Updated: November 17, 2025
Advertising & Editorial Disclosure
Full Coverage: Co-Operative $50 monthly
Liability Only: Co-Operative $16 monthly
Teens: Co-Operative $43 monthly
Young Adults: State Farm $27 monthly
Seniors: Co-Operative $15 monthly
DUI: Co-Operative $21 monthly
SR-22: Co-Operative $23 monthly
Non-Owner: State Farm $34 monthly
Bad Credit: Co-Operative $23 monthly
Why You Can Trust MoneyGeek
We analyzed car insurance rates from major insurers across all Vermont ZIP codes for various driver profiles, including those with clean records, those with violations, and different age groups. Rates show averages for a 40-year-old driver with good credit and a clean record unless otherwise noted. Your actual rate may differ based on your circumstances, location, driving history and coverage options. Read more about MoneyGeek's methodology.
Co-Operative offers Vermont's cheapest full coverage car insurance at $604 a year, breaking down to $50 a month and saving drivers 32% compared to the state average. Union Mutual comes remarkably close at $635 annually, creating tight competition in Vermont's market. State Farm enters at $665 yearly, while Vermont Mutual charges $745 for identical protection.
Drivers prioritizing regional options can find solid rates through Vermont Mutual despite its higher pricing.
| Co-operative Insurance | $50 | $604 | 32% |
| Union Mutual Insurance | $53 | $635 | 28% |
| State Farm | $55 | $665 | 25% |
| Vermont Mutual Insurance | $62 | $745 | 16% |
| Geico | $69 | $832 | 6% |
Co-Operative offers Vermont's cheapest minimum coverage car insurance at $189 a year, working out to $16 a month and sitting 48% cheaper than the state average. Union Mutual matches this affordability at $195 annually, creating a near-tie for liability-only leadership.
State Farm charges $256 a year for minimum coverage, while Allstate and GEICO cluster around $322 to $325 annually. Choosing Co-Operative instead of GEICO puts about $137 back in your pocket yearly, money that covers other vehicle expenses or builds emergency reserves.
| Co-operative Insurance | $16 | $189 | 48% |
| Union Mutual Insurance | $16 | $195 | 47% |
| State Farm | $21 | $256 | 30% |
| Allstate | $27 | $322 | 12% |
| Geico | $27 | $325 | 11% |
Co-Operative leads Vermont's market with the cheapest minimum coverage rates across every major city examined. This statewide consistency makes shopping simpler for Vermont drivers, though rates still vary slightly between urban and rural areas.
State minimum coverage ranges from $15 to $16 monthly across Vermont's geography. Burlington, Rutland and Winooski drivers benefit from the lowest $15 monthly rate, while Bennington and Brattleboro residents pay $16.
| Barre | Co-operative Insurance | $15 | $47 | 38% |
| Bennington | Co-operative Insurance | $16 | $51 | 36% |
| Brattleboro | Co-operative Insurance | $16 | $50 | 37% |
| Burlington | Co-operative Insurance | $15 | $48 | 42% |
| Colchester | Co-operative Insurance | $15 | $47 | 42% |
| Essex Junction | Co-operative Insurance | $15 | $47 | 39% |
| Middlebury | Co-operative Insurance | $16 | $51 | 35% |
| Milton | Co-operative Insurance | $16 | $51 | 36% |
| Montpelier | Co-operative Insurance | $15 | $47 | 38% |
| Newport | Co-operative Insurance | $16 | $50 | 37% |
| Rutland | Co-operative Insurance | $15 | $48 | 41% |
| Shelburne | Co-operative Insurance | $15 | $47 | 40% |
| South Burlington | Co-operative Insurance | $15 | $47 | 41% |
| St. Albans | Co-operative Insurance | $16 | $51 | 36% |
| St. Johnsbury | Co-operative Insurance | $16 | $50 | 37% |
| West Hartford | Co-operative Insurance | $16 | $50 | 38% |
| Williston | Co-operative Insurance | $15 | $47 | 40% |
| Winooski | Co-operative Insurance | $15 | $47 | 42% |
Co-Operative offers Vermont's cheapest full coverage car insurance for teens at $49 monthly for 16-year-olds, maintaining that rate through age 17. Prices drop steadily as drivers gain experience, falling to $43 at age 18, $38 at 19 and $36 at 20. State Farm takes over market leadership at age 25 with $27 monthly rates, saving young adults about $264 annually compared to teen pricing.
