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Best car insurance in Vermont for 2025
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Reviewed by
Edited by
Reviewed by
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Vermont
Vermont drivers pay an average rate of $313 per year for the state-mandated minimum coverage car insurance and $1,497 per year on average for full coverage car insurance, which typically includes collision and comprehensive coverage. Although this is lower than the national average cost of insurance, many drivers may be looking to save even more.
But, while cost is important, it isn’t everything. In addition to analyzing average rate data from Quadrant Information Services, we also took a look at third-party scores and ratings, including J.D. Power, AM Best and Moody’s, to assess carriers’ financial strength and customer satisfaction. Using that information as well as online resources, mobile app accessibility and policy management options, we assigned each company a Bankrate Score. Based on this extensive research, our picks for the best car insurance companies in Vermont include Geico, State Farm, USAA, Nationwide and Allstate. It’s generally a good idea to get quotes from several car insurance companies when you’re looking for a policy, but if you live in Vermont, you may want to add these insurers to your short list.
|
|
|
|
|
|---|---|---|---|
|
4.3
|
$1,390
|
$290
|
|
|
4.3
|
$1,151
|
$247
|
|
|
4.3
|
$1,028
|
$215
|
|
|
4.0
|
$1,098
|
$417
|
|
|
3.9
|
$2,754
|
$407
|
Geico
Best for low average rates
4.3
4.3
Avg. full coverage premium
$116/mo
Avg. full coverage premium
$1,390/yr
Customer satisfaction
638/1,000
-
Why Geico made our list: Geico ties for the highest Bankrate score on our list. It’s also one of the cheapest car insurance companies in Vermont with low average premiums and several potential discounts to reduce rates even more. The company offers discounts for good students, good drivers, federal employees, active-duty military service members and many others. Additionally Geico’s low average rates for drivers with a few dings on their records helped it earn the title of best auto insurance company for high-risk drivers in the 2025 Bankrate Awards. While it may not offer as many coverage endorsements at other companies we reviewed, its above-average customer satisfaction score in the 2024 J.D. Power Auto Insurance Study shows that many of its customers in the New England region are content with paying less for more standard coverage.
Who Geico may be good for: Geico may be a good option for young drivers or those who are working with a tight budget, thanks to the company's low average rates. Its extensive list of potential discounts may help many drivers save even more.
Learn more: Geico Insurance review
State Farm
Best for bundling
4.3
4.3
Avg. full coverage premium
$96/mo
Avg. full coverage premium
$1,151/yr
Customer satisfaction
664/1,000
-
Why State Farm made our list: State Farm earned our nod for Vermont’s best car insurance for policy bundling, as it has one of the most generous discount opportunities for customers who purchase multiple policies. According to the company's website, customers save up to $1,273 when they bundle home and auto insurance. In addition, State Farm also has a high Bankrate Score, which reflects, among other things, its above-average customer satisfaction in the New England region in J.D. Power’s 2024 study. Additional savings opportunities for good drivers, like usage-based telematics programs Drive Safe & Save and Steer Clear, helped earn State Farm the award for best car insurance company for safe drivers in the 2025 Bankrate Awards. An extensive network of local agents and its high score for digital tools in the service category in the 2024 J.D. Power U.S. Insurance Digital Experience Study make it a well-rounded option for drivers who want a good customer experience on- and offline.
Who State Farm may be good for: With a hefty bundling discount, State Farm may be a good choice to consider for drivers who want to insure their home and car with the same company to save money. Its above-average customer satisfaction score and unique savings programs allow it to stand out as one of the best car insurance companies in Vermont.
Learn more: State Farm Insurance review
USAA
4.3
4.3
Avg. full coverage premium
$86/mo
Avg. full coverage premium
$1,028/yr
Customer satisfaction
741/1,000
-
Why USAA made our list: USAA gets our vote for the best car insurance in VT for military-focused coverage. Although the company exclusively insures military service members, veterans and their immediate family members, USAA might be a great option for affordable car insurance with great customer satisfaction if you qualify. Its coverage options are extensive and include key protections like accident forgiveness, roadside assistance and rental car insurance. Because it offers some of the lowest average car insurance rates and consistently (if unofficially) tops the J.D. Power studies for providing excellent service to its customers, USAA tied for the best car insurance company overall in the 2025 Bankrate Awards. Although not available to everyone, its military-targeted perks and coverage options might make it a very solid choice for those who serve our country.
