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Best Cheap Car Insurance in Vermont

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You can expect to pay between $708 and $1,047 for car insurance if you have a clean driving record, which depends on your provider.  Check out the recommendations below to get the best deal on car insurance in Vermont.

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Best Car Insurance in Vermont:

Vermont Car Insurance Overview

Are you a resident of the Green Mountain State? Use our guide to stay safe and covered on the road. Here are a few fast facts about driving in Vermont:

  • There is an average of 2 cars per household in Vermont. 
  • Minimum car insurance requirements are as follows: 
    • Bodily injury liability coverage: $25,000 per person and $50,000 per accident
    • Property damage liability coverage: $10,000
    • Uninsured motorist bodily injury coverage: $50,000 per person and $100,000 per accident
    • Uninsured motorist property damage coverage: $10,000 with a $150 deductible

Vermont Car Insurance Law Explained

Every driver in Vermont must have car insurance to drive a vehicle. You must have at least the following coverages to be on the road legally:

  • Bodily injury liability coverage: Bodily injury liability coverage compensates anyone who you physically injure during an accident. You must have at least $25,000 worth of bodily injury liability coverage per person and $50,000 per accident to drive in Vermont.
  • Property damage liability coverage: Property damage liability coverage compensates anyone whose property you damage during a collision. You must have at least $10,000 worth of property damage liability coverage to drive in Vermont.
  • Uninsured motorist bodily injury coverage: Uninsured motorist bodily injury coverage compensates you for your medical bills if you’re hit by someone driving illegally without insurance. You must have at least $50,000 worth of uninsured motorist bodily injury coverage per person and $100,000 per accident in Vermont.
  • Uninsured motorist property damage coverage: Uninsured motorist property damage compensates you for damage incurred to your vehicle if you’re hit by a driver without insurance. You must have at least $10,000 worth of uninsured motorist property damage with a $150 deductible in Vermont. 

Driving without insurance comes with a number of penalties, according to Vermont’s Department of Motor Vehicles. You’ll be issued a traffic ticket if you’re caught on the road without at least state minimum coverage. This ticket can result in a fine, points on your driver’s license and even a license suspension, depending on how soon you correct the problem and how long you’ve been without insurance.  

Vermont Traffic Laws You Should Know

Take some time to familiarize yourself with Vermont’s unique traffic laws before you drive. Here are a few things you should know:

  • Seat belts: Every person, regardless of age, is required to wear a seat belt when traveling in Vermont. You may face a fine if you’re caught without a seat belt.
  • Open container laws: There may be no open containers of alcohol in your vehicle while you’re driving under Vermont’s open container laws. You may face DUI charges if caught with an open container of alcohol — even if you weren’t drinking it. Store any open containers in your trunk to prevent misunderstandings.
  • Bicycle lanes: Bicycle lanes are marked in white on the outer exterior of the road. You may not drive or park in the bicycle lane if you’re in a motor vehicle.
  • Pedestrians. Pedestrians in a crosswalk always have the right of way under Vermont law, even if the crosswalk light has already changed. Remain particularly alert if you’re in an area with a large number of crosswalks.
  • Right on red: It’s legal to make a right at a red stoplight, but only after you’ve come to a complete stop and you’ve checked for oncoming traffic. 

Vermont Car Insurance Rates per Vehicle

The type of car you drive can affect how much you pay for car insurance. You’ll pay less if you own a car that’s earned top safety ratings. This is because especially safe vehicles are less likely to be damaged in a crash and can keep you safer during a collision. On the other hand, you’ll pay more for coverage if your vehicle hasn’t done very well on safety tests.

Car insurance companies also look at theft and repair data when they determine your premium. You’ll pay more for coverage if you own a car that’s a frequent target of theft, if your vehicle requires uncommon parts or is very expensive to repair.

Car Insurance Rates by Credit Score

Your credit score can also influence how much you’ll pay for insurance. You’re less likely to file an insurance claim if you have a higher credit score. This means that you’ll pay less for insurance as your score climbs. Conversely, you’re statistically more likely to file a claim if you have a lower score, which can make your car insurance more expensive.

Let’s take a look at just how influential your credit score can be when you shop for car insurance. 

Credit ScoreCheapest ProviderRate for State Minimum Coverage
Poor 300-579State Farm$2,376
Fair 580-669Nationwide$1,675
Good 670-739USAA$1,350
Excellent 740+Liberty Mutual$1,112

Car Insurance Rates for Drivers with a Clean Record

You need to maintain a good driving record if you want to find cheap car insurance. You’re statistically more likely to file another claim in the future if you’ve been in an accident or received a traffic violation in the past. This means that you’ll pay less for insurance if you have a history of playing it safe on the road. Driving defensively, avoiding distracted driving and always following the posted speed limit are ways that you can avoid a traffic violation or accident.

Let’s take a look at what you can expect to pay for coverage if you have a clean driving history. We’ll compare 3 common types of car insurance policies:

  • State minimum coverage: The absolute bare minimum insurance you need to legally drive in Vermont.
  • Standard coverage: A policy that includes state minimum coverage plus collision coverage.
  • Full coverage: A policy that includes state minimum coverage, collision coverage and comprehensive coverage. 
Insurance CompanyState Minimum InsuranceStandard CoverageFull Coverage
AAA$708$1,341$2,015
Travelers$1,047$1,476$2,324
GEICO$775$1,378$2,469
The Hartford$1,012$1,609$2,902
USAA$1,048$1,370$2,358

Car Insurance Rates with Driving Infractions

You’ll pay more for car insurance no matter which provider you choose if you have infractions on your driving record. An accident or traffic violation on your record means you’re statistically more likely to be involved in another incident in the future. This means your insurance will be more expensive.

