How much does Liberty Mutual auto insurance cost in Vermont?

Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Liberty Mutual in Vermont runs about $1,125/year (~$94/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Liberty Mutual cheaper than other carriers in Vermont?

Liberty Mutual is currently about 5% above the Vermont state average of $1,075/year. The cheaper alternatives in Vermont are typically USAA, Erie, GEICO. Whether Liberty Mutual is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the Vermont minimum coverage requirements?

Vermont requires at least 25/50 thousand in bodily-injury liability per person/per accident and $10K in property-damage liability. Vermont is not a no-fault state, so PIP is optional but recommended for added medical coverage. Low claims frequency and rural roads keep premiums among the lowest in the country.

Does Liberty Mutual offer discounts to Vermont drivers?

Liberty Mutual offers 6+ discounts that Vermont drivers can stack: RightTrack (telematics), Multi-policy, Online discount, Good student, Military, Hybrid/EV. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

How much does Liberty Mutual auto insurance cost in Vermont?

Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Liberty Mutual in Vermont runs about $1,125/year (~$94/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Liberty Mutual cheaper than other carriers in Vermont?

Liberty Mutual is currently about 5% above the Vermont state average of $1,075/year. The cheaper alternatives in Vermont are typically USAA, Erie, GEICO. Whether Liberty Mutual is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the Vermont minimum coverage requirements?

Vermont requires at least 25/50 thousand in bodily-injury liability per person/per accident and $10K in property-damage liability. Vermont is not a no-fault state, so PIP is optional but recommended for added medical coverage. Low claims frequency and rural roads keep premiums among the lowest in the country.

Does Liberty Mutual offer discounts to Vermont drivers?

Liberty Mutual offers 6+ discounts that Vermont drivers can stack: RightTrack (telematics), Multi-policy, Online discount, Good student, Military, Hybrid/EV. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

Liberty Mutual Auto Insurance in Vermont

Liberty Mutual is the 5th-largest U.S. auto carrier with one of the broadest discount catalogs in the industry. RightTrack telematics is its UBI option. Here's what Liberty Mutual typically costs in Vermont for 2026 — plus the 3 cheaper alternatives most Vermont drivers overlook.

Estimated annual premium

$1,125

Estimated monthly

$94

Vermont state avg

$1,075

vs Vermont avg

+5%

Why drivers pick Liberty Mutual

Customizable policy structure — pay-as-you-go RightTrack, accident forgiveness as a paid add-on, and a 'lifetime repair guarantee' on network-shop work.

Where Liberty Mutual falls short

Mid-pack rates and customer-satisfaction scores. Where Liberty wins is on the breadth of its rider/discount catalog rather than base rate.

Vermont minimum coverage requirements

Bodily Injury Liability: 25/50 thousand per person / per accident
Property Damage Liability: $10K

Low claims frequency and rural roads keep premiums among the lowest in the country.

Cheaper alternatives to Liberty Mutual in Vermont

Based on CarSavr's rate modeling, the 3 carriers below typically come in below Liberty Mutual for a comparable driver profile in Vermont. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.

USAA

Active-duty military · Veterans + military spouses + adult military kids

$650/yr

Save $475/yr

Erie

Drivers in Erie's 12-state footprint · Stability-first policy holders

$800/yr

Save $325/yr

GEICO

Clean-record drivers · Online-first shoppers

$825/yr

Save $300/yr

Liberty Mutual head-to-head guides

Side-by-side breakdowns of the Liberty Mutual matchups visitors compare most — premium, claims, telematics, discount stack, and the driver profile each carrier fits best.

Liberty Mutual vs. Geico

~15k US searches/mo

Liberty Mutual vs. State FARM

~12k US searches/mo

Liberty Mutual vs. Allstate

~10k US searches/mo

Liberty Mutual discounts available to Vermont drivers

RightTrack (telematics)Multi-policyOnline discountGood studentMilitaryHybrid/EV

Liberty Mutual Vermont rates by vehicle class

Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Liberty Mutual Vermont estimate for each class:

+10% vs sedan

Liberty Mutual SUV insurance

Vermont estimate · Toyota Highlander, Honda Pilot

+15% vs sedan

Liberty Mutual Pickup truck insurance

Vermont estimate · Ford F-150, Chevy Silverado

+25% vs sedan

Liberty Mutual Electric Vehicle (EV) insurance

Vermont estimate · Tesla Model 3, Tesla Model Y

Liberty Mutual Vermont rates by driver profile

Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Liberty Mutual Vermont estimate for each profile:

+100% vs standard

Liberty Mutual New Driver insurance

Vermont · 16-24

-8% vs standard

Liberty Mutual Senior Driver insurance

Vermont · 65+

+55% vs standard

Liberty Mutual SR-22 High-Risk insurance

Vermont · any (SR-22 required)

-18% vs standard

Liberty Mutual Low-Mileage Driver insurance

Vermont · any (<7,500 mi/yr)

Frequently asked questions

Methodology: Estimated annual premium is computed as Liberty Mutual's national average ($1,860) multiplied by Vermont's state-vs-national premium index ($1,075 ÷ national average $1,789 ≈ 0.60x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Liberty Mutual J.D. Power score: 805/1000. A.M. Best rating: A (2024).