What is the cheapest car insurance company in Vermont?

No single company will always offer the cheapest Vermont auto insurance. A carrier that offers your friend a cheap rate may not be able to do the same for you because your car insurance rate is based on factors that are unique to you. Your age, gender and credit-based insurance score can all play a role in determining your rate in Vermont, as does your driving history. And each insurer weighs these factors differently. The best way to find the cheapest rate for you is to get quotes from several companies for the same coverage types and levels.

What information is needed to get car insurance in Vermont?

Getting car insurance quotes in Vermont isn’t hard. You can typically get them online in just minutes. The more information you provide up front, the more accurate your quote will be. Some information, like the year, make and model of your car, will be necessary, but if you want to know what you’ll actually pay, you should consider also providing your vehicle identification number (VIN), Social Security number, driver’s license number, bank information and address. This will allow the insurance company to check your driving record and credit to give you an accurate rate.

Does Vermont require car insurance?

Vermont drivers need to carry a minimum amount of liability coverage and uninsured motorist coverage to drive: $25,000 in bodily injury liability per person and $50,000 per accident, $10,000 in property damage liability, $50,000 in uninsured motorist bodily injury per person and $100,000 per accident, as well as $10,000 in uninsured motorist property damage coverage. If you don’t want to buy car insurance, you can file evidence of self-insurance via a $115,000 bond with the Commissioner of Motor Vehicles to satisfy the financial responsibility law.

How can I lower my car insurance in Vermont?

There are lots of ways you might be able to lower your car insurance cost in Vermont. First, ask for quotes from several companies. If you're working with an agent, make sure they are applying all possible discounts to your policy (sometimes calling the company can help ensure you’re really getting all the discounts possible). For instance, bundling your home and auto insurance typically nets you a pretty hefty discount. Raising your insurance deductible may also help you secure a lower rate, but make sure it's an amount you can afford to pay on short notice. If you are generally a safe driver, you may want to look at telematics programs, which monitor your driving in real time and earn you discounts for safe driving. Keep in mind, though, that some insurers will also raise your rates if they detect unsafe habits, so be sure to read the fine print before signing up.

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Best car insurance in Vermont for 2025

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Updated Mar 01, 2025

Bankrate's research indicates that Geico, State Farm, USAA, Nationwide and Allstate are writing the best car insurance in Vermont.

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Best car insurance companies in Vermont

Vermont drivers pay an average rate of $325 per year for the state-mandated minimum coverage car insurance and $1,506 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.


Geico	4.3 Rating: 4.3 stars out of 5	$1,392	$308
State Farm	4.3 Rating: 4.3 stars out of 5	$1,151	$248
USAA	4.3 Rating: 4.3 stars out of 5	$1,028	$215
Nationwide	4.0 Rating: 4 stars out of 5	$1,098	$417
Allstate	3.9 Rating: 3.9 stars out of 5	$2,828	$472

Geico

Best for low average rates

4.3

Read Geico review Get a quote

Avg. full coverage premium

$116/mo

Avg. full coverage premium

$1,392/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
Pros
Low average rates for multiple driver profiles

Offers a suite of user-friendly digital tools
Cons
Below-average score on the 2024 J.D. Power Auto Claims Satisfaction Study

Fewer coverage options than some competitors

State Farm

Best for bundling

4.3

Read State Farm review Get a quote

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
Pros
Above-average 2024 J.D. Power customer and claims satisfaction scores

Above-average 2024 J.D. Power digital experience score

Bundling discounts could offer generous savings
Cons
Gap insurance not available (unless you have an auto loan through State Farm)

Accident forgiveness endorsements not available (can be earned over time)

No live chat feature on website

USAA

4.3

Read USAA review Get a quote

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
Pros
Consistently receives high scores in J.D. Power customer satisfaction studies

Offers unique military-specific discounts and coverage options
Cons
Membership eligibility is limited to the military community

Access to brick-and-mortar locations is limited

Nationwide

Best for coverage add-ons

4.0

Read Nationwide review Get a quote

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
Pros
Unique discount opportunities available