Who USAA may be good for: Drivers who qualify for membership with USAA and are looking for an insurance company created with the military in mind may appreciate its military-specific discounts, affordable coverage options and highly rated customer service.
Learn more: USAA Insurance review
Nationwide
Best for coverage add-ons
4.0
4.0
Avg. full coverage premium
$91/mo
Avg. full coverage premium
$1,098/yr
Customer satisfaction
Not rated
-
Why Nationwide made our list: Nationwide stands out to us as a great option for Vermont drivers who want to customize their policy. Drivers looking for rental car expense coverage, gap insurance, accident forgiveness, a total loss deductible waiver, and roadside assistance will appreciate its extensive list of coverage options. Nationwide also offers innovative usage-based programs, including SmartMiles, which allows customers to pay based on the distance they drive their vehicle, and SmartRide, which monitors a customer’s driving via telematics and awards discounts for good driving. Additionally, Nationwide offers lots of car insurance discount opportunities and an above-average service experience with its digital tools, according to J.D. Power.
Who Nationwide may be good for: Drivers who have specific needs and want a truly customized policy, an above-average claims experience and superior digital tools may want to get a quote from Nationwide.
Learn more: Nationwide Insurance review
Allstate
Best for discounts
3.9
3.9
Avg. full coverage premium
$230/mo
Avg. full coverage premium
$2,754/yr
Customer satisfaction
646/1,000
-
Why Allstate made our list: Allstate offers a remarkably robust list of potential discounts, including savings opportunities for new cars, early signing, responsible payers, safe vehicles, smart students, policy bundling, paying in full and others. Drivers may also save significantly with Allstate’s safe driving club and safe driving bonus program. If you’re looking for additional options like sound system insurance, roadside assistance and rental car insurance, you might also want to check out the company’s long list of coverage types. New England customers showed they appreciate their experience with Allstate by rating the carrier above average for satisfaction in J.D. Power’s 2024 study while its digital tools also earned the insurer top marks from J.D. Power for service. Given that Allstate also offers a number of local agents in Vermont, it could be worth a look from drivers who want the flexibility to manage their policy online or in person.
Who Allstate may be good for: Allstate may be an option worth considering for drivers who like to have a range of coverage options for personalizing their policies and a lot of opportunities to save on that coverage in the form of discounts.
Learn more: Allstate Insurance review
How Bankrate chose the best car insurance companies in Vermont
Bankrate weighs multiple factors in order to determine the best auto insurance companies in Vermont. Average rates are one factor, but are not the only variable. Our insurance editorial team also looks at third-party rankings and ratings for financial health and customer service, along with coverage options, discount opportunities, online tools and other factors, to offer useful insights to Vermont drivers and help them make the most informed decisions for their insurance needs. When all the data is compiled, each carrier is assigned a Bankrate Score of between 0.0 and 5.0 to help you determine the best company for your own needs.
Why you can trust Bankrate
Read our full methodologyTo help Vermont drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Vermont
Finding the best auto insurance may require a little research, but having the right car insurance policy in place can protect you from significant financial losses if you cause a car accident. If you’re just getting started in your search, you may want to consider a few things before you go and get quotes for Vermont car insurance coverage.
Related content:
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Vermont?