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 Mutual offers the lowest senior rates for 65-year-old drivers at $47 a month for minimum coverage, although their full coverage costs only $43 per month. This pricing reversal shows how insurers value experienced drivers with clean records differently. Co-Operative takes the lead for 70-year-olds at $15 for minimum coverage and $45 for maximum protection. For 80-year-olds, Co-Operative maintains the lowest rates at $21 for liability-only coverage and $61 for comprehensive coverage.
Full coverage costs rise just $16 monthly from age 70 to 80, a modest increase that contrasts sharply with the volatility younger drivers face. Both carriers deliver prices 35% to 48% below Vermont's average, rewarding decades of safe driving with rates reflecting lower risk profiles.
| 65 | Vermont Mutual | $47 | $43 | 35% |
| 70 | Co-operative Insurance | $15 | $45 | 47% |
| 80 | Co-operative Insurance | $21 | $61 | 48% |
Co-Operative offers Vermont's cheapest minimum coverage car insurance for drivers with a DUI at $21 a month, with State Farm nearly matching at $23. Full coverage shifts the advantage to State Farm at $59 monthly, undercutting Co-Operative's $69 rate by $10. Both companies deliver rates far below what most high-risk drivers pay statewide.
Progressive enters at $46 for minimum coverage and $91 for comprehensive protection, while Allstate charges $37 for liability-only but jumps to $111 for full coverage. The premium spread between Vermont's cheapest and most expensive high-risk insurers exceeds $50 monthly, making carrier selection critical after DUI convictions.
| State Farm | $23 | $59 | 65% |
| Co-operative Insurance | $21 | $69 | 62% |
| Progressive | $46 | $91 | 42% |
| Allstate | $37 | $111 | 37% |
| Auto Owners | $60 | $137 | 16% |
Co-Operative offers Vermont's cheapest SR-22 insurance at $23 a month for minimum coverage, sitting 39% below the state average and providing high-risk drivers with surprisingly affordable options. Full coverage through Co-Operative runs $74 monthly, still maintaining competitive pricing despite SR-22 filing requirements. Union Mutual serves as the closest competitor at $28 for minimum coverage and $79 for comprehensive protection.
State Farm charges $31 for liability-only SR-22 coverage and $81 for full coverage, while Vermont Mutual's rates climb to $43 and $91 respectively. The difference between Co-Operative and Vermont Mutual compounds to $240 annually for minimum coverage, substantial savings for drivers already facing elevated premiums.
| Co-operative Insurance | $23 | $74 | 39% |
| Union Mutual Insurance | $28 | $79 | 32% |
| State Farm | $31 | $81 | 30% |
| Vermont Mutual | $43 | $91 | 15% |
State Farm offers Vermont's cheapest non-owner car insurance at $34 a month for minimum coverage, sitting 42% below the state average. This policy works well for people who need proof of insurance without owning a car.
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.
| State Farm | $34 | 42% |
Union Mutual offers Vermont's cheapest minimum coverage after an at-fault accident at $16 a month, sitting 51% below the state average and providing relief for drivers facing rate increases. Full coverage stays affordable through Union Mutual at $53 monthly, edging out Co-Operative's $65 rate by $12. State Farm and Vermont Mutual both charge between $62 and $64 for full coverage, clustering in a competitive middle tier.
Premiums jump 20% to 40% after at-fault accidents, with elevated rates persisting for three to five years. Union Mutual's pricing advantage becomes especially valuable during this high-risk period, potentially saving drivers hundreds annually while their record clears.
| Union Mutual Insurance | $16 | $53 | 51% |
| Co-operative Insurance | $22 | $65 | 39% |
| State Farm | $25 | $64 | 38% |
| Vermont Mutual Insurance | $28 | $62 | 37% |
Union Mutual provides Vermont's cheapest car insurance after a speeding ticket with minimum coverage at $16 a month and full coverage at $53, maintaining rates remarkably close to clean-record pricing. Co-Operative follows at $19 for liability-only and $62 for comprehensive protection, while State Farm charges $23 for minimum coverage but offers a competitive $59 rate for full coverage. The premium spread between these top three carriers stays relatively narrow, giving ticketed drivers genuine options.
