Average cost of car insurance in Vermont in 2025

How much is car insurance in Vermont? 

Car insurance in Vermont averages $1,491 per year for full coverage and $329 per year for minimum coverage. These rates are 44 percent less and 59 percent less than the full and minimum national averages of $2,671 and $806, respectively. However, your rate will vary based on factors personal to you, which include age, marital status, credit history, driving record and past claims. The company you choose, as well as your coverage choices, limits and deductibles, also factor into auto insurance premiums.

Key takeaways

• Average monthly car insurance rates for Vermont drivers are $124 for full coverage and $27 for minimum coverage.
• Average full coverage car insurance in Vermont is 44 percent less than the national average.
• On average, drivers with a DUI on their record pay 87 percent more than the state average for full coverage car insurance.
• Having poor credit in Vermont increases average rates by 81 percent more compared to good credit, but drivers with excellent credit pay an average of 12 percent less.

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Vermont car insurance rates by city

While average Vermont rates are far below the national average, some cities have higher average rates than others. We compared average rates for some of the largest Vermont cities to show how rates may differ. For instance, drivers living in Bennington pay around 1 percent more than the state average for full coverage, but if you live in Burlington, you pay an average of 5 percent less. Characteristics like population density, crime statistics, regional weather and repair costs influence rates by city.

Average car insurance costs by age and gender in Vermont

Although some states exclude age and gender as factors in car insurance rating, Vermont is not one of them. Young drivers typically pay more than older drivers, with rates usually dropping after age 25. Rates for females are generally lower than for males, and in Vermont, average rates are lowest for drivers ages 50-70. The following tables reflect rates for drivers on their own policy, but rates for 16-year-olds are for drivers on their parents' policy.

Cost considerations for young drivers in Vermont

While 16- and 17-year-old drivers usually must be on their parents’ policy, drivers 18 and older can choose to be on their own. This choice often comes at a cost, as you can see in the table below. An 18-year-old driver could pay around 37 percent less by being listed on their parents’ policy rather than their own. Note that some companies may require you to live in the same home as your parents to be listed on their policy.

How does driving record impact the cost of car insurance in Vermont?

Although Vermont’s average insurance rate is $1,491 for full coverage, you typically pay more if you have a ticket or accident on your record. Below are the average rates for drivers with one speeding ticket, accident or DUI in their driving history. If you have more than one, or a combination of violations, you will likely pay more for car insurance and may need to look into high-risk car insurance options.

Car insurance rates in Vermont by credit score

Vermont car insurance rates may also vary based on your credit history, though this is not a factor in some other states. Drivers with an average credit score could see rates around 8 percent more than the Vermont average, while having an excellent credit score could save you around 12 percent less. It might pay to improve your credit score, since drivers with poor credit pay an average of 81 percent more for car insurance in the Green Mountain State.

Vermont car insurance rates by vehicle type

Car insurance rates may vary greatly based on the value, model and age of your vehicle. Choosing the right make and model might help you get cheap car insurance in Vermont. Luxury vehicles or those with high repair costs typically are more expensive to insure, while cars with advanced safety features or accessible parts may be cheaper to insure.

Estimate your car insurance cost in Vermont

Average state premiums may give you an idea of what you will pay for coverage in Vermont, but comparing personalized estimates may give you a more accurate figure. Get started with quick personalized estimates below.

How to save on car insurance in Vermont

Vermont car insurance rates are low compared to other states, but your rates might be even lower with the right steps. Here are our top five ways to save on car insurance:

• Shop around: If you want to find the cheapest car insurance, most insurance professionals recommend comparing quotes for the same coverage levels from various carriers. This will show you which company offers the lowest rates for your unique circumstances.
• Compare discounts: Almost all insurance companies offer at least a few discounts, and many of them are easy to qualify for. You might be able to save money, for example, just by agreeing to receive your documents via email rather than postal mail. Other common discounts include bundling, good student and paid in full.
• Increase your deductible: Your deductible is the amount you pay for some types of coverage before your insurance kicks in after an approved claim. Increasing this amount is likely to lead to a decreased premium rate, since you'll be paying more when you file a claim. Be careful to only increase this amount to a number you are comfortable paying out-of-pocket, however.
• Consider your car: Although most drivers won't buy a new car to save on auto coverage, if you're already in the market for a new vehicle, comparing sample quotes for the models you're considering could help you see how each vehicle type affects your cost of insurance.
• Increase your credit score: In Vermont, it is legal for car insurance companies to consider your credit-based insurance score when calculating your premium. Insurance companies do this because drivers with poor credit histories are statistically more likely to file claims. Improving your credit score may help you save, especially if your score is fairly low.

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