Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in Vermont
Jerry is a free app trusted by 988 Vermont drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Vermont car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $380 a month for full coverage. But in Vermont, Jerry drivers pay less:
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$33 to $59 per month for state-mandated minimum coverage.
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$89 to $161 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Vermonters save an average of $1,344 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help and do the legwork so you can compare quotes and get covered in Vermont in under 10 minutes. The process is entirely online and free. That means no spam calls because we never sell your data. You stay in control, but if you prefer to talk to a real person, you can connect with a licensed agent anytime.
Keep in mind that rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. Here are some full coverage rates that Jerry drivers in Vermont have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Vermont homeowners contend with harsh winters, heavy snowfall, ice dams, and spring flooding as rivers swell during the thaw. Bundling home and auto insurance is one of the most effective ways to manage your overall insurance costs.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Vermont drivers are paying with Jerry
If you want to make sure you’re not overpaying for car insurance, comparing quotes from multiple carriers is the best place to start. Whether you’re building a policy from scratch, matching your current coverage or hunting for the cheapest car insurance in Vermont, it helps to see your options side by side.
That matters in Vermont, where mountain roads, rural highways, and some of the toughest winter driving in New England shape what you’ll pay. Burlington-area drivers face more congestion, while the rest of the state deals with longer commutes and fewer road options. With a smaller market of carriers, comparing the options available to you matters even more. Jerry works with Vermont drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 4 trusted insurers in the Green Mountain State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Vermont drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Vermont
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Vermont car insurance coverage requirements
Drivers in Vermont are legally required to carry liability coverage as well as uninsured motorist protection. State minimum requirements include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$10,000 in property damage liability per accident.
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$50,000 in uninsured/underinsured motorist coverage per person.
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$100,000 in uninsured/underinsured motorist coverage per accident.
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$10,000 in uninsured/underinsured motorist property damage coverage per accident, with a $150 deductible.
While this is the minimum insurance requirement in Vermont before you can legally drive, many Jerry drivers actually choose higher liability limits, along with comprehensive and collision coverage. When you also consider that nearly 12% of Vermont drivers are uninsured or underinsured, it may also be wise to purchase additional uninsured/underinsured motorist (UM/UIM) protection.
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Coverage definitions
Factors affecting Vermont car insurance rates in 2026
Winter driving hazards
Snow, ice and constant freeze-thaw cycles make Vermont roads unreliable for months at a time. Collision coverage pays for your car after a winter crash, and in a state where slick roads are the norm from November through April, we recommend keeping it active year-round.
Deer collisions
Vermont sees a high volume of deer-related crashes, particularly during low-light hours on rural routes. Comprehensive coverage typically pays for animal impacts, so it’s an important layer if most of your driving happens outside town.
Two-lane road crash severity
Many Vermont roads are narrower, darker and less forgiving than multi-lane highways, and when crashes happen at speed on these roads, they tend to be more severe. Consider carrying collision coverage and make sure your liability limits can handle a serious accident.
Uninsured drivers
Nearly one in eight Vermont drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Nor’easters and falling debris
Winter storms can bring heavy snow loads and downed branches that damage vehicles parked outdoors. Think about keeping comprehensive coverage for falling objects and storm-related damage outside of a collision, even if your car is just sitting in the driveway.
Limited repair access
In more rural parts of the state, tow distances are longer and repair shop options are limited, which adds cost and time to any claim. Check whether your policy includes roadside assistance, and set a deductible you can comfortably cover so those secondary expenses don’t snowball.
Average cost of car insurance in major Vermont cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $129 | |
| $114 | |
| $128 | |
| $98 | |
| $116 | |
| $146 | |
| $111 | |
| $138 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Vermont quotes in as little as 2 minutes.
Learn more about driving in Vermont
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Vermont an at-fault insurance state?
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Does Vermont allow electronic proof of insurance?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.