GEICO sets the full coverage rate at $84 a month after speeding violations, making Union Mutual's $53 rate seem very competitive by comparison. That $31 monthly difference adds up to $372 in yearly savings, which is significant when you're already facing higher insurance costs. Vermont Mutual's rates are similarly high at $82 for full coverage, highlighting why shopping around becomes essential after traffic violations.
| Union Mutual Insurance | $16 | $53 | 44% |
| Co-operative Insurance | $19 | $62 | 34% |
| State Farm | $23 | $59 | 34% |
| Geico | $33 | $84 | 5% |
| Vermont Mutual Insurance | $36 | $82 | 4% |
Co-Operative offers Vermont's most affordable minimum coverage car insurance for drivers with poor credit at $274 per year, breaking down to $23 per month and delivering crucial affordability for drivers facing credit challenges. Full coverage through Co-Operative runs $73 monthly, edging out Union Mutual's $75 rate by $2. While this difference seems modest month-to-month, it compounds to $28 in annual savings when budgets are already strained.
Vermont Mutual's prices jump to $62 a month for minimum coverage and $142 for comprehensive protection, more than doubling the rates of Co-Operative. GEICO charges even more at $77 and $192 respectively, while Nationwide leads the market at $123 for liability-only coverage. Bad credit can triple insurance costs in Vermont, making the choice of carrier one of the most important financial decisions drivers with poor credit can make.
| Co-operative Insurance | $23 | $73 | 72% |
| Union Mutual Insurance | $23 | $75 | 71% |
| Vermont Mutual Insurance | $62 | $142 | 41% |
| Geico | $77 | $192 | 22% |
| Nationwide | $123 | $212 | 2% |
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.
Get quotes from three to five providers to maximize your savings. Check both national and regional carriers, since regional companies like Co-Operative Companies and MAPFRE often offer the cheapest car insurance rates in certain Vermont metro areas.
MoneyGeek’s auto insurance calculator gives you a personalized price estimate based on your location and profile. It’s free to use, doesn't require personal information and will not generate spam.
Apply multi-car discounts for 10% to 25% off and bundle home and auto policies for 5% to 25% savings. Defensive driver programs offer savings for seniors. Good student discounts provide 10% to 15% off and low-mileage discounts reduce premiums by 15% to 30%.
Major life changes often shift your insurance needs. Because Vermont has big city-to-city rate variations, a move from Burlington to Rutland could lower your monthly costs by about $200.
If you are a high-risk driver unable to obtain insurance through traditional means, Vermont's Automobile Insurance Plan Service Office (AIPSO) provides last-resort protection. While this state-sponsored program ensures you meet legal requirements, be aware that premiums are usually higher than standard market options.
Insurance prices change often, so review your policy each renewal period to make sure you’re getting the best rate. Changes in your driving habits or credit score have a big effect on your premium.
Download your insurer's mobile app to track driving habits. Many carriers offer telematics programs that monitor safe driving behaviors, potentially earning you usage-based discounts of up to 30%.
If you're trying to figure out the best affordable car insurance options in Vermont, these answers can help clear things up.
Vermont car insurance usually ranges from $30 to $60 monthly for minimum coverage and $80 to $150 for full coverage, depending on your location and driving profile. Urban areas like Burlington generally see higher rates than rural communities due to increased accident risks and theft rates.
Your specific cost depends on factors like your driving record, age and chosen coverage limits. Compare quotes from multiple providers to get an idea of Vermont car insurance costs and find the best coverage.
Buying the cheapest car insurance isn’t always the best choice, since low-cost policies may not offer enough financial protection in a serious accident. It’s better to compare options and choose a plan that fits both your budget and your coverage needs.
Vermont’s minimum coverage keeps you legal and the state follows an at-fault system, meaning the driver who causes the accident pays for the damages.
The required limits are $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. These amounts can run out fast after a major accident, so many drivers choose higher limits for better financial protection.
Vermont operates as an at-fault state, not a no-fault system. Vermont drivers carry traditional liability insurance that covers damage they cause to others in accidents.
The at-fault driver's insurance pays for the other party's medical bills, property damage and other losses. Injured parties can file lawsuits against at-fault drivers for additional compensation beyond insurance limits.
Vermont allows insurers to use gender when setting car insurance rates, so young male drivers often pay higher premiums than young female drivers with similar coverage and driving records. Some insurers in the state choose not to use gender as a rating factor.
Note: Insurance rules regulations over time. Check Vermont’s current regulations or talk to a licensed agent to get the most up-to-date information on rating factors.
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.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
