Vermont Mutual is the cheapest home insurance option for most homeowners in Vermont, with an average monthly savings of $459. Below is a summary of the most affordable providers in the state.
Cheapest Home Insurance in Vermont
Updated: May 27, 2025
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Key Takeaways
Vermont Mutual offers the lowest-cost home insurance for older homes, newer homes and high-risk fire areas, with potential savings of up to 92%.
Vermont Mutual is the best choice for new homes, while Concord Group Insurance is ideal for people with bad credit.
Vermont Mutual provides the most affordable home coverage for houses in high-risk fire areas in the Green Mountain State.
What is the Cheapest Home Insurance in Vermont?
| Vermont Mutual | $40 | $477 | 53% |
| Concord Group Insurance | $47 | $560 | 44% |
| Allstate | $67 | $799 | 21% |
| MMG Insurance | $74 | $889 | 12% |
*These rates are based on 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 COMPANY MAY NOT BE THE BEST FOR YOU
While these companies may offer the lowest rates in Vermont, evaluating their customer service reputation and coverage options is important. To help, we’ve created a separate guide to the best home insurance companies in Vermont, providing a more comprehensive overview.
Cheapest Vermont Home Insurance Rates by Category
While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while Vermont Mutual is typically the cheapest overall, it offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.
| Vermont Mutual | Older Homes | $40 |
| Vermont Mutual | Newer Homes | $31 |
| Vermont Mutual | Homes in High Risk Fire Areas | $41 |
| Concord Group Insurance | Bad Credit | $72 |
*Rates are modified based on our methodology’s base profile. 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.
Compare Personalized Cheap Vermont Home Insurance
The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Claims History:Claim free for 5+ years
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Credit Tier:Good
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Home Age:Older Homes
| Vermont Mutual | $41 | $487 |
| Concord Group Insurance | $47 | $568 |
| MMG Insurance | $74 | $889 |
| Allstate | $80 | $965 |
| State Farm | $85 | $1,022 |
Cheapest Vermont Home Insurance By City
Risk factors for insurers vary by location, making some providers more affordable than others. For example, Farmers is the cheapest in most Vermont cities. However, State Farm and Nationwide offer lower rates in places like Burlington and Rutland.
*These rates are based on 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.
How To Find the Cheapest Vermont Home Insurance for You
Finding affordable home insurance in Vermont can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 1
Determine your coverage needs
Compare home insurance costs in Vermont to identify good value for your situation. Remember to ask about potential savings opportunities because insurers won't automatically factor in available discounts.
- 2
Research home insurance cost information
Research home insurance costs for your profile and available discounts to understand what qualifies as affordable. When ready to buy, ask agents directly about all discounts you may qualify for, as insurers won’t apply them automatically. Check out home insurance costs in your area.
- 4
Compare multiple companies apples to apples
To ensure you’re getting a good deal, compare quotes for the same coverage. Once aligned, gather as many quotes as possible using different methods to find the best rate.
Cheap Home Insurance Vermont: Bottom Line
Vermont Mutual, Concord Group Insurance, and Allstate offer Vermont's most affordable home insurance. Denied coverage? The TFPA has you covered with low-cost policies. Remember, it's wise to compare plans, research costs, and understand your coverage needs before choosing.
Cheapest Home Insurance Vermont: FAQ
Below are answers to frequently asked questions about the cheapest home insurance in Vermont:
What is the cheapest home insurance company in Vermont?
Vermont Mutual offers the lowest rates for newer homes in Vermont at $31 per month or $369 per year. Homeowners with older properties or higher fire protection needs may find better rates with Concord Group Insurance or another provider.
How expensive is home insurance in Vermont?
Vermont has the 11th-lowest home insurance rates in the U.S.
How much is home insurance in Vermont?
To determine the right amount of home insurance, ensure you have sufficient dwelling coverage to rebuild your home, typically your mortgage lender's requirement. Additionally, factor in the value of your personal property, the likelihood of local hazards, and the worth of irreplaceable items.
Home insurance may not be mandatory, but if you're financing your home, your lender will require sufficient coverage to rebuild your house in the event of total loss. Include protection for personal possessions, assess local risks, and cover unique valuables.
How much home insurance do I need?
To determine the right amount of home insurance, ensure you have sufficient dwelling coverage to rebuild your home, typically your mortgage lender's requirement. Additionally, factor in the value of your personal property, the likelihood of local hazards, and the worth of irreplaceable items.
Home insurance may not be mandatory, but if you're financing your home, your lender will require sufficient coverage to rebuild your house in the event of total loss. Include protection for personal possessions, assess local risks, and cover unique valuables.
How We Found the Cheapest Home Insurance Companies in Vermont
To determine the cheapest home insurance companies in Vermont, we assumed the following base profile:
- $250K dwelling coverage
- $125K personal property coverage
- $200K liability coverage
- Home built in 2000
- Frame construction
- Composition roof
- $1,000 all perils deductible
- No claims in the past 5+ years
- 3-class fire protection
All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.
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.