Updated: September 26, 2025
Advertising & Editorial Disclosure
Vermont Mutual Insurance ranks 4th for full coverage affordability and 5th for minimum liability coverage with average rates of $86 and $37 monthly, respectively.
Vermont Mutual Insurance ranks 10th nationwide for overall customer satisfaction, placing it in the middle tier due to adequate agent service and mixed forum reviews.
Vermont Mutual Insurance earns the 12th spot for coverage options, offering specialized protection like farm and rural property coverage plus classic car insurance for vintage vehicle owners.
Vermont Mutual Insurance ranks ninth overall nationally, placing it among the best car insurance companies for most drivers. The company is recognized for affordability and performs respectably in customer experience, landing in the top 10.
This ranking reflects a 40-year-old male driver with good credit and no driving violations, so your personal ranking will vary based on your individual profile and coverage requirements.
| Overall Score | 4.52 | 9 |
| Customer Experience | 4.55 | 10 |
| Coverage | 2.50 | 12 |
| Affordability | 4.85 | 4 |
Vermont Mutual Insurance excels for drivers seeking affordable coverage, particularly senior drivers, adult drivers, those with an accident history, and owners of both newer and older cars. However, drivers with a DUI should look elsewhere due to higher premiums.
Below, you can compare how Vermont Mutual Insurance stacks up for your unique profile.
| Overall Score | 4.48 | 5 |
Vermont Mutual Insurance car insurance costs range from $34 to $2,631 monthly, depending on your profile and coverage choice. We've analyzed national costs across age groups, gender, coverage levels, credit scores and driving records to help you understand potential rates.
| $160 | $1,922 | -42% | 5 |
Vermont Mutual Insurance ranks among the cheapest car insurance companies for adult drivers, seniors, drivers with accidents and those with older cars.
Drivers with DUIs will find coverage much more expensive, while those with bad credit may see mixed results depending on the profile. You can review how affordable Vermont Mutual Insurance is for your specific driving category below.
| Adult Drivers | $32 | $75 | -37% | 4 |
| Drivers With A DUI | $114 | $272 | 20% | 27 |
| Drivers With An Accident | $32 | $75 | -55% | 1 |
| Drivers With A Speeding Ticket | $42 | $99 | -31% | 6 |
| Drivers With Bad Credit | $79 | $185 | -23% | 16 |
| Drivers With Low Income | $44 | $104 | -32% | 7 |
| Drivers With Newer Cars | $53 | $124 | -22% | 5 |
| Drivers With Old Cars | $28 | $64 | -39% | 3 |
| Senior Drivers | $34 | $79 | -46% | 1 |
| Young Drivers | $81 | $192 | -29% | 6 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, Adults 26 to 64, and seniors 65 and older. Older vehicles change the vehicle age to 2007, and newer vehicles change it to 2025.
Vermont Mutual Insurance offers five car insurance discounts, with average savings of up to 20% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | Substantial discount | Combining home and auto insurance with Vermont Mutual | Available in MA, ME, NH, VT only |
Multi-Car | Variable | Insuring multiple vehicles on one policy | Available in all operating states |
Safety/Security Equipment | 3% | Vehicles equipped with airbags, anti-theft devices, anti-lock brakes | Available in all operating states |
Loss-Free | Variable | Remaining claims-free on policy for specified period | Available in all operating states |
Safe Driver | 20%+ | No speeding tickets or at-fault accidents in last 3+ years | Available in all operating states |
Vermont Mutual Insurance earned 10th place in customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer feedback reveals the company excels in agent service quality and personal attention, though digital platform experiences receive mixed reviews.
Claims handling generates the most complaints, with customers citing slow processing times and communication gaps. Below, we break down the buying, policy management and claims process experiences based on our research.
Customers appreciate competitive rates that often beat national carriers, comprehensive coverage options for personal and commercial lines, and the local expertise of regional agents. The company emphasizes supporting local independent agents, though coverage is geographically limited to Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont.
