{"id":324672,"date":"2025-11-11T17:24:18","date_gmt":"2025-11-11T22:24:18","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88420"},"modified":"2025-11-12T13:34:20","modified_gmt":"2025-11-12T18:34:20","slug":"best-in-vermont","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-vermont\/","title":{"rendered":"The Best Car Insurance in Vermont for 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overview\" title=\"The Best Car Insurance in Vermont\"><\/span>\n    \n\n\n<p>Vermont remains one of the cheapest states in the nation for auto insurance. Recent 2025 rate studies from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/vermont-car-insurance\/\">The Zebra<\/a> generally place a typical full coverage policy in Vermont around $1,100\u2013$1,500 per year, with minimum-liability coverage roughly $250\u2013$400 per year. These sources also show Vermont well below the U.S. average in their 2025 comparisons. <\/p>\n\n\n\n<p>When looking for auto insurance in the state of Vermont, you may want to consider more than just each company\u2019s average premium. To find the best car insurance for you, it may be helpful to consider the <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a> customer satisfaction results, AM Best financial strength, policy offerings and available discount options. In 2025, strong picks for many Vermont drivers often include State Farm, Geico and USAA (eligibility required), with Amica Mutual frequently leading New England satisfaction and regional carriers like Vermont Mutual and Concord Group offering competitive local service. Because pricing varies widely by profile, compare several quotes.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Car Insurance Companies in Vermont<\/h2>\n\n\n\n<ul>\n<li><strong><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>:<\/strong> Best for Discounts<\/li>\n\n\n\n<li><strong><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\">Geico<\/a>:<\/strong> Best for Cheap Rates<\/li>\n\n\n\n<li><strong><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>:<\/strong> Best for Customer Service<\/li>\n\n\n\n<li><strong><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>:<\/strong> Best for Military-Centric Options <\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"compare\" title=\"Compare\"><\/span>\n    \n\n\t\t\n<section id=\"block_6238acadbede9\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for State Minimum*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for Full Coverage*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_6238acadbede9-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$447<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,893<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>810\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6238acadbede9-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$211<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$968<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>841\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6238acadbede9-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$366<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,129<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>855\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6238acadbede9-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA***<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$195<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$807<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>887\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of November 2025<\/em><\/p>\n\n\n\n<p><em>*Data sources: 2025 updates from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>, and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/vermont-car-insurance\/\">The Zebra<\/a> (methodologies differ).<\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Auto Insurance Study<\/a> rating for the New England region.<\/em><\/p>\n\n\n\n<p><em>***USAA does not technically qualify for ranking, since membership is restricted to U.S. service members, veterans and qualifying family members. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a broad variety of discounts, earning the company a place on our list of best car insurance providers in Vermont. The easy-to-redeem discounts may reduce your car insurance premium by more than 15%.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,893*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">810**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a broad variety of discounts, earning the company a place on our list of best car insurance providers in Vermont. The easy-to-redeem discounts may reduce your car insurance premium by more than 15%.