Cheapest Car Insurance in Vermont for 2026

Vermont has very low car insurance rates due to its low population density and minimal traffic congestion outside Burlington. The state's rural character means accident frequency on secondary roads is very low compared to urban states.

A strong competitive market among regional insurers keeps prices low: Co-operative Insurance, Union Mutual and Vermont Mutual all compete for market share. Vermont's at-fault system with no mandatory PIP requirement reduces baseline coverage costs. Vehicle theft rates in Vermont are among the lowest in the nation. Drivers can review state-specific cost factors at the average cost of car insurance in Vermont.

Vermont's statewide average gap between minimum and full coverage is $45/month ($540/year), based on minimum averaging $30/month and full coverage averaging $75/month. At Co-operative Insurance, the gap is $34/month ($16 minimum vs. $50 full coverage). Vermont's 25/50/10 minimum coverage covers the other party's costs when at fault, and the required UM/UIM at 50/100 adds protection if a driver is hit by an uninsured motorist. Minimum coverage does not cover the driver's own vehicle, and the $10,000 property damage minimum will not cover repairs to a modern vehicle.

Our full coverage benchmark is 100/300/100: $100,000 per person bodily injury, $300,000 per accident bodily injury, and $100,000 property damage, plus comprehensive coverage and collision coverage with a $1,000 deductible. An at-fault accident causing $40,000 in medical costs for one person exceeds Vermont's $25,000 per-person minimum by $15,000, making the driver personally liable for the difference. The 100/300/100 benchmark covers the full amount.

Comprehensive coverage is relevant in Vermont. Moose, deer, and black bear crossings on rural roads create wildlife collision risk, among the highest of any state. A single moose strike can total a vehicle. Lenders also require comprehensive and collision insurance on financed vehicles. Drivers can review coverage needs at how much car insurance do I need.

Co-operative is the cheapest for young adult drivers at $102/month, which is $10/month less than State Farm at $112/month. Vermont's family policy teen data follows an unusual gender pattern. At ages 17 to 20, State Farm leads females (for example, $179/month at age 17) while Co-operative leads males ($190/month at age 17), meaning females are cheaper at these ages.

At age 21, the pattern reverses sharply: Co-operative Insurance leads both genders, but the male rate ($146/month) is $51/month more than the female rate ($95/month), the largest post-adolescent gender gap in this series. Both genders converge at Vermont Mutual's $57/month at age 25.

Co-operative offers the cheapest car insurance for seniors at $55/month, only $5/month above its standard adult full coverage rate of $50/month, representing a minimal senior surcharge. State Farm at $60/month is the second cheapest. The spread from the cheapest provider to the 4th-cheapest (GEICO at $80/month) is $25/month ($300/year).

Union Mutual is the cheapest for Vermont drivers with a speeding ticket at $53/month. State Farm at $59/month is the second cheapest. The difference from the cheapest to the fifth-cheapest provider (GEICO at $84/month) is $31/month.

Union Mutual has the lowest cost for Vermont drivers with an at-fault accident at $53/month. Vermont Mutual at $62/month is the second most affordable insurer. The top 5 shows a $69/month spread, with the fifth-cheapest provider (Auto- Owners at $122/month) representing the widest at-fault spread in this series.

State Farm is the most affordable for Vermont drivers with a DUI at $59/month. Co-operative at $69/month is the second cheapest. The spread from the cheapest to the fifth-cheapest provider (Auto-Owners at $137/month) is $78/month. Vermont requires SR-22 filing after certain violations.

Union Mutual leads for Vermont drivers with a texting while driving violation at $53/month. Co-operative at $57/month is the second cheapest. The spread from the cheapest to the fifth-cheapest provider (Allstate at $94/month) is $41/month.

Union Mutual and Co-operative tie at $102/month for drivers with poor credit, roughly double their respective clean-record rates of $53/month and $50/month. Vermont Mutual Insurance at $189/month is third, a large jump from the co-leaders. Credit-based insurance scoring uses credit history to predict claim risk. Drivers can compare options at the best car insurance in Vermont.