Compare car insurance quotes in Vermont
Jerry is a free app trusted by 960 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.
Average Vermont car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 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 $160 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 $1,306 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
One of the best ways to save on home insurance in Vermont is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Vermont drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Vermont that you can find.
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 you need to buy before you can legally drive in Vermont, 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 (UIM) protection.
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Coverage definitions
Factors affecting Vermont car insurance rates in 2026
Long winters and slick-road crashes
Snow, ice, and constant freeze-thaw cycles make traction unreliable and can lead to more winter collisions. Collision coverage is the core protection for repairing your car after an accident, especially when road conditions are the main culprit.
Deer strike frequency
Vermont routinely sees a high volume of deer-related crashes, particularly in low-light hours on rural routes. Animal impacts typically fall under comprehensive coverage, so it’s an important piece of protection if your driving is mostly outside town.
Two-lane roads and higher-severity accidents
Many Vermont roads are narrower, darker, and less forgiving than multi-lane highways. When crashes happen at speed on two-lane roads, they can be more severe, which is why both collision coverage and solid liability limits matter.
Uninsured drivers
Nearly 12% of Vermont drivers are uninsured. UM/UIM coverage helps protect you if you’re hit by someone who can’t cover the damage or injury costs.
Nor’easters and falling debris damage
Winter storms can bring heavy snow loads and downed branches that damage vehicles parked outdoors. Comprehensive coverage usually applies to falling objects and storm-related non-collision damage, which can make it a worthwhile layer even if you don’t drive much.
Limited repair options and towing distance
In more rural areas, towing can be longer and repair shops can be fewer, which adds cost and time to a claim. If you drive back roads regularly, roadside assistance or towing coverage can help keep those secondary expenses from snowballing.
ChatGPT can make mistakes. OpenAI doesn’t use JerryGPT workspace data to train its models.
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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City
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Average monthly cost
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|---|---|
| $130 | |
| $115 | |
| $94 | |
| $128 | |
| $116 | |
| $141 | |
| $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.
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Learn about uninsured motorist coverage and why it matters.
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Discover how to get the best car insurance discounts.
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.