Best car insurance companies in Vermont

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    Article Highlights

    For drivers looking for the best car insurance in Vermont, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Vermont and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Vermont.

    The average Vermont driver pays $1,144 per year for insurance, which breaks down to about $95 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Vermont and may not reflect your actual premium quote.

    Vermont Quickfacts

    • Cheapest carrier for full coverage in Vermont is USAA: $785
    • Cheapest carrier for minimum coverage in Vermont is Union Mutual: $173
    • Carrier with highest customer satisfaction in Vermont: USAA
    • Number of uninsured drivers in Vermont: 6.8%
    • Vermont is on the lower end for car insurance rates

    Average cost of car insurance in Vermont

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,123$1,313$1,313
    Minimum coverage$314$376$376

    Quadrant data services, 2020

    Best car insurance companies in Vermont

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Allstate$1,449$263
    GEICO$914$234
    Progressive$1,527$497
    State Farm$1,173$367
    USAA$785$204
    Nationwide$989$440
    MetLife$1,546$519
    Concord Group$875$286
    Union Mutual$1,796$173

    Quadrant data services, 2020

    Car insurance rates in Vermont by city

    City Full coverage annual rate Minimum coverage annual rate
    Burlington$1,119$342
    South Burlington$1,105$339
    Rutland$1,158$322
    Barre$1,170$311
    Montpelier$1,170$310

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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