Cheapest Home Insurance in Vermont

Vermont Mutual is the cheapest insurance option for most homeowners in Vermont, with an average monthly savings of $459. The table below shows the state's most affordable providers.

*These rates are for a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.

The cheapest options may not be suitable for your situation. For instance, while Vermont Mutual is the cheapest overall, its rates are best for newer homes.

*We used our methodology’s base profile to modify rates. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.

The companies listed above provide the best rates for their categories, but actual rates depend on your profile. Use the filter below to get a personalized list of the cheapest homeowners insurance providers.

Home insurance rates in Vermont vary by city based on local risk factors. Farmers offers the lowest rates in most cities, while State Farm and Nationwide cost less in Burlington and Rutland.

*These rates reflect a 2000-built home with a $1,000 deductible, $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 liability coverage and class 3 fire protection. Rates assume good credit and no claims in the past five years.

You can lower your home insurance costs with these strategies to maximize savings.

Vermont Mutual, Concord and Allstate offer Vermont's most affordable home insurance. Compare plans, research costs and review your coverage needs before choosing a policy.

Answers to frequently asked questions about the cheapest home insurance in Vermont:

Vermont homeowners pay high insurance costs due to harsh winters and rural locations with limited fire protection. We designed our research to identify which companies offer the lowest rates across different Vermont cities and demographics.

We gathered quotes from major insurers for homeowners across Vermont to compare costs. Our sample profile included $250,000 dwelling coverage, $125,000 personal property coverage and $200,000 liability coverage with a $1,000 deductible. We used a 2000-built frame home with a composition roof, class 3 fire protection and no claims in the past five years.

Why these choices matter: Most Vermont homes fall within this coverage range, and the 2000 build year represents typical construction in the state. Class 3 fire protection applies to many Vermont towns with volunteer fire departments.

We adjusted rates for different profiles to show how costs change based on your city, credit score and claims history. Compare quotes from multiple insurers for your situation — rates vary widely between companies and locations in Vermont.