Cheap Car Insurance in Vermont

How Vermont stacks up

At $1,150 per year for full coverage, Vermont drivers pay 36% less than the national average of $1,789. Low claims frequency and rural roads keep premiums among the lowest in the country.

Premiums vary widely within Vermont based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.

Required minimum coverage in Vermont

Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.

5 ways to lower your Vermont car insurance

• Compare 3+ insurers — drivers who shop can save up to $487/year on average.
• Raise your deductible from $500 to $1,000 if you have an emergency fund.
• Bundle auto with home or renters insurance (10–25% discount).
• Ask about telematics / usage-based discounts (10–30% if you drive carefully).
• Low claims frequency and rural roads keep premiums among the lowest in the country.