Variety of add-on coverage and endorsements available
Cons
Not rated by J.D. Power for the New England region

No 24/7 customer service

Allstate

Best for discounts

3.9

Read Allstate review Get a quote

Avg. full coverage premium

$236/mo

Avg. full coverage premium

$2,828/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
Pros
Suite of digital tools for policy and claims management

An array of coverage options available for personalized policies
Cons
Below-average score in the 2024 J.D. Power Auto Claims Satisfaction Study

Some policy options limited by state availability

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 methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

years of industry experience

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

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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.

Like most states, Vermont drivers need to purchase a minimum amount of liability insurance and uninsured motorist coverage. State-mandated liability insurance financially protects the other driver, their passengers and their car if you cause an accident. If you need some financial protection for your own car, you may want to talk to your insurance agent about adding optional collision and comprehensive insurance. Together, these coverage types are often referred to as full coverage car insurance.
While minimum coverage insurance is cheaper, it may not offer enough financial protection. If you are leasing or financing your car, your lender will probably require you to purchase full coverage car insurance to protect their investment in your vehicle.

If you do not purchase the insurance required, you may find yourself paying more for force-placed insurance, which is insurance that is purchased by your lender that you pay for. Force-placed insurance typically costs more and probably won’t offer you as much protection as you want—lenders will only be looking to protect their investment if they are forced to find insurance for you. So be sure to read the fine print on your lease or loan to ensure you’ve got the right coverage types and levels required.
Your own needs are also important to consider when shopping for car insurance policies. Everyone has different needs. Do you care more about saving money? Or getting the best customer service? Maybe robust digital tools are key because you want to manage your policy from your phone. By taking the time to figure out what you need and want from a car insurance company, you may have an easier time narrowing down your options. For example, if you have a teen driver or senior driver on your policy, you may want to focus on companies that offer tailored discounts. Or, if you're a safe driver, a company that offers a lot of savings through its telematics program might be the best fit. Make a short list of what matters to you and then find a handful of companies that meet your criteria before you request quotes and compare rates.

How much is car insurance in Vermont?

