Let's drop your rate in VT today!
Compare Vermont car insurance rates from top carriers
Discover quotes from top providers including:
How It Works
1. Answer a Few Questions
Tell us a bit about yourself and your vehicle to start comparing auto insurance quotes. It only takes a couple of minutes to get your personalized auto insurance options.
2. Compare Auto Quotes
We'll match you with top auto insurance providers so you can compare auto insurance quotes side by side and find the best value for your coverage needs.
3. Get Your Quote & Get Covered
Review your offers, get a quote, and choose the auto insurance policy that fits you best. It's fast, easy, and completely free.
Car Insurance in Vermont: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Vermont is one of the cheapest states for car insurance, with full coverage averaging about $1,610 a year — roughly 40% below the national average. Vermont is an at-fault state that requires uninsured/underinsured motorist coverage. Here's the coverage you must carry, what Vermonters pay, and how to save.
Avg. full coverage
$1,610/yr
≈40% below U.S. avg.
Avg. minimum coverage
$351/yr
≈58% below U.S. avg.
State minimum
25/50/10
+ UM required
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
−40%
Among cheapest states
Compare Vermont car insurance quotes from top carriersEnter your ZIP — it takes under 2 minutes
Minimum coverage required in Vermont
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per person / per accident |
| Property damage liability | $10k | Required |
| Uninsured / underinsured motorist | $50k / $100k / $10k | Required in Vermont |
| Personal injury protection | Not required | Vermont is an at-fault state |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Vermont premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,610/yr | 40% below U.S. | Comp + collision included |
| Minimum coverage | $351/yr | 58% below U.S. | Includes required UM |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
See your real Vermont rate — not just averagesFree — no spam, no obligation
Vermont estimated rates by driver profile (2026)
Estimates anchor each profile to Vermont's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$1,610/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$2,302/yr | +43% | 1,610 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$1,996/yr | +24% | 1,610 × 1.24 (Bankrate avg) |
| DUI on record | ~$3,027/yr | +88% | 1,610 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$3,220/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$2,737/yr | +70% | 1,610 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Vermont: what helps and what hurts your rate
In your favor
- ✓Among the lowest premiums in the country (~$1,610/yr full coverage)
- ✓Mandatory UM/UIM protects against uninsured drivers
- ✓Minimum coverage is among the cheapest nationally (~$351/yr)
- ✓Low traffic density keeps claim frequency down
Works against you
- ✗Harsh winters raise collision risk
- ✗Wildlife collisions raise comprehensive claims
- ✗Low $10k property-damage floor leaves at-fault gaps
- ✗Credit history is a permitted rating factor
Ready to compare Vermont carriers in your area?Free — no spam, no obligation
A closer look at car insurance in Vermont
Vermont combines very low premiums with required UM/UIM, so even a minimum policy provides uninsured-driver protection. Winter and wildlife risk make collision and comprehensive coverage worthwhile, and full coverage costs little more than the minimum. With credit and location still affecting rates, a quick carrier comparison keeps an already-low Vermont premium competitive.
Bottom line
Vermont is one of the most affordable states for car insurance, with required UM/UIM baked into the minimum. Carrying full coverage (cheap here) and comparing a few carriers is the best way to stay well-protected at a low price.
Ready to get quoted? Enter your ZIP to get startedWe'll connect you with carriers serving Vermont
Frequently asked questions about Vermont car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
AB Test AA Control: B