Key Takeaways
- Bristol West and Progressive offer some of the cheapest car insurance in Vermont.
- The average cost of minimum coverage in Vermont is around $60 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Vermont.
You may find cheap car insurance in Vermont from insurers like Bristol West and Progressive. These companies were among the most affordable options in the state, according to real quotes for Jerry customers.
Here are more cheap quotes in Vermont for minimum and full coverage, plus average costs by age.
Cheap liability car insurance in Vermont
Here are the most affordable car insurance companies in Vermont for minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Monthly Quote
|
Age
|
Date of Policy
|
|---|---|---|---|
| Progressive | $31 | 40 | November 29, 2024 |
| Safeco | $33 | 38 | March 29, 2025 |
| Progressive | $35 | 24 | March 2, 2025 |
| Progressive | $40 | 53 | May 1, 2025 |
| Safeco | $44 | 55 | April 20, 2025 |
Minimum car insurance requirements in Vermont
Vermont’s car insurance requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $10,000 in property damage liability per accident.
- $50,000 in uninsured/underinsured motorist coverage per person.
- $100,000 in uninsured/underinsured motorist coverage per accident.
- $10,000 in uninsured/underinsured motorist property damage coverage per accident, with a $150 deductible.
Cheap full coverage car insurance in Vermont
Here are the most affordable insurers in Vermont for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $107 | $1,282 |
| Progressive | $150 | $1,796 |
| Root | $318 | $3,820 |
| Bristol West | $422 | $5,070 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Vermont
Below are the average costs of car insurance in Vermont for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 21-24 | $139 | $1,663 |
Average auto insurance costs for mature drivers in Vermont (25-54)
Below are the average costs of car insurance for drivers in Vermont between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $155 | $1,863 |
| 35-44 | $85 | $1,020 |
| 45-54 | $84 | $1,003 |
Average car insurance costs for older drivers in Vermont (55+)
Below are the average costs of car insurance for drivers in Vermont 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $87 | $1,043 |
| 65+ | $71 | $848 |
Cheapest car insurance in Vermont by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Vermont
Here are the most affordable insurers in Vermont for those with clean driving records, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $112 | $1,342 |
| Safeco | $115 | $1,381 |
| Root | $318 | $3,820 |
| Bristol West | $422 | $5,070 |
Average auto insurance costs for Vermont drivers with other violations
Below are average car insurance costs in Vermont for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $173 | $2,072 |
| Driving on Sus. License | $93 | $1,113 |
How to find cheap car insurance in Vermont
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Vermont
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
