Cheapest Car Insurance in Vermont for 2026

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Updated: July 17, 2026

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Union Mutual Insurance has the cheapest car insurance in Vermont at $57 a month for full coverage and $17 a month for minimum coverage. Drivers with DUI violation can get the cheapest rate from State Farm costing $62 a month. 

Co-operative Insurance is cheapest for teen drivers at 16, starting at $174 a month for both males and females, and for seniors at $53 a month. To compare how each company scores on customer service, claims handling and coverage options, see the best car insurance in Vermont.

Minimum Coverage
Union Mutual Insurance
$17
4.25/5
Full Coverage
Union Mutual Insurance
$57
4.25/5

16-Year-Old Male

Co-operative Insurance
$174
4.30/5

16-Year-Old Female

Co-operative Insurance
$174
4.30/5

Young Adults

State Farm
$74
4.34/5

Seniors (70+)

Co-operative Insurance
$53
4.30/5
Speeding ticket
Union Mutual Insurance
$57
4.25/5
At-fault accident
Union Mutual Insurance
$57
4.25/5
DUI
State Farm
$62
4.34/5
Bad credit
Union Mutual Insurance
$110
4.25/5
Union Mutual Insurance

Union Mutual Insurance

Best Cheap Car Insurance for Full Coverage in Vermont

Union Mutual Insurance is the best cheap full coverage option in Vermont at $57 a month. A full coverage policy from Union Mutual includes collision, comprehensive, liability, uninsured and underinsured motorist coverage and medical payments coverage. Optional add-ons include accident forgiveness, roadside assistance and rental reimbursement. Union Mutual holds an A financial strength rating from AM Best, which indicates the financial backing to meet claims obligations. Rates, scores and coverage details are at the Union Mutual Insurance car insurance review.

Cheapest Car Insurance by Coverage Type in Vermont

Union Mutual Insurance
$17
$57
4.25/5
State Farm
$23
$59
4.34/5
Co-operative Insurance
$20
$64
4.30/5
Progressive
$40
$75
4.02/5
GEICO
$32
$80
3.77/5

Cheapest minimum coverage in Vermont

Union Mutual Insurance is the cheapest option for minimum coverage in Vermont at $17 a month. Co-operative Insurance is second at $20 a month with a 4.30/5 MoneyGeek score versus Union Mutual's 4.25/5. Drivers who want the marginally higher score pay $36 more a year.

Cheapest full coverage in Vermont

Union Mutual Insurance charges $57 a month for full coverage in Vermont. State Farm is $2 more at $59 and holds the highest MoneyGeek score in the table at 4.34/5. The $2 monthly difference is $24 a year for a 0.09-point score improvement.

How to choose between minimum and full coverage in Vermont

Full coverage costs $40 more a month than minimum coverage at Union Mutual, or $480 a year. Vermont is an at-fault state with no PIP requirement. Minimum coverage pays nothing toward your own vehicle after a collision, theft or weather event. For most Vermont drivers, full coverage is the stronger choice. The state's rural roads bring moose, deer and ice risks that minimum coverage leaves entirely out of pocket. For drivers who own an older car outright with a value below $6,800, minimum coverage is worth evaluating. Use the Vermont car insurance calculator to check the numbers for your vehicle.

Cheapest Car Insurance for Teens and Young Adults in Vermont

Co-operative Insurance is the cheapest option for 16-year-old drivers in Vermont at $174 a month for both males and females. Co-op does not use gender as a pricing variable at that age, which is why the rates match. At 17, Auto-Owners is cheapest for female drivers at $169 a month. Male drivers stay with Co-op at $174 through age 20.

Both genders move to Co-operative Insurance at 21 and 22. State Farm takes over at 23 and holds the lowest rate through age 25 at $74 a month. Get new quotes at each of those transition ages. For the steps to make each switch, see how to switch car insurance companies.