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Many available discounts<\/li>\n                            <li>High financial strength score<\/li>\n                            <li>Easy-to-use online resources<\/li>\n                            <li>Highly-rated mobile app<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Below-average customer satisfaction score from J.D. Power<\/li>\n                                    <li>More than average <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=40258&#038;REALM=PROD\" rel=\"noopener\" target=\"_blank\">complaints<\/a> filed with the NAIC<\/li>\n                                    <li>Highest average premiums on our list<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">TYPES OF COVERAGE OFFERED<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Collision<\/li>\n<li>Comprehensive<\/li>\n<li>Liability<\/li>\n<li>Medical payments<\/li>\n<li>Uninsured &amp; underinsured motorist<\/li>\n<li>Custom equipment<\/li>\n<li>Roadside assistance<\/li>\n<li>Personal injury protection<\/li>\n<li>Personal umbrella<\/li>\n<li>Rental reimbursement<\/li>\n<li>Classic car insurance<\/li>\n<li>Mexico car insurance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Vehicle safety<\/li>\n<li>Multi-policy<\/li>\n<li>Early signing<\/li>\n<li>Responsible payer<\/li>\n<li>Smart student<\/li>\n<li>New car<\/li>\n<li>Auto-pay<\/li>\n<li>Paperless billing<\/li>\n<li>Pay in full<\/li>\n<li>Safe driving<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Cheap Rates\"><\/span>\n    \n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Cheap Rates<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico offers the least expensive minimum coverage car insurance on our list, with the exception of USAA, which only offers coverage to members of the U.S. Military and their families. Geico features a broad range of additional discounts that may be able to further reduce the company\u2019s already-low average premiums.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$968*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">841**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico offers the least expensive minimum coverage car insurance on our list, with the exception of USAA, which only offers coverage to members of the U.S. Military and their families. Geico features a broad range of additional discounts that may be able to further reduce the company\u2019s already-low average premiums.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low average monthly premiums<\/li>\n                            <li>High financial strength score<\/li>\n                            <li>High customer satisfaction score<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No gap coverage option<\/li>\n                                    <li>More than average <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=35882&#038;REALM=PROD\" rel=\"noopener\" target=\"_blank\">complaints<\/a> filed with the NAIC<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">TYPES OF COVERAGE OFFERED<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Comprehensive<\/li>\n<li>Liability<\/li>\n<li>Rideshare<\/li>\n<li>Rental car<\/li>\n<li>Medical<\/li>\n<li>Uninsured motorist<\/li>\n<li>Collision<\/li>\n<li>Mechanical breakdown<\/li>\n<li>Emergency roadside assistance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Car safety features<\/li>\n<li>Anti-theft system<\/li>\n<li>New vehicle<\/li>\n<li>Good driver<\/li>\n<li>Seat belt use<\/li>\n<li>Defensive driving<\/li>\n<li>Driver education course<\/li>\n<li>Good student<\/li>\n<li>Emergency deployment<\/li>\n<li>Federal employee<\/li>\n<li>Membership &amp; employee<\/li>\n<li>Military<\/li>\n<li>Multi-vehicle<\/li>\n<li>Multi-policy<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Customer Service\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers the best overall auto insurance for drivers in Vermont, according to our research. Featuring the highest customer satisfaction score on our list and the highest financial strength score available, State Farm takes the top position as the best car insurance provider in the state.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,129*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">855**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers the best overall auto insurance for drivers in Vermont, according to our research. Featuring the highest customer satisfaction score on our list and the highest financial strength score available, State Farm takes the top position as the best car insurance provider in the state.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Highest possible financial strength score<\/li>\n                            <li>Above-average customer satisfaction score<\/li>\n                            <li>24\/7 roadside assistance<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=19232&#038;REALM=PROD\" rel=\"noopener\" target=\"_blank\">More complaints<\/a> filed with the National Association of Insurance Commissioners (NAIC) than average.