Vermont drivers pay an average of $1,506 per year for full coverage car insurance and $325 per year for minimum coverage. This is considerably less than the national average cost of car insurance, which is $2,678 per year for full coverage and $799 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 $1,843 per year for full coverage car insurance and $495 per year for minimum coverage. The average driver in Massachusetts pays $2,066 per year for full coverage and $533 per year for minimum coverage.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Belvidere Center	$1,576	+5%
Waitsfield	$1,538	+2%
Weston	$1,514	+0%
Fairfax	$1,510	+0%
Saint Albans Bay	$1,518	+1%
North Hero	$1,528	+1%
Graniteville	$1,548	+3%
Wolcott	$1,568	+4%
Ripton	$1,495	-1%
East Burke	$1,540	+2%
Corinth	$1,572	+4%
Concord	$1,554	+3%
Richford	$1,521	+1%
Underhill Center	$1,458	-3%
Saint Johnsbury Center	$1,537	+2%
West Pawlet	$1,516	+1%
Bridport	$1,500	-0%
Highgate Center	$1,513	+0%
North Ferrisburgh	$1,499	-1%
Mc Indoe Falls	$1,544	+2%
Jeffersonville	$1,575	+4%
Pownal	$1,530	+2%
Hydeville	$1,529	+1%
South Pomfret	$1,532	+2%
East Poultney	$1,539	+2%
East Saint Johnsbury	$1,552	+3%
Norton	$1,556	+3%
Chelsea	$1,567	+4%
Bakersfield	$1,512	+0%
Troy	$1,556	+3%
Readsboro	$1,527	+1%
Marshfield	$1,556	+3%
Shoreham	$1,498	-1%
Westminster	$1,534	+2%
Waterbury	$1,550	+3%
Shaftsbury	$1,526	+1%
Jericho	$1,485	-1%
Sharon	$1,537	+2%
Whitingham	$1,534	+2%
Essex Junction	$1,407	-7%
Adamant	$1,533	+2%
Rutland	$1,469	-3%
East Barre	$1,559	+3%
Pawlet	$1,514	+1%
Cabot	$1,565	+4%
Moretown	$1,543	+2%
Glover	$1,526	+1%
South Newfane	$1,528	+1%
Stockbridge	$1,536	+2%
Hinesburg	$1,504	-0%
Lowell	$1,558	+3%
Bridgewater	$1,543	+2%
Colchester	$1,466	-3%
Saint Johnsbury	$1,543	+2%
Underhill	$1,508	+0%
Canaan	$1,563	+4%
Strafford	$1,542	+2%
Wardsboro	$1,531	+2%
East Montpelier	$1,518	+1%
North Troy	$1,558	+3%
West Glover	$1,546	+3%
Post Mills	$1,552	+3%
Taftsville	$1,539	+2%
Starksboro	$1,509	+0%
West Rutland	$1,485	-1%
Derby	$1,549	+3%
Dorset	$1,518	+1%
Sheldon Springs	$1,520	+1%
Montpelier	$1,513	+0%
Pittsford	$1,524	+1%
Bethel	$1,540	+2%
Fairlee	$1,557	+3%
East Dover	$1,523	+1%
North Hyde Park	$1,562	+4%
Eden Mills	$1,576	+5%
Williamstown	$1,562	+4%
Center Rutland	$1,481	-2%
Proctor	$1,469	-3%
Randolph	$1,558	+3%
Jamaica	$1,527	+1%
South Burlington	$1,413	-6%
South Royalton	$1,538	+2%
Jonesville	$1,458	-3%
Williston	$1,471	-2%
Morgan	$1,550	+3%
North Thetford	$1,552	+3%
Wells	$1,511	+0%
North Hartland	$1,541	+2%
East Wallingford	$1,520	+1%
Thetford Center	$1,549	+3%
Manchester Center	$1,522	+1%
West Halifax	$1,528	+1%
Plainfield	$1,551	+3%
Wells River	$1,549	+3%
Saint Albans	$1,509	+0%
Norwich	$1,520	+1%
West Topsham	$1,559	+3%
Brandon	$1,518	+1%
Craftsbury Common	$1,537	+2%
Danville	$1,542	+2%
Burlington	$1,427	-5%
Poultney	$1,515	+1%
Island Pond	$1,547	+3%
Beecher Falls	$1,554	+3%
Ferrisburgh	$1,509	+0%
Greensboro	$1,532	+2%
West Danville	$1,551	+3%
East Calais	$1,554	+3%
Northfield	$1,545	+3%
Pittsfield	$1,513	+0%
Montgomery Center	$1,505	-0%
Eden	$1,576	+4%
Brownsville	$1,511	+0%
Brattleboro	$1,523	+1%
Stowe	$1,563	+4%
Beebe Plain	$1,547	+3%
Enosburg Falls	$1,519	+1%
Westford	$1,507	+0%
Mount Holly	$1,521	+1%
Lyndonville	$1,550	+3%
South Londonderry	$1,527	+1%
Albany	$1,556	+3%
Randolph Center	$1,557	+3%
Putney	$1,524	+1%
East Haven	$1,556	+3%
Bridgewater Corners	$1,539	+2%
Hyde Park	$1,573	+4%
Salisbury	$1,500	-0%
Lyndon Center	$1,550	+3%
Lunenburg	$1,559	+3%
Hartland	$1,537	+2%
Woodbury	$1,554	+3%
Cuttingsville	$1,526	+1%
Killington	$1,516	+1%
Vernon	$1,536	+2%
Franklin	$1,515	+1%
Ludlow	$1,522	+1%
Townshend	$1,518	+1%
Sheldon	$1,511	+0%
Florence	$1,521	+1%
Craftsbury	$1,533	+2%
Fairfield	$1,510	+0%
Calais	$1,540	+2%
Highgate Springs	$1,525	+1%
Passumpsic	$1,547	+3%
Waterbury Center	$1,542	+2%
Swanton	$1,512	+0%
White River Junction	$1,534	+2%
Bomoseen	$1,513	+0%
South Barre	$1,547	+3%
Middlebury	$1,491	-1%
East Hardwick	$1,538	+2%
West Townshend	$1,519	+1%
Rochester	$1,530	+2%
East Corinth	$1,556	+3%
West Hartford	$1,533	+2%
Milton	$1,505	-0%
Fair Haven	$1,515	+1%
Cambridge	$1,527	+1%
Peru	$1,527	+1%
Proctorsville	$1,530	+2%
Springfield	$1,528	+1%
East Randolph	$1,558	+3%
Washington	$1,560	+4%
Newport Center	$1,545	+3%
Reading	$1,531	+2%
Newfane	$1,532	+2%
West Wardsboro	$1,529	+1%
Quechee	$1,531	+2%
Johnson	$1,569	+4%
Danby	$1,521	+1%
Guildhall	$1,556	+3%
Topsham	$1,555	+3%
Cambridgeport	$1,528	+1%
Gilman	$1,558	+3%
Bellows Falls	$1,540	+2%
Saxtons River	$1,528	+1%
Peacham	$1,540	+2%
Brookfield	$1,555	+3%
Tunbridge	$1,546	+3%
Wallingford	$1,518	+1%
Sheffield	$1,550	+3%
Lake Elmore	$1,567	+4%
Grafton	$1,520	+1%
Waterville	$1,576	+5%
Barton	$1,548	+3%
Sutton	$1,554	+3%
Plymouth	$1,523	+1%
East Berkshire	$1,512	+0%
Castleton	$1,517	+1%
Irasburg	$1,555	+3%
Bristol	$1,511	+0%
Woodstock	$1,524	+1%
West Dummerston	$1,519	+1%
Derby Line	$1,547	+3%
Windsor	$1,520	+1%
East Dorset	$1,521	+1%
Websterville	$1,542	+2%
Ascutney	$1,528	+1%
Forest Dale	$1,539	+2%
North Concord	$1,558	+3%
Perkinsville	$1,531	+2%
Bondville	$1,516	+1%
Northfield Falls	$1,542	+2%
Gaysville	$1,533	+2%
Isle La Motte	$1,536	+2%
Vergennes	$1,511	+0%
West Charleston	$1,546	+3%
Richmond	$1,505	-0%
Worcester	$1,543	+2%
West Fairlee	$1,560	+3%
North Clarendon	$1,509	+0%
Hartland Four Corners	$1,541	+2%
Cavendish	$1,523	+1%
North Pownal	$1,530	+2%
Barnet	$1,547	+3%
South Woodstock	$1,529	+2%
Charlotte	$1,501	-0%
Westfield	$1,554	+3%
Grand Isle	$1,531	+2%
South Strafford	$1,543	+2%
Arlington	$1,525	+1%
East Thetford	$1,549	+3%
East Arlington	$1,525	+1%
Winooski	$1,422	-6%
West Rupert	$1,524	+1%
Hardwick	$1,551	+3%
New Haven	$1,495	-1%
Vershire	$1,552	+3%
Chester	$1,526	+1%
Alburgh	$1,542	+2%
Middletown Springs	$1,515	+1%
Newbury	$1,564	+4%
Barre	$1,522	+1%
North Pomfret	$1,533	+2%
South Ryegate	$1,554	+3%
Londonderry	$1,528	+1%
Morrisville	$1,570	+4%
Warren	$1,540	+2%
Westminster Station	$1,528	+1%
Williamsville	$1,530	+2%
Wilmington	$1,519	+1%
Belmont	$1,525	+1%
West Burke	$1,548	+3%
South Hero	$1,530	+2%
West Dover	$1,520	+1%
Granville	$1,509	+0%
Averill	$1,554	+3%
East Fairfield	$1,509	+0%
Chittenden	$1,520	+1%
North Bennington	$1,524	+1%
Huntington	$1,497	-1%
Roxbury	$1,550	+3%
East Charleston	$1,546	+3%
Lower Waterford	$1,552	+3%
Bradford	$1,565	+4%
Groton	$1,552	+3%
Jacksonville	$1,530	+2%
Bennington	$1,528	+1%
Orwell	$1,498	-1%
West Newbury	$1,542	+2%
Moscow	$1,562	+4%
East Ryegate	$1,551	+3%
North Springfield	$1,521	+1%
Greensboro Bend	$1,540	+2%
Orleans	$1,550	+3%
Stamford	$1,531	+2%
Shelburne	$1,463	-3%
Newport	$1,555	+3%
North Montpelier	$1,539	+2%
Hancock	$1,497	-1%
Whiting	$1,497	-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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Frequently asked questions