16
Co-operative Insurance
$174
Co-operative Insurance
$174
3.52/5
17
Auto-Owners
$169
Co-operative Insurance
$174
4.58/5
18
Co-operative Insurance
$153
Co-operative Insurance
$153
3.52/5
19
Auto-Owners
$137
Co-operative Insurance
$138
4.58/5
20
Auto-Owners
$127
Co-operative Insurance
$130
4.58/5
21
Co-operative Insurance
$114
Co-operative Insurance
$114
3.52/5
22
Co-operative Insurance
$104
Co-operative Insurance
$104
3.52/5
23
State Farm
$93
State Farm
$93
3.80/5
24
State Farm
$84
State Farm
$84
3.80/5
25
State Farm
$74
State Farm
$74
3.80/5
Co-Operative Insurance

Co-Operative Insurance

Best Cheap Car Insurance for Teens and Young Adults in Vermont

Co-operative Insurance is the best cheap option for Vermont teen drivers at age 16, starting at $174 a month for both males and females. Co-operative Insurance has been writing Vermont policies since 1915 and handles everything through local independent agents. For parents adding a first-time driver, that means working with someone in-state who knows Vermont's roads and underwriting conditions, not a national call center. Teen drivers maintaining a B average can lower the rate through Co-op's good student discount. Get new quotes when the driver turns 23. A full overview of Co-operative Insurance's coverage and ratings is at its Co-operative Insurance car insurance review.

Cheapest Car Insurance for Seniors in Vermont

Co-operative Insurance is the cheapest senior option in Vermont at $53 a month. That's $4 less than the cheapest adult full coverage rate in the state. Vermont is one of the few states where seniors pay less than middle-aged drivers. State Farm is next at $57 a month with a stronger 3.80/5 customer experience score versus Co-op's 3.52/5. Low-mileage seniors should run the Drive Safe & Save numbers at State Farm, which can lower that $57 base rate by up to 30% at renewal. At the maximum discount, the adjusted rate falls below Co-op's $53 base.

Co-operative Insurance
$53
3.52/5
State Farm
$57
3.80/5
Union Mutual Insurance
$60
3.58/5
GEICO
$75
3.65/5
Progressive
$81
3.90/5
State Farm

State Farm

Best Cheap Car Insurance for Seniors in Vermont

State Farm is the best cheap option for seniors in Vermont when mileage is taken into account. Its base rate of $57 a month is $4 above Co-op's $53, but Drive Safe & Save can reduce that by up to 30% at renewal for low-mileage drivers. At the maximum discount, the adjusted rate falls to approximately $40 a month. State Farm also scores higher on customer experience at 3.80/5. For seniors who want stronger service quality and a path to a lower rate, State Farm is the stronger choice. A full overview of State Farm's coverage and ratings is at its State Farm car insurance review.

Cheapest Car Insurance by City in Vermont

Co-operative Insurance is the cheapest option in all 19 Vermont cities in the data, with minimum coverage ranging from $15 a month in Burlington and nine other cities to $16 a month in Bennington and eight others. That $1 difference across the entire state confirms that where you live in Vermont has almost no effect on your rate. The company you choose matters far more than your city.

Barre
Co-operative Insurance
$15
Burlington
Co-operative Insurance
$15
Colchester
Co-operative Insurance
$15
Essex Junction
Co-operative Insurance
$15
Montpelier
Co-operative Insurance
$15
Rutland
Co-operative Insurance
$15
Shelburne
Co-operative Insurance
$15
South Burlington
Co-operative Insurance
$15
Williston
Co-operative Insurance
$15
Winooski
Co-operative Insurance
$15
Brattleboro
Co-operative Insurance
$16
Newport
Co-operative Insurance
$16
Northfield
Co-operative Insurance
$16
St. Johnsbury
Co-operative Insurance
$16
Bennington
Co-operative Insurance
$16
Middlebury
Co-operative Insurance
$16
Milton
Co-operative Insurance
$16
St. Albans
Co-operative Insurance
$16
Swanton
Co-operative Insurance
$16

Cheapest Car Insurance for High Risk Drivers in Vermont

Union Mutual Insurance prices speeding tickets, at-fault accidents and texting while driving violations at the same $57 a month it charges clean-record drivers. None of those violations raise the rate at Union Mutual. DUI is the exception. State Farm is cheapest at $62 a month for that violation. Vermont requires an SR-22 filing for three years from the date of the event that caused the requirement.

For bad credit, Union Mutual is still cheapest at $110 a month, $53 above its own clean-record rate. The same driver, same coverage, same company pays nearly twice as much. Once credit improves, State Farm at $59 a month is the next cheapest option and recovers $51 a month from the bad-credit rate.