Vermont drivers pay an average of $1,497 per year for full coverage car insurance and $313 per year for minimum coverage. This is considerably less than the national average cost of car insurance, which is $2,670 per year for full coverage and $773 per year for minimum coverage. It's also less than what some neighboring states pay. In the nearby state of New Hampshire, for example, the average cost of car insurance is $1,836 per year for full coverage car insurance and $492 per year for minimum coverage. The average driver in Massachusetts pays $2,089 per year for full coverage and $535 per year for minimum coverage.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Belvidere Center | $1,567 | +5% |
| Waitsfield | $1,529 | +2% |
| Weston | $1,504 | +0% |
| Fairfax | $1,501 | +0% |
| Saint Albans Bay | $1,509 | +1% |
| North Hero | $1,519 | +1% |
| Graniteville | $1,538 | +3% |
| Wolcott | $1,559 | +4% |
| Ripton | $1,485 | -1% |
| East Burke | $1,532 | +2% |
| Corinth | $1,563 | +4% |
| Concord | $1,546 | +3% |
| Richford | $1,512 | +1% |
| Underhill Center | $1,448 | -3% |
| Saint Johnsbury Center | $1,529 | +2% |
| West Pawlet | $1,506 | +1% |
| Bridport | $1,490 | -0% |
| Highgate Center | $1,504 | +0% |
| North Ferrisburgh | $1,489 | -1% |
| Mc Indoe Falls | $1,536 | +3% |
| Jeffersonville | $1,565 | +4% |
| Pownal | $1,521 | +2% |
| Hydeville | $1,519 | +1% |
| South Pomfret | $1,522 | +2% |
| East Poultney | $1,529 | +2% |
| East Saint Johnsbury | $1,544 | +3% |
| Norton | $1,548 | +3% |
| Chelsea | $1,557 | +4% |
| Bakersfield | $1,503 | +0% |
| Troy | $1,548 | +3% |
| Readsboro | $1,517 | +1% |
| Marshfield | $1,547 | +3% |
| Shoreham | $1,488 | -1% |
| Westminster | $1,524 | +2% |
| Waterbury | $1,541 | +3% |
| Shaftsbury | $1,517 | +1% |
| Jericho | $1,475 | -1% |
| Sharon | $1,527 | +2% |
| Whitingham | $1,524 | +2% |
| Essex Junction | $1,397 | -7% |
| Adamant | $1,524 | +2% |
| Rutland | $1,458 | -3% |
| East Barre | $1,549 | +3% |
| Pawlet | $1,504 | +0% |
| Cabot | $1,555 | +4% |
| Moretown | $1,533 | +2% |
| Glover | $1,518 | +1% |
| South Newfane | $1,519 | +1% |
| Stockbridge | $1,526 | +2% |
| Hinesburg | $1,495 | -0% |
| Lowell | $1,550 | +3% |
| Bridgewater | $1,534 | +2% |
| Colchester | $1,456 | -3% |
| Saint Johnsbury | $1,535 | +2% |
| Underhill | $1,498 | +0% |
| Canaan | $1,555 | +4% |
| Strafford | $1,532 | +2% |
| Wardsboro | $1,521 | +2% |
| East Montpelier | $1,509 | +1% |
| North Troy | $1,549 | +3% |
| West Glover | $1,538 | +3% |
| Post Mills | $1,542 | +3% |
| Taftsville | $1,529 | +2% |
| Starksboro | $1,499 | +0% |
| West Rutland | $1,474 | -2% |
| Derby | $1,541 | +3% |
| Dorset | $1,509 | +1% |
| Sheldon Springs | $1,511 | +1% |
| Montpelier | $1,504 | +0% |
| Pittsford | $1,514 | +1% |
| Bethel | $1,531 | +2% |
| Fairlee | $1,548 | +3% |
| East Dover | $1,514 | +1% |
| North Hyde Park | $1,552 | +4% |
| Eden Mills | $1,566 | +5% |
| Williamstown | $1,552 | +4% |
| Center Rutland | $1,470 | -2% |
| Proctor | $1,458 | -3% |
| Randolph | $1,548 | +3% |
| Jamaica | $1,517 | +1% |
| South Burlington | $1,402 | -7% |
| South Royalton | $1,528 | +2% |
| Jonesville | $1,448 | -3% |
| Williston | $1,462 | -2% |
| Morgan | $1,542 | +3% |
| North Thetford | $1,542 | +3% |
| Wells | $1,500 | +0% |
