-olds. As drivers age, costs continue to fall. By 25, State Farm takes the lead at $27 a month, saving young adults about $264 a year.

Co-Operative stays on top for ages 16 to 20, where prices steadily drop from $49 to $36. At 25, State Farm becomes the most budget-friendly pick.

*Teens under 18 usually need a parent or guardian to cosign before they can buy auto insurance.

Vermont Mutual offers the lowest senior rates for 65-year-old drivers at $47 a month. For 80-year-olds, Co-Operative becomes the cheaper option at $21 a month, a $26 drop over 15 years. Both companies give great value for seniors who need affordable minimum coverage, with prices 35% to 48% below the state average.

Co-Operative is the cheapest option in Vermont for drivers who need minimum coverage after a DUI, offering a rate of $21 a month. State Farm is close behind at $23. For full coverage, high-risk drivers will find the lowest price with State Farm at $59 a month, with Co-Operative next at $69.

The most affordable option for low-cost SR-22 insurance is Co-Operative at just $23 per month for minimum coverage. While Union Mutual initially appears competitive at $28 monthly (32% below the state average), Co-Operative provides the absolute lowest rate. Furthermore, Co-Operative also offers comprehensive protection, offering full coverage at $74 monthly.

For drivers who need proof of insurance but don’t own a vehicle, State Farm offers the most affordable non-owner coverage in Vermont at $34 a month for minimum coverage, which is 42% below the state average. 

This type of policy is helpful for license reinstatement, SR-22 filings or frequent car rentals. Non-owner insurance usually costs less because it only provides liability coverage.

Union Mutual offers the most affordable solution after an incident, providing minimum coverage for just $16 per month, which is 51% below the state average. For complete coverage, Union Mutual remains the low-cost option at $53 per month, while Co-Operative costs $65. Be prepared for premiums to jump 20% to 40% after an at-fault accident, remaining elevated for three to five years.

Drivers in Vermont will find the lowest minimum coverage rate after a speeding ticket with Union Mutual at $16 a month ($195 a year). Union Mutual also offers the cheapest full coverage at $53 a month, slightly lower than State Farm’s $59 rate.

GEICO is the most expensive for full coverage after a speeding violation, charging $84 a month.

For Vermont drivers with poor credit who need affordable minimum coverage, Co-Operative offers the lowest rate at $23 a month ($274 a year). It also provides full coverage at $73 a month, which is $2 less per month and $28 less per year than Union Mutual.

Drivers looking for low-income coverage options often choose Co-Operative because of its competitive rates.

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.