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

Minimum liability coverage in Vermont gives drivers a basic level of protection that satisfies the law. It offers financial help for third-party expenses but excludes benefits for your vehicle if you’re involved in a collision. This makes it an ideal fit for cautious drivers or those with modest cars.

Here are the most affordable car insurance companies in Vermont for minimum coverage policies, according to real quotes for Jerry customers. Comparing quotes can help Vermont residents find quality protection that’s easy on the wallet.

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

Getting low-cost full coverage car insurance in Vermont requires choosing a plan that offers thorough protection without stretching your budget. Full coverage often includes liability, collision and comprehensive insurance, making sure both your vehicle and others are financially protected. It’s a wise investment for anyone with a valuable or financed vehicle (and often required on a lease). Vermont drivers should request several quotes to find the most affordable full coverage options available.

Here are the most affordable insurers in Vermont for full coverage policies, according to real quotes for Jerry customers.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average car insurance costs for young drivers in Vermont

Young drivers in Virginia are charged a higher premium because their age group statistically files more claims. With little historical data to evaluate, insurers treat new drivers with added caution. Rates generally improve with a few years of responsible driving but teens should research insurers offering rate reductions for good grades and clean records.

Below are the average costs of car insurance in Vermont for drivers between 18 and 24.

Average auto insurance costs for mature drivers in Vermont (25-54)

In Vermont, those who have been driving safely for years are often rewarded with lower insurance premiums. Insurers rely on historical data, and a clean record speaks volumes because seasoned drivers are less likely to file a claim. This makes their policies more affordable and easier to maintain.

Below are the average costs of car insurance for drivers in Vermont between the ages of 25 to 54.

Average car insurance costs for older drivers in Vermont (55+)

Older drivers in Vermont might experience higher insurance costs as insurers respond to winter road hazards and aging-related impairments. Driving in snow demands alertness and fast responses — skills that can fade with time. Though their records may be clean, aging drivers face different risk levels. Premium increases reflect a proactive approach to these evolving conditions.

Below are the average costs of car insurance for drivers in Vermont 55 and older.

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

Vermont drivers with clean records enjoy increased access to competitive insurance plans. It shows they drive responsibly and within legal limits and insurers prefer to work with customers who demonstrate safe habits. This often translates to better rates and smoother policy approvals.

Here are the most affordable insurers in Vermont for those with clean driving records, according to real car insurance quotes for Jerry customers.

Average auto insurance costs for Vermont drivers with other violations

Other violations or citations in Vermont, such as failure to signal or driving without insurance, can increase your insurance costs. Insurers use these to assess how consistently you follow driving laws. A buildup of such infractions reduces your policy options whereas consistency and compliance help maintain better rates.

Below are average car insurance costs in Vermont for other driving violations.

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.

MEET OUR EXPERTS

Ben Moore

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.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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