Nationwide Auto Insurance in Vermont
Nationwide is the 8th-largest U.S. auto carrier with a mid-sized footprint and SmartRide telematics. It's also a major Member-owned cooperative offering both direct and agent channels. Here's what Nationwide typically costs in Vermont for 2026 — plus the 3 cheaper alternatives most Vermont drivers overlook.
Estimated annual premium
$1,050
Estimated monthly
$88
Vermont state avg
$1,150
vs Vermont avg
-9%
Why drivers pick Nationwide
On Your Side Review program — a structured annual review with an agent to find unused discounts. SmartMiles pay-per-mile option for low-mileage drivers.
Where Nationwide falls short
Coverage gaps in some western states; SmartMiles is unavailable in several states (CA, NC, NY).
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 Nationwide in Vermont
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Nationwide for a comparable driver profile in Vermont. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Nationwide discounts available to Vermont drivers
Frequently asked questions
How much does Nationwide auto insurance cost in Vermont?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Nationwide in Vermont runs about $1,050/year (~$88/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 Nationwide cheaper than other carriers in Vermont?
Yes — Nationwide typically runs about 9% below the Vermont state average ($1,150/year for all carriers combined). The cheaper alternatives in Vermont are typically USAA, Erie, GEICO. Whether Nationwide 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 Nationwide offer discounts to Vermont drivers?
Nationwide offers 5+ discounts that Vermont drivers can stack: SmartRide (telematics), SmartMiles (per-mile), Multi-policy, Accident-free, Defensive driving. 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.
Methodology: Estimated annual premium is computed as Nationwide's national average ($1,640) multiplied by Vermont's state-vs-national premium index ($1,150 ÷ national average $1,789 ≈ 0.64x). 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. Nationwide J.D. Power score: 815/1000. A.M. Best rating: A+ (2024).