<\/li>\n                                        <li>Does not offer gap coverage<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">TYPES OF COVERAGE OFFERED<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Collision<\/li>\n<li>Comprehensive<\/li>\n<li>Liability<\/li>\n<li>Rental and travel expense<\/li>\n<li>Uninsured &amp; underinsured motorist<\/li>\n<li>Medical payments<\/li>\n<li>Roadside assistance<\/li>\n<li>Rideshare driver<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Collision<\/li>\n<li>Comprehensive<\/li>\n<li>Liability<\/li>\n<li>Rental and travel expense<\/li>\n<li>Uninsured &amp; underinsured motorist<\/li>\n<li>Medical payments<\/li>\n<li>Roadside assistance<\/li>\n<li>Rideshare driver<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA provides a wide range of car insurance coverage types, including options tailored to U.S. Military service members, at a low average rate. The company consistently ranks highly in J.D. Power customer satisfaction studies and received the highest AM Best score for financial strength.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$807*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">887**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA provides a wide range of car insurance coverage types, including options tailored to U.S. Military service members, at a low average rate. The company consistently ranks highly in J.D. Power customer satisfaction studies and received the highest AM Best score for financial strength.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low average annual premiums<\/li>\n                            <li>Excellent customer satisfaction score from J.D. Power<\/li>\n                            <li>Offers coverage options and services tailored to military families<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Only available to U.S. Military service members, veterans and their eligible families<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">TYPES OF COVERAGE OFFERED<\/h4>\n                <div> <ul>\n<li>Collision<\/li>\n<li>Comprehensive<\/li>\n<li>Liability<\/li>\n<li>Uninsured &amp; underinsured motorist<\/li>\n<li>Roadside assistance<\/li>\n<li>Rental reimbursement<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNT AVAILABLE<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Garaging your car on a military base<\/li>\n<li>Bundling<\/li>\n<li>Anti-theft<\/li>\n<li>Safe driver<\/li>\n<li>Good student<\/li>\n<li>New vehicle<\/li>\n<li>Multi-vehicle<\/li>\n<li>Annual mileage<\/li>\n<li>Family discount<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Vermont<\/h2>\n\n\n\n<p>Vermont\u2019s average cost for full coverage typically falls around $1,100\u2013$1,500 per year, keeping the state among the least expensive in the nation, based on 2025 updates from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/vermont-car-insurance\/\">The Zebra<\/a>. Exact figures vary by source and driver profile; when comparing Vermont to the U.S. average, use the national average published by the same study.<\/p>\n\n\n\n<p>Drivers with a clean driving record, a clean claims history and a vehicle with low crash rates may pay less for their insurance. Premiums have risen since 2021 amid higher repair and medical costs \u2014 the <a href=\"https:\/\/www.bls.gov\/regions\/mid-atlantic\/data\/consumerpriceindex_motorvehicleinsurance_us_table.htm\">BLS motor vehicle insurance index<\/a> shows unusually large year-over-year increases through 2024\u20132025 \u2014 so it\u2019s wise to compare quotes across several insurers and consider telematics programs to help offset costs.&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-companies\" title=\"Top 3 Cheapest Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Vermont<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>$807<\/td><\/tr><tr><td>Geico<\/td><td>$968<\/td><\/tr><tr><td>Nationwide<\/td><td>$984<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data sources: 2025 updates from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>, and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/vermont-car-insurance\/\">The Zebra<\/a>. Company rankings and dollar amounts vary by study and driver profile.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-most-expensive-companies\" title=\"Top 3 Most Expensive Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Vermont<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Allstate<\/td><td>$1,893<\/td><\/tr><tr><td>Union Mutual<\/td><td>$1,488<\/td><\/tr><tr><td>State Farm<\/td><td>$1,129<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data sources: 2025 updates from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>, and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/vermont-car-insurance\/\">The Zebra<\/a>. Actual rankings vary by study and driver profile; always compare multiple quotes.