Vermont Car Insurance Calculator
Calculate your auto insurance cost in Vermont. Compare with state averages and find savings.
$1,089
Avg Annual Premium
25/50/10
Min Liability
Monthly Avg
$91
Full Coverage
$1,423
Min Coverage
$389
Uninsured Rate
6.8%
Vermont Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$10,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Vermont
Low populationRural drivingWinter weather
Major Metro Areas in Vermont
BurlingtonSouth BurlingtonRutlandBarreMontpelier
FAQ
Vermont Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Vermont
The average annual car insurance premium in Vermont is $1,089, or about $91 per month. Full coverage averages $1,423 annually, while minimum coverage averages $389. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Vermont requires minimum liability coverage of 25/50/10 ($25,000/$50,000 for bodily injury and $10,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting Vermont car insurance rates include: Low population, Rural driving, Winter weather. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 6.8% of drivers in Vermont are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Vermont car insurance: 1) Compare quotes from multiple insurers like GEICO, State Farm, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Vermont include: GEICO, State Farm, Progressive, Liberty Mutual, Co-operative Insurance. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
VT Insurance Costs
Average premiums in Vermont:
- Annual Average$1,089
- Monthly Average$91
- Full Coverage$1,423
- Minimum Coverage$389
VT Requirements
Minimum coverage required:
- Liability25/50/10
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate6.8%
Top VT Insurers
Popular insurance companies:
- •GEICO
- •State Farm
- •Progressive
- •Liberty Mutual
- •Co-operative Insurance