No single company will always offer the cheapest Vermont auto insurance. A carrier that offers your friend a cheap rate may not be able to do the same for you because your car insurance rate is based on factors that are unique to you. Your age, gender and credit-based insurance score can all play a role in determining your rate in Vermont, as does your driving history. And each insurer weighs these factors differently. The best way to find the cheapest rate for you is to get quotes from several companies for the same coverage types and levels.
Getting car insurance quotes in Vermont isn’t hard. You can typically get them online in just minutes. The more information you provide up front, the more accurate your quote will be. Some information, like the year, make and model of your car, will be necessary, but if you want to know what you’ll actually pay, you should consider also providing your vehicle identification number (VIN), Social Security number, driver’s license number, bank information and address. This will allow the insurance company to check your driving record and credit to give you an accurate rate.
Vermont drivers need to carry a minimum amount of liability coverage and uninsured motorist coverage to drive: $25,000 in bodily injury liability per person and $50,000 per accident, $10,000 in property damage liability, $50,000 in uninsured motorist bodily injury per person and $100,000 per accident, as well as $10,000 in uninsured motorist property damage coverage. If you don’t want to buy car insurance, you can file evidence of self-insurance via a $115,000 bond with the Commissioner of Motor Vehicles to satisfy the financial responsibility law.
There are lots of ways you might be able to lower your car insurance cost in Vermont. First, ask for quotes from several companies. If you're working with an agent, make sure they are applying all possible discounts to your policy (sometimes calling the company can help ensure you’re really getting all the discounts possible). For instance, bundling your home and auto insurance typically nets you a pretty hefty discount.