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-cities\" title=\"Top 3 Cheapest Cities\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Vermont<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Essex Junction<\/td><td>$1,111<\/td><\/tr><tr><td>South Burlington<\/td><td>$1,114<\/td><\/tr><tr><td>Winooski<\/td><td>$1,119<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* City-level averages fluctuate by source and driver profile. For current 2025 snapshots, see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/vermont-car-insurance\/\">The Zebra<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-expensive-cities\" title=\"Top 3 Most Expensive Cities\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Vermont<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Belvidere Center<\/td><td>$1,240<\/td><\/tr><tr><td>Jeffersonville<\/td><td>$1,240<\/td><\/tr><tr><td>Eden<\/td><td>$1,239<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* City-level averages change over time. For the latest 2025 figures and methodologies, consult <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/vermont-car-insurance\/\">The Zebra<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Guide to Vermont Car Insurance<\/h2>\n\n\n\n<p>In Vermont, motorists are required to have certain insurance coverage types. According to <a href=\"https:\/\/legislature.vermont.gov\/statutes\/section\/23\/011\/00800#:~:text=(a)%20No%20owner%20of%20a,at%20least%20%2425%2C000.00%20for%20one\">Vermont state statute 23 V.S.A. \u00a7 800<\/a>, drivers must purchase bodily injury &amp; property damage liability insurance. Drivers are also required to have uninsured and underinsured motorist coverage as well as uninsured property damage coverage; see the <a href=\"https:\/\/dmv.vermont.gov\/licenses\/insurance-financial-responsibility\">Vermont DMV<\/a> for details.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key Takeaways<\/h3>\n\n\n\n<ul>\n<li>If you can\u2019t provide proof of valid car insurance, you may be fined for up to $500. You have 20 days to show the proof of coverage or your driver\u2019s license will be suspended until you present the document.<\/li>\n\n\n\n<li>Vermont residents can <a href=\"https:\/\/dmv.vermont.gov\/licenses\/mature-drivers#:~:text=The%20Vermont%20Department%20of%20Motor,a%20safer%20place%20to%20drive.\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">request the DMV to re-examine<\/a> neighbors, friends or family members they consider unsafe drivers.<\/li>\n\n\n\n<li>Underage drivers may receive a \u201cjunior license\u201d with certain restrictions.<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Add-Ons\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Car Insurance Add-Ons That May Further Protect You<\/h2>\n\n\n\n<ul>\n<li><strong>Add-on Medical Payments:<\/strong> In the event an accident results in bodily injury to either yourself or the other person involved, medical payments coverage will reimburse you for certain medical expenses, up to your policy\u2019s limits. This coverage is optional in Vermont and can complement your health insurance.<\/li>\n\n\n\n<li><strong>Add-on Roadside Assistance:<\/strong> Vermont is known for its harsh winters and muddy springtime weather, so it\u2019s a good idea to consider roadside assistance coverage in case you get stuck on the side of the road. Look for plans that include higher tow-mile limits, winching and trip interruption benefits, especially given the <a href=\"https:\/\/www.noaa.gov\/news\/us-winter-outlook-2024-2025\">NOAA 2024\u20132025 winter outlook<\/a> and <a href=\"https:\/\/vtrans.vermont.gov\/operations\/winter\">Vermont\u2019s winter road conditions<\/a>.<\/li>\n\n\n\n<li><strong>Add-on Towing &amp; Labor Cost:<\/strong> In the event you need a car towed, towing and labor cost coverage will reimburse you for costs associated with transporting your vehicle to your home or auto shop. In rural areas, consider higher towing limits and explicit winching\/extraction coverage for snow or mud.<\/li>\n\n\n\n<li><strong>Add-on <a href=\"https:\/\/www.reviews.com\/insurance\/car\/comprehensive-collision-insurance\/\" class=\"achor-toggles\">Collision<\/a>:<\/strong> There are many dirt roads in Vermont, as well as oversized tractors and commercial trucks traveling down the road, so adding collision coverage is a great idea for state residents. Note that animal strikes (like deer) are typically covered under comprehensive, not collision \u2014 a common risk in Vermont during fall and early winter (<a href=\"https:\/\/newsroom.statefarm.com\/odds-of-hitting-an-animal-2024\">State Farm analysis<\/a>).<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"minimum-requirements\" title=\"Vermont Minimum Insurance Requirements\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Vermont Minimum Insurance Requirements<\/h2>\n\n\n\n<p>Vermont requires motorists to have a minimum amount of bodily injury liability coverage per person and per accident. The state also mandates a specific dollar amount for property damage liability coverage. In addition, Vermont drivers are required to have uninsured\/underinsured motorist coverage and uninsured property damage coverage. For official details, see the <a href=\"https:\/\/dmv.vermont.gov\/licenses\/insurance-financial-responsibility\">Vermont DMV<\/a> and <a href=\"https:\/\/dfr.vermont.gov\/consumers\/insurance\/auto-insurance\">Department of Financial Regulation<\/a>.