| North Hartland | $1,531 | +2% |
| East Wallingford | $1,509 | +1% |
| Thetford Center | $1,540 | +3% |
| Manchester Center | $1,512 | +1% |
| West Halifax | $1,519 | +1% |
| Plainfield | $1,542 | +3% |
| Wells River | $1,539 | +3% |
| Saint Albans | $1,500 | +0% |
| Norwich | $1,510 | +1% |
| West Topsham | $1,549 | +3% |
| Brandon | $1,508 | +1% |
| Craftsbury Common | $1,529 | +2% |
| Danville | $1,533 | +2% |
| Burlington | $1,416 | -6% |
| Poultney | $1,504 | +0% |
| Island Pond | $1,539 | +3% |
| Beecher Falls | $1,546 | +3% |
| Ferrisburgh | $1,499 | +0% |
| Greensboro | $1,524 | +2% |
| West Danville | $1,543 | +3% |
| East Calais | $1,544 | +3% |
| Northfield | $1,535 | +3% |
| Pittsfield | $1,502 | +0% |
| Montgomery Center | $1,496 | -0% |
| Eden | $1,566 | +5% |
| Brownsville | $1,501 | +0% |
| Brattleboro | $1,513 | +1% |
| Stowe | $1,553 | +4% |
| Beebe Plain | $1,539 | +3% |
| Enosburg Falls | $1,509 | +1% |
| Westford | $1,498 | +0% |
| Mount Holly | $1,510 | +1% |
| Lyndonville | $1,541 | +3% |
| South Londonderry | $1,518 | +1% |
| Albany | $1,548 | +3% |
| Randolph Center | $1,548 | +3% |
| Putney | $1,514 | +1% |
| East Haven | $1,548 | +3% |
| Bridgewater Corners | $1,529 | +2% |
| Hyde Park | $1,563 | +4% |
| Salisbury | $1,490 | -0% |
| Lyndon Center | $1,542 | +3% |
| Lunenburg | $1,551 | +4% |
| Hartland | $1,528 | +2% |
| Woodbury | $1,544 | +3% |
| Cuttingsville | $1,515 | +1% |
| Killington | $1,505 | +1% |
| Vernon | $1,526 | +2% |
| Franklin | $1,505 | +1% |
| Ludlow | $1,512 | +1% |
| Townshend | $1,508 | +1% |
| Sheldon | $1,502 | +0% |
| Florence | $1,510 | +1% |
| Craftsbury | $1,525 | +2% |
| Fairfield | $1,501 | +0% |
| Calais | $1,530 | +2% |
| Highgate Springs | $1,516 | +1% |
| Passumpsic | $1,539 | +3% |
| Waterbury Center | $1,533 | +2% |
| Swanton | $1,503 | +0% |
| White River Junction | $1,524 | +2% |
| Bomoseen | $1,503 | +0% |
| South Barre | $1,537 | +3% |
| Middlebury | $1,481 | -1% |
| East Hardwick | $1,530 | +2% |
| West Townshend | $1,509 | +1% |
| Rochester | $1,520 | +2% |
| East Corinth | $1,546 | +3% |
| West Hartford | $1,524 | +2% |
| Milton | $1,496 | -0% |
| Fair Haven | $1,505 | +1% |
| Cambridge | $1,517 | +1% |
| Peru | $1,517 | +1% |
| Proctorsville | $1,520 | +2% |
| Springfield | $1,518 | +1% |
| East Randolph | $1,548 | +3% |
| Washington | $1,551 | +4% |
| Newport Center | $1,537 | +3% |
| Reading | $1,521 | +2% |
| Newfane | $1,522 | +2% |
| West Wardsboro | $1,519 | +1% |
| Quechee | $1,521 | +2% |
| Johnson | $1,559 | +4% |
| Danby | $1,511 | +1% |
| Guildhall | $1,548 | +3% |
| Topsham | $1,545 | +3% |
| Cambridgeport | $1,519 | +1% |
| Gilman | $1,550 | +3% |
| Bellows Falls | $1,530 | +2% |
| Saxtons River | $1,519 | +1% |
| Peacham | $1,532 | +2% |
| Brookfield | $1,545 | +3% |
| Tunbridge | $1,537 | +3% |
| Wallingford | $1,507 | +1% |
| Sheffield | $1,542 | +3% |
| Lake Elmore | $1,558 | +4% |
| Grafton | $1,510 | +1% |
| Waterville | $1,566 | +5% |
| Barton | $1,540 | +3% |
| Sutton | $1,546 | +3% |
| Plymouth | $1,514 | +1% |
| East Berkshire | $1,503 | +0% |
| Castleton | $1,506 | +1% |
| Irasburg | $1,547 | +3% |
| Bristol | $1,501 | +0% |
| Woodstock | $1,514 | +1% |
| West Dummerston | $1,509 | +1% |
| Derby Line | $1,539 | +3% |