Speeding Ticket
Union Mutual Insurance
$57
3.58/5
At-Fault Accident
Union Mutual Insurance
$57
3.58/5
DUI
State Farm
$62
3.80/5
Texting While Driving
Union Mutual Insurance
$57
3.58/5
Bad Credit
Union Mutual Insurance
$110
3.58/5

How to Get Cheaper Car Insurance in Vermont

Vermont car insurance rates vary more by coverage level than by company. Switching from the most expensive full coverage option in the table to Union Mutual saves $23 a month. Dropping from full to minimum coverage at Union Mutual saves $40 a month. Violations, credit and discount programs each move the rate further. The steps below cover all of them.

  1. 1
    Compare at least three Vermont insurers and save up to $23 a month

    Union Mutual charges $57 a month for full coverage in Vermont. GEICO charges $80. The $23 difference is $276 a year for the same coverage. Get quotes from Union Mutual, State Farm and Co-operative Insurance at minimum before renewing. Rates shift at every renewal.

  2. 2
    Match your coverage level to your vehicle's value and save up to $40 a month

    Dropping from full to minimum coverage at Union Mutual saves $40 a month, or $480 a year. A vehicle worth less than $6,800 may not justify the $684 annual cost of full coverage. Vermont's 25/50/10 minimum leaves the $10,000 property damage limit exposed in a serious at-fault accident. Use the Vermont car insurance calculator to check the numbers for your vehicle.

  3. 3
    Bundle home and auto with the same company

    Bundling a homeowners or renters policy with your auto policy earns a multi-policy discount at most Vermont insurers. Confirmed bundle options are at best home and auto bundle.

  4. 4
    Get new quotes when your violation ages off and recover up to $5 a month

    DUI is the only violation type that raises rates at the cheapest Vermont options. Union Mutual prices speeding, at-fault accidents and texting while driving violations at clean-record rates. For DUI drivers at State Farm, the $5 monthly surcharge clears at the three-year window. Get new quotes at that renewal.

  5. 5
    Improve your credit score before renewal and recover up to $53 a month

    Vermont permits credit-based insurance scoring. Union Mutual charges $110 a month for poor credit and $57 a month for good credit. Same driver, same company, same coverage. The difference is $53 a month, or $636 a year. Improve your credit before a renewal date. Then get new quotes. That difference shows up at the next renewal.

  6. 6
    Enroll in a discount program

    Union Mutual and Co-operative Insurance have no telematics programs. Contact a local agent at either company about multi-policy or loyalty discounts. State Farm's Drive Safe & Save tracks driving behavior and can lower the rate by up to 30% at renewal for drivers 25 and older. It cannot raise your rate.

MoneyGeek analyzed car insurance rates in Vermont using data from Quadrant Information Services, collected from insurance company filings with the Vermont Department of Financial Regulation across all residential ZIP codes in Vermont. These are filed rates, not online quote estimates.

The baseline driver is a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit and 12,000 annual miles. Full coverage uses 100/300/100 liability with a $1,000 deductible. Minimum coverage reflects Vermont's required 25/50/10 limits. Profile variations include young drivers ages 16 to 25 split by gender, a senior driver at age 70, one-variable violation profiles, and a poor-credit profile. USAA is excluded from all tables. It is available only to military members, veterans and immediate family. Eligible drivers should include USAA in any comparison.

Vermont is an at-fault state with no personal injury protection requirement. Vermont requires UM/UIM coverage at a minimum of 50/100 bodily injury, higher than the 25/50 liability floor. SR-22 filing is required after a DUI and certain other violations. The SR-22 must be maintained for three years from the date of the event that caused the requirement. A policy lapse during that period triggers immediate license re-suspension. Vermont permits credit-based insurance scoring. Gender is a permitted rating factor in Vermont. Vermont's uninsured driver rate is approximately 7%, well below the national average.

MoneyGeek scores carriers on three factors: affordability (60% of score, normalized rates across all carriers within each driver profile), customer experience (30%, based on J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings) and coverage options (10%, based on the breadth of available add-ons and included benefits). The Overall MoneyGeek Score shown in summary tables reflects this composite. Customer experience sub-scores shown in section-level tables reflect the customer experience component only and differ from the overall score.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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