Best Auto Insurance in Vermont (2025)
Compare top-rated auto insurance companies in Vermont. Find affordable coverage that meets VT state requirements and save up to 40% on your premium.
$987
Avg. Annual Premium
25/50/10
Minimum Coverage
Burlington
Largest City
647,000
Population
Vermont Auto Insurance Requirements
Vermont has some of the lowest insurance rates in New England due to low population and rural roads.
Minimum Liability Coverage: 25/50/10
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Vermont
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Vermont can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Vermont use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Vermont Auto Insurance FAQs
What is the minimum auto insurance required in Vermont?
Vermont requires minimum liability coverage of 25/50/10 (bodily injury per person/per accident/property damage). Vermont has some of the lowest insurance rates in New England due to low population and rural roads.
How much does car insurance cost in Vermont?
The average annual car insurance premium in Vermont is $987. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Vermont?
Key factors affecting Vermont auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Burlington typically pay more than those in rural areas.
How can I find cheap car insurance in Vermont?
To find affordable car insurance in Vermont: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
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