While the company provides basic digital services, some customers report limited online functionality compared to larger national carriers and mixed experiences with policy changes and billing inquiries.
Long-term customers often praise quick adjuster response (within 24 hours), fair settlements, and the ability to choose preferred repair shops. However, recent reviews reveal major issues including lengthy processing delays, poor communication, claims denials requiring extensive documentation, and non-renewal policies following claims, with some customers waiting months for resolution on legitimate claims.
Vermont Mutual Insurance ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Vermont Mutual Insurance's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Excellent ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | a+ | aaa to d | High credit quality |
S&P Global Financial Strength | Not publicly rated | AAA to D | Regional carrier - limited rating coverage |
Moody's Financial Strength | Not publicly rated | Aaa to C | Regional carrier - limited rating coverage |
J.D. Power Auto Claims Satisfaction | Not specifically ranked | 1,000-point scale | Regional carrier - insufficient data for national ranking |
J.D. Power Digital Service Experience | Not specifically ranked | 1,000-point scale | Regional carrier - insufficient data for national ranking |
J.D. Power Auto Insurance Shopping Study | Not specifically ranked | Out of 1,000 | Regional carrier - insufficient data for national ranking |
J.D. Power Overall Customer Satisfaction | Not specifically ranked | Out of 1,000 | Regional carrier - insufficient data for national ranking |
NAIC Auto Complaints | 0.18 | 1.00 is average | Well below the expected number of complaints |
Reddit users and forum members share mixed experiences with Vermont Mutual Insurance. Customers often highlight competitive rates and supportive local agents, but serious frustrations arise once a claim is filed.
Common reports include claims taking months to resolve, denials even after adjusters initially agreed coverage should apply, and long-term customers losing policies after filing.
Many also point to unclear communication during the claims process. Despite Vermont Mutual’s strong financial strength ratings, overall satisfaction tends to decline when claims are involved.
Here's what real customers are saying about their experiences on forums:
Customers generally appreciate competitive rates and local service, but value perception changes after claims experiences:
"I found them through a web search for lower auto insurance. They offered the same quality auto coverage, plus renter's insurance, I always had for a lower premium, and my new agent was very helpful in the process of switching."
"Vermont Mutual accepted our insurance application but then less than a week later they were ready to drop our policy instantly. We have a pool in the backyard of our new house and the previous homeowner had a diving board. They gave me exactly 24 hours to remove the diving board or my policy would be dropped."
"One of my biggest regrets when we moved out of the New England area was that I would have to find a new policy for my car insurance!"
Claims handling receives heavy criticism, with customers reporting long delays and inconsistent decisions:
"I had damages to my home. Vermont mutual sent out an adjuster who agreed the damages should be covered by insurance. After the report was submitted I waited over a month for a response. Vermont mutual claimed they did not have enough evidence of damages and required before photographs. Vermont was silent for weeks after I submitted my evidence. After speaking with a supervisor and getting the run around for another 2 weeks, they still denied my claim."
"It's been my experience that it depends on who you're working with in the claims department and whether or not you'll receive money for the claim you have filed. One time Vermont helped us right away; another time, they dragged their feet through the mud."
"I filed a claim with my insurance company 8 weeks ago and they have not followed up with a decision about what, if anything, they will cover. My basement flooded and I have had to make as many repairs as possible out of pocket. There is mold growing in my basement that I need to address and some of the issues I need to fix are becoming more expensive because I have had to wait so long for insurance."
Customer service experiences vary widely, often depending on whether dealing with local agents or corporate claims staff:
"Horrible horrible horrible Have had them for 20 years. Had a no fault accident and it was a nightmare to deal with them."
"I could give several specific examples of Vermont Insurance dragging its feet but I am too stressed out to do so. Vermont's delaying tactics are affecting my mental health and that of the rest of my family."
"My wife was hit while stopped in traffic. We filed a claim the very next morning and stated from the first moment exactly what had occurred. The body shop contacted us to tell us we have to pay our deductible to pick up our car because the insurance company states we are the at fault party for not submitting an accident form."