Not every driving infraction affects your premium in the same way. The more serious your infraction, the more expensive your insurance will be and the longer you’ll pay an increased rate. Let’s take a look at how 3 different types of driving infractions might affect your car insurance rate:

  • At-fault accident: An at-fault collision is one that you’re found to be at least partially responsible for. An at-fault accident on your record will raise your premium by a moderate amount.
  • Speed violation: Speed violations involve driving too far above or below the posted speed limit. A speed violation is a minor driving infraction and will raise your rate by a small amount. There are different degrees of severity when it comes to speed infractions — the higher above the speed limit you were driving, the more your insurance costs will rise.
  • DUI: This stands for driving under the influence of drugs or alcohol. A DUI is a criminal offense and one of the most serious infractions you can have on your record. 
Insurance CompanyAt-Fault Accident Speed Violation DUI
Amica$3,292$1,716$6,309
Ameriprise$2,096$1,635$5,544
Patriot Insurance Company$3,149$1,398$6,441
Frankenmuth$3,205$1,412$4,114
Safeco$2,205$1,745$6,313

Best Car Insurance Providers in Vermont

Let’s take a look at some of the best car insurance providers in the Green Mountain State.

SR-22 Insurance
Yes
Online Purchase
No
Pros
  • Dividend-paying policies in some states
  • Great website and mobile app functionality
  • Total protection without depreciation for new cars
Cons
  • Very few brick-and-mortar locations
  • Mobile application sometimes suffers from connectivity issues

1. Best Overall: Amica Mutual

Amica Mutual is Vermont’s top car insurance company for customer service.

Amica took home the top spot in J.D. Power’s 2019 Auto Insurance Satisfaction Study, which reviews car insurance providers and customer service ratings.

Amica Mutual’s perfect 5 out of 5 score means you’ll likely have a good experience with the company.

Amica also offers a wide range of discounts — you can save up to 25% by insuring multiple cars and 15% when you combine more than 1 policy. 

2. Cheapest Car Insurance in Vermont: Co-op Insurance

Co-op Insurance might be the right choice if you need low-cost insurance.

Co-op offers some of the lowest rates in Vermont’s largest cities, including Burlington, South Burlington, Essex Junction and Stowe.

Co-op offers a wide range of insurance choices and you can bundle your policies together to save even more.

Co-op even offers commercial car insurance coverage so you can protect your drivers more affordably.   

3. Best Coverage for Multiple Cars: State Farm 

You can save on all your vehicles with a State Farm multi-car policy.

State Farm allows you to cover all of your vehicles under a single umbrella of protection.

State Farm also has one of the most impressive discount selections. You can save in an almost endless number of ways — which can help you manage the cost of all your vehicles more efficiently. 

4. Best for Military Personnel: USAA

USAA is a unique auto insurance provider that offers coverage only for members of the armed forces, veterans and their family members. You can quickly get a quote online if you qualify for a USAA plan.

Pros
  • Complete line of insurance, banking, and investment services
  • Easy online forms to quote and bind policies
  • Top-rated customer satisfaction
Cons
  • Very few physical locations
  • Only available to select groups, generally tied to military service and the relatives of members

USAA offers plans at some of the most competitive prices and it’s also consistently highly rated on J.D. Power’s Auto Insurance Satisfaction Study.

USAA offers a number of different ways to save, though there are fewer discounts than with State Farm.  

Driving Off with Affordable Coverage

Have you researched how to lower your car insurance in the past? You might already know that regularly requesting quotes is the best way to make sure that you’re getting the best rates. Every day you go without an accident, you become a less risky driver in the eyes of auto insurance companies. You’ll potentially pay less for auto insurance as you raise your credit score

Satisfied with your current car insurance provider? You can still collect quotes from competitors and use those quotes to negotiate a lower rate or find your newest favorite auto insurance provider. 

Frequently Asked Questions

1) Q: What kind of discounts are usually available?

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1) Q: What kind of discounts are usually available?
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The most common discounts available are multi-policy and auto-pay, but every company is different. Other discounts that are widely available are loyalty, good student and anti-theft device discounts. See our top providers with the best discounts and get a unique quote.

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2) Q: How do I bundle my car insurance with another policy, and should I?

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2) Q: How do I bundle my car insurance with another policy, and should I?
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An agent can help you bundle your car insurance with another policy. You can get a discount on your premium by bundling your home and auto together, for example. Check out the top providers here.

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3) Q: Is there any way I can lower my insurance premiums?

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3) Q: Is there any way I can lower my insurance premiums?
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You can often get a lower premium by maintaining coverage without any gaps in coverage. You can also lower your premium with discounts. Bundling your products is another way to lower your car insurance premiums. Get a customized quote to see if you can lower your premiums.

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*Quotes were obtained using the following profile: base 2015 Toyota Camry, male, 40-years-old. Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners’ secure websites.

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