| Windsor | $1,511 | +1% |
| East Dorset | $1,512 | +1% |
| Websterville | $1,533 | +2% |
| Ascutney | $1,519 | +1% |
| Forest Dale | $1,529 | +2% |
| North Concord | $1,550 | +4% |
| Perkinsville | $1,521 | +2% |
| Bondville | $1,507 | +1% |
| Northfield Falls | $1,533 | +2% |
| Gaysville | $1,524 | +2% |
| Isle La Motte | $1,527 | +2% |
| Vergennes | $1,501 | +0% |
| West Charleston | $1,538 | +3% |
| Richmond | $1,495 | -0% |
| Worcester | $1,533 | +2% |
| West Fairlee | $1,550 | +3% |
| North Clarendon | $1,499 | +0% |
| Hartland Four Corners | $1,531 | +2% |
| Cavendish | $1,513 | +1% |
| North Pownal | $1,520 | +2% |
| Barnet | $1,539 | +3% |
| South Woodstock | $1,520 | +2% |
| Charlotte | $1,492 | -0% |
| Westfield | $1,546 | +3% |
| Grand Isle | $1,522 | +2% |
| South Strafford | $1,534 | +2% |
| Arlington | $1,515 | +1% |
| East Thetford | $1,539 | +3% |
| East Arlington | $1,515 | +1% |
| Winooski | $1,412 | -6% |
| West Rupert | $1,515 | +1% |
| Hardwick | $1,543 | +3% |
| New Haven | $1,485 | -1% |
| Vershire | $1,542 | +3% |
| Chester | $1,517 | +1% |
| Alburgh | $1,533 | +2% |
| Middletown Springs | $1,504 | +0% |
| Newbury | $1,554 | +4% |
| Barre | $1,512 | +1% |
| North Pomfret | $1,524 | +2% |
| South Ryegate | $1,546 | +3% |
| Londonderry | $1,519 | +1% |
| Morrisville | $1,560 | +4% |
| Warren | $1,530 | +2% |
| Westminster Station | $1,519 | +1% |
| Williamsville | $1,520 | +2% |
| Wilmington | $1,510 | +1% |
| Belmont | $1,514 | +1% |
| West Burke | $1,540 | +3% |
| South Hero | $1,521 | +2% |
| West Dover | $1,510 | +1% |
| Granville | $1,499 | +0% |
| Averill | $1,546 | +3% |
| East Fairfield | $1,500 | +0% |
| Chittenden | $1,509 | +1% |
| North Bennington | $1,514 | +1% |
| Huntington | $1,487 | -1% |
| Roxbury | $1,540 | +3% |
| East Charleston | $1,538 | +3% |
| Lower Waterford | $1,544 | +3% |
| Bradford | $1,555 | +4% |
| Groton | $1,544 | +3% |
| Jacksonville | $1,520 | +2% |
| Bennington | $1,519 | +1% |
| Orwell | $1,488 | -1% |
| West Newbury | $1,532 | +2% |
| Moscow | $1,552 | +4% |
| East Ryegate | $1,543 | +3% |
| North Springfield | $1,511 | +1% |
| Greensboro Bend | $1,532 | +2% |
| Orleans | $1,542 | +3% |
| Stamford | $1,521 | +2% |
| Shelburne | $1,454 | -3% |
| Newport | $1,546 | +3% |
| North Montpelier | $1,529 | +2% |
| Hancock | $1,487 | -1% |
| Whiting | $1,487 | -1% |
The lower average cost of car insurance may be due, in part, to the fact that Vermont is home to just 478,421 licensed drivers and its roads and bridges are in good condition, two factors that help make insurance premiums in the state especially cheap. Vermont is also largely rural with few congested urban areas which could mean fewer accidents. Anytime you live in a place where there is less risk of drivers filing claims, car insurance is typically lower.
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Although your exact premium will vary depending on the company you choose and other factors unique to you, Bankrate's handy calculator can help provide a benchmark figure of what you'll likely pay for your policy. Just answer a few short questions and you will have a potential starting point as you begin your own search for the best auto insurance in Vermont.
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.