<\/p>\n\n\n\n<p>Minimum requirements in the state of Vermont are:<\/p>\n\n\n\n<ul>\n<li>$25,000 bodily injury liability coverage per person<\/li>\n\n\n\n<li>$50,000 bodily injury liability coverage per accident<\/li>\n\n\n\n<li>$10,000 for property damage<\/li>\n\n\n\n<li>$50,000 uninsured motorist bodily injury per person<\/li>\n\n\n\n<li>$100,000 uninsured motorist bodily injury per accident<\/li>\n\n\n\n<li>$10,000 uninsured motorist property damage per accident<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Vermont Auto Insurance FAQ<\/h2>\n\n\n<div id=\"block_6238bcccbee51\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in Vermont?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Vermont drivers must have car insurance that covers $25,000 bodily injury per person and $50,000 bodily injury per accident. Drivers must also have $50,000 in uninsured motorist bodily injury coverage per person, $100,000 in uninsured motorist bodily injury coverage per accident, $10,000 uninsured motorist property damage per accident and property damage coverage of at least $10,000. Alternatively, drivers may provide proof of self-insurance in the amount of $115,000. Drivers are also required to have uninsured motorist and uninsured property damage coverage.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6238bcdbbee52\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average auto insurance cost in Vermont?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">According to 2021 data from Bankrate.com, the average cost of auto insurance in Vermont is $1,207 per year for full coverage and $292 per year for minimum coverage, making it one of the cheapest states in the nation for car insurance.<\/span><span style=\"font-weight: 400;\"> While it is possible for most drivers to find cheap car insurance in this state, your individual rates will be based on personal characteristics such as your driving record, claims history and vehicle type.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6238bd13bee53\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest car insurance company in Vermont?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">USAA has the cheapest average full coverage premium in Vermont at $807 per year, while Union Mutual has the cheapest average minimum coverage premium in the state at $122.<\/span><span style=\"font-weight: 400;\"> Keep in mind that rates vary based on your personal rating factors, so these may not be the cheapest companies for you.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers.&nbsp;<\/p>\n\n\n\n<p>As for average pricing, we reference 2025 updates from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and corroborate with <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/vermont-car-insurance\/\">The Zebra<\/a>. When comparing Vermont with national figures, we use the national average reported by the same source to maintain methodological consistency. A common \u201cfull coverage\u201d benchmark includes limits like the following:<\/p>\n\n\n\n<ul>\n<li>$100,000 bodily injury liability per person<\/li>\n\n\n\n<li>$300,000 bodily injury liability per accident<\/li>\n\n\n\n<li>$50,000 property damage liability per accident<\/li>\n\n\n\n<li>$100,000 uninsured motorist bodily injury per person<\/li>\n\n\n\n<li>$300,000 uninsured motorist bodily injury per accident<\/li>\n\n\n\n<li>$500 collision deductible<\/li>\n\n\n\n<li>$500 comprehensive deductible<\/li>\n<\/ul>\n\n\n\n<p>To determine minimum coverage limits, we reflect Vermont\u2019s statutory requirements. Profiles, vehicles, territories and discount assumptions vary by source; consult each study\u2019s methodology.&nbsp;<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vermont remains one of the cheapest states in the nation for auto insurance. Recent 2025 rate studies from Bankrate, NerdWallet, ValuePenguin and The Zebra generally place a typical full coverage policy in Vermont around $1,100\u2013$1,500 per year, with minimum-liability coverage roughly $250\u2013$400 per year. These sources also show Vermont well below the U.S. average in [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":356917,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Vermont Auto Insurance Companies of 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"On top of its traditional draws, Vermont also claims some of the lowest average auto insurance rates across the country, averaging premiums of about $501.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-vermont\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" 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