Limited feedback on digital services, with basic online account management available:
"With a MyVM account, customers have access to a variety of resources, including billing and payment information, policy documents, auto ID cards, claim information and personalized convenience reminders."
"Vermont Mutual informed me that they would not release the funds to me personally because my vehicle is financed, and the repair costs were over $1,000. Virtually any damage on a newer vehicle is going to cost over $1,000 to repair. Buyer beware, you will not be able to perform your own repairs if you're a customer and you're still making payments on your vehicle."
Trust issues emerge particularly around policy renewals and claims processing:
"They non-renewed as soon as I made a claim. Awful company to deal with. Customer service is nonexistent. Absolutely do not recommend."
"Now they won't renew our policy, although we have given VT Mutual thousands of dollars over 20 years. If you are paying the premiums, terminating our insurance is a greedy move. I do not recommend them. I will also be canceling our homeowners insurance."
"If I could give them zero stars, I would. Total joke of a company. I sought a homeowners policy from them and got a two month runaround. They were deceptive, evasive, and dishonest. They didn't want to issue a policy but they were happy to take my initial payment."
Coverage options are generally adequate, though claim payment becomes the real issue:
"15 year customer with home and car. I have never had a claim with the car. Had my kids spill a gallon of milk and not tell me in the back carpets. I tried to get them cleaned professionally twice. No luck. Went to the dealership to get them replaced and reinstalled carpet and Vermont Mutual comes up with every run around in the book to not authorize the replacement carpet."
"July 25, 2023 I had a loss and immediately called my HOA who was insured by Vermont Mutual. I have had multiple quotes from construction companies with estimated well over $50,000 worth of damage. Vermont Mutual is stating that the damage is only [small amount] dollars worth of damage & is refusing to pay."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Vermont Mutual Insurance provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons such as:
Glass Claims Service | Specialized handling for windshield and auto glass repair/replacement claims | Dedicated glass claims number: 1-800-873-4948 |
Rental Coverage | Rental vehicle reimbursement when your vehicle is being repaired after a covered loss | Available with physical damage coverage; contact agent for details |
Towing Coverage | Coverage for towing services when vehicle is disabled or unsafe to drive | Available as part of auto policy; specific limits vary |
Here are other insurance types you can bundle with your auto policy or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Vermont Mutual Insurance (Directly Offered) | Homeowners insurance, auto insurance, renters insurance, inland marine insurance and umbrella insurance |
Third-Party Partner | Not disclosed |
Vermont Mutual Insurance excels in affordability, customer experience and coverage, ranking eighth overall for full coverage and 13th for minimum coverage. However, we recommend you compare insurance rates, do your own research and decide on coverage needs before buying to get the best deal.
Below are MoneyGeek's expert answers to frequently asked questions about Vermont Mutual Insurance car insurance:
Yes, Vermont Mutual Insurance is a legitimate car insurance company that secured 9th place in our comprehensive car insurance provider rankings. The insurer particularly excels in affordability, where it earned an impressive 4th place ranking among all carriers we evaluated.
Vermont Mutual is ranked highest in Vermont, but isn't a top rated company in any state.
Vermont Mutual Insurance costs adults an average of $446 annually for state minimum coverage and $1,038 for full coverage. Annual premiums range from $402 to $9,595 for minimum coverage and $926 to $23,489 for full coverage.
Customer feedback suggests Vermont Mutual Insurance maintains reasonable claim handling practices without widespread denial patterns. While individual claim disputes occur with any insurer, systematic denial tactics aren't commonly reported for this regional carrier.
Note: This represents limited information based primarily on forum reviews.
Vermont Mutual Insurance isn't ideal for drivers with a DUI, ranking 27th overall for affordability, but offers competitive rates for most other high-risk categories.
Yes, Vermont Mutual Insurance raises rates over time due to inflation, increased claims from distracted driving and severe weather, plus individual risk factors like credit changes.
Vermont Mutual Insurance can be a solid choice for young drivers, ranking 6th for overall affordability with competitive rates at $192 monthly for full coverage.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
