The Best Cheap Vermont Car Insurance for 2024

Vermont car insurance is pretty reasonable on average, but every driver pays a different rate depending on their location within the state, vehicle make and model, and driving history. Those in the market for the cheapest car insurance in Vermont need to do their research to find the best deal. Here's a look at which companies offer the lowest prices for several common driver profiles.

• Cheapest for typical drivers: Geico
• Cheapest for drivers with prior accidents: Geico
• Cheapest for drivers with prior speeding tickets: Geico
• Cheapest for drivers with prior DUIs: State Farm
• Cheapest for young drivers: Concord Group Insurance
• Cheapest for senior drivers: Geico
• Cheapest for drivers looking for minimum coverage: Patriot Insurance

Cheapest for typical drivers

The typical 35-year-old female driver with a clean record pays $1,600 annually for Vermont auto insurance, while her male counterpart pays a little more at $1,652 annually. Both can save considerably by going with Geico. It only charges female drivers about $890 per year and male drivers $939 per year.

The following companies also make the list of the best car insurance companies in Vermont:

• Concord Group Insurance, where women pay about $1,102 per year and men pay $1,200 per year
• Nationwide, which charges women $1,187 and men $1,219 annually

Cheapest for drivers with prior accidents

Geico also offers the most affordable car insurance in Vermont for drivers with a single accident on their records. They'll pay just $1,467 each year with the company, while the state average for these drivers rests at $2,190 per year.

These companies also offer cheap auto insurance in Vermont to drivers with prior accidents:

• Concord Group Insurance, which charges these drivers about $1,615 annually
• Nationwide, where drivers with one accident pay $1,711 per year on average

Cheapest for drivers with prior speeding tickets

A single speeding ticket raises the average Vermont auto insurance premium to $1,942 per year. But drivers who go with Geico only pay about $1,082 annually.

Those with speeding tickets can also score cheap car insurance quotes in Vermont with these companies:

• Concord Group Insurance, where drivers with one speeding ticket pay $1,378 annually
• Nationwide, where these drivers pay $1,487 per year on average

Cheapest for drivers with prior DUIs

State Farm offers the cheapest car insurance in Vermont for drivers with a DUI on their record. Its average annual premium for this group is just $1,525 -- well under the state average of $4,143.

These companies also offer low-cost car insurance to drivers with DUIs:

• Concord Group Insurance, which charges drivers about $2,025 per year if they have one DUI on their record
• Nationwide, where these drivers pay about $2,311 per year

Cheapest for young drivers

Younger drivers pay the highest average Vermont auto insurance premiums, at $4,803 per year. But drivers who go with Concord Group Insurance pay less than half of that. Its average annual premium for an 18-year-old driver with a clean record is $2,167.

These companies also offer cheap Vermont car insurance to teen drivers:

• Nationwide, which charges the typical 18-year-old driver about $3,523 per year
• State Farm, where teen drivers pay about $3,634 per year on average

Cheapest for senior drivers

The typical 65-year-old driver pays about $1,483 per year for Vermont auto insurance. That's not bad, but it's possible to score a much lower rate by going with Geico. It only charges seniors about $843 per year.

Adults 65 and older can also find affordable car insurance in Vermont with these companies:

• Nationwide, where the average 65-year-old pays $1,072 per year
• Concord Group Insurance, which charges these drivers $1,129 per year

Cheapest for drivers looking for minimum coverage

Patriot Insurance offers the best cheap liability car insurance in Vermont with an average annual premium of $259. This is just over half the state average of $447 per year.

These insurers also offer cheap Vermont minimum car insurance:

• Union Mutual Insurance, which charges about $267 per year for state minimum coverage
• Geico, which charges about $288 per year for minimum liability coverage

Average car insurance cost in Vermont compared to the national average

How much is car insurance in Vermont? That depends on a lot of factors, including the driver's history of accidents, their marital status, their education level, their ZIP code, their vehicle's make and model, and more.

Generally, though, rates for Vermont car insurance fall below the national average. Here's a closer look at how its rates stack up to the country's average for some of the driver profiles mentioned above.

Vermont auto insurance laws

Here are some Vermont car insurance laws all drivers should be familiar with.

Vermont is an at-fault auto insurance state

Vermont is an at-fault auto insurance state. This means that in the event of an accident, the driver found to be at fault must pay for the medical bills for all parties involved. This is different from no-fault states where each driver bills their own insurance for medical costs in most cases.

Consequences for driving without insurance in Vermont

Drivers who skip the mandatory state minimum coverage could face the following consequences:

• Fines
• The assessment of points against driving privileges
• The requirement to file financial responsibility insurance with the state of Vermont

Vermont minimum coverage requirements

All Vermont drivers must have at least the following auto insurance coverage:

Bodily injury liability coverage

Drivers must have at least:

• $25,000 of bodily injury liability coverage per person
• $50,000 of bodily injury liability coverage per accident

Property damage liability coverage

In addition, drivers must carry at least $10,000 of property damage liability coverage.

How to get cheap auto insurance in Vermont

Drivers seeking the cheapest car insurance in Vermont should try the following:

• Shop around: Compare quotes from several companies before purchasing a policy to see which offers the most affordable rate. Weigh its level of coverage and the quality of its customer service, as well.
• Consider usage-based car insurance: Usage-based car insurance programs monitor a driver through a mobile app or a device installed in the vehicle. Many insurers offer this as an optional program and it can help safe and infrequent drivers save on their rates.
• Raise the policy's deductible: Choosing a higher deductible can reduce the size of the monthly premiums.

Other things to consider when looking for car insurance in Vermont

Here are a few other things Vermont drivers should keep in mind when shopping for car insurance.

State minimum coverage isn't always enough

State minimum coverage helps drivers avoid penalties for driving without insurance. But it may not be enough to cover all the damages from a serious accident. Once the insurer pays up to the policy limit, it's off the hook and the driver must pay the remainder of the balance out of their own pocket. Those who don't want to take this chance should purchase higher coverage limits if they're able to do so.

State minimum coverage doesn't provide protection for the driver's vehicle

State law mandates that all drivers have liability coverage, which pays for other people's medical bills and damaged property if the policyholder causes an accident. But it doesn't provide any coverage for the driver's own vehicle. For that, drivers need collision and comprehensive coverage.

Collision coverage pays to repair the vehicle following an at-fault accident or a single-car accident. Comprehensive coverage pays for repairs following animal-vehicle collisions, storm damage, theft, and vandalism.