Raising your insurance deductible may also help you secure a lower rate, but make sure it's an amount you can afford to pay on short notice. If you are generally a safe driver, you may want to look at telematics programs, which monitor your driving in real time and earn you discounts for safe driving. Keep in mind, though, that some insurers will also raise your rates if they detect unsafe habits, so be sure to read the fine print before signing up.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze March 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:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To 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.

Best car insurance in Vermont for 2025

Best car insurance companies in Vermont

Geico

Best for low average rates

Overview

Pros and cons

Geico standout features

State Farm

Best for bundling

Overview

Pros and cons

State Farm standout features

USAA

Overview

Pros and cons

USAA standout features

Nationwide

Best for coverage add-ons

Overview

Pros and cons

Nationwide standout features

Allstate

Best for discounts

Overview

Pros and cons

Allstate standout features

How Bankrate chose the best car insurance companies in Vermont

Compare auto insurance rates

How to find the best car insurance in Vermont

Consider minimum insurance requirements in Vermont

Consider lender requirements

Consider your individual needs

Related content:

Driving without insurance in Vermont Previously Read

Vermont car insurance laws Previously Read

Car insurance rates by city Previously Read

How much is car insurance in Vermont?

Estimate your car insurance cost in Vermont

Calculate your monthly car insurance payment

Frequently asked questions

What is the cheapest car insurance company in Vermont?

What information is needed to get car insurance in Vermont?

Does Vermont require car insurance?

How can I lower my car insurance in Vermont?

Methodology

Bankrate Score