Good news for Vermont drivers: Jerry’s latest data shows that liability coverage in the Green Mountain State averages about $154 per month. Over the past year we’ve helped 230 Vermont drivers lower their costs, and those who switch with Jerry save an average of $3,153 annually without sacrificing important protection.
Jerry compares quotes from up to 2 trusted insurers in Vermont to build your policy and help you secure your best rate in minutes.
Save on Vermont insurance with Jerry
What Vermont drivers are paying right now
Insurance prices in Vermont shift more than you might expect. Rural mileage, long winter seasons, mountain road conditions and small-town claim trends all play a role in what you pay. Even two drivers with nearly identical profiles can receive very different quotes depending on their ZIP code, driving frequency and vehicle type.
Jerry tracks live quotes across Vermont to give you a current, real-world view of what drivers are paying today. Below are recent full coverage policies purchased through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates periodically. In Vermont, winter weather, changing claim patterns and even minor updates to your driving history can shift what you’ll pay when renewal arrives.
4 smart ways Jerry helps Vermont drivers save on car insurance
Finding the cheapest upfront number isn’t the real goal. Smart savings come from understanding how insurers price risk in Vermont, then adjusting what you can without weakening your coverage.
Jerry simplifies the process by comparing real quotes, surfacing discounts you might otherwise miss and showing you where the meaningful savings actually are.
Here are our top tips to help you spend less and worry less.
| How to save | Average Vermont driver savings |
|---|---|
| Compare quotes | 23% to 42% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Use telematics | 6% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Vermont’s mix of mountain roads, rural highways, snow-heavy winters and relatively low traffic density makes pricing highly dependent on how insurers model regional risk. Some companies weigh wildlife collisions heavily, others focus more on snow-related claims or long-distance commuting.
That’s why quotes can vary dramatically for the same driver. Comparing rates side by side with Jerry is the fastest way to ensure you’re not overpaying.
Here’s where Vermont drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Vermont drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Two Vermont drivers with identical vehicles and clean records can still pay very different premiums based on town size, road conditions or weather exposure. Jerry shows you the full price spread instantly so you can choose the best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Many Vermont drivers qualify for multiple discounts like safe-driver incentives, multi-car policies, paperless billing, anti-theft devices and bundling home and auto. But insurers rarely apply all available discounts automatically.
Jerry identifies the discounts you qualify for, making sure your savings don’t get overlooked.
Key takeaway: Stacking discounts often delivers more meaningful savings than adjusting your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible is one of the simplest, most effective ways to adjust your premium. Vermont drivers face significant seasonal changes, with icy roads in winter and wildlife-related claims in fall, so pick a deductible you can comfortably afford if a claim comes up.
Here’s what Jerry drivers are choosing for their deductibles:
To find your ideal deductible:
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Review your car’s value (Jerry updates this monthly).
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Choose an out-of-pocket amount you can realistically handle.
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Compare how each deductible level affects your rate in real time.
The Jerry difference: Jerry shows real-time savings across multiple deductible levels, making it easy to choose the right balance of cost and protection.
Jerry Agent Tip 4: Use telematics to set your rate
Telematics programs reward safe driving habits with real discounts. Driving behavior matters in Vermont, where winding rural roads, long distances and winter commutes can raise risk. Jerry data shows drivers who use telematics save an average of 6%.
Jerry’s DriveShield takes that further. It monitors your driving, scores your habits and automatically shops for lower rates when you qualify. Your drive score is only shared with insurers when it can help you secure a discount.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Vermont requires 25/50/10 liability coverage, plus uninsured/underinsured motorist coverage. But with winter storms, rural wildlife activity and expensive vehicle repairs, many drivers choose more than the minimum.
These are the common coverage tiers you’ll see:
Minimum
$32 – $59/mo
Meets Vermont’s liability and UM/UIM requirements but does not cover damage to your own vehicle.
Full
$73 – $124/mo
Adds collision and comprehensive, often required if your vehicle is leased or financed.
Preferred
$102 – $184/mo
Higher liability limits, lower deductibles and extras like towing or rental reimbursement mean maximum protection.
Key takeaway: Start with your comfort around risk and your vehicle’s value. Jerry shows real-time prices for all coverage tiers so you can choose confidently.
The cheapest Vermont policy is minimum liability, but adding collision or comprehensive can make a major difference when winter or wildlife damage strikes.
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Coverage definitions
Vermont insurance factors at a glance
Vermont’s roads tell the story behind its rates. From long snowy seasons to rural highways where wildlife collisions are common, insurers price coverage based on how and where you actually drive. The state’s small population also means local claim trends can influence premiums more quickly than in larger markets.
Winter conditions
Snow, ice and freeze-thaw cycles increase accident frequency so collision insurance is key.
Wildlife collisions
Vermont consistently ranks high for deer-related crashes. (These fall under comprehensive coverage.)
Rural exposure
Long distances and two-lane roads can raise crash severity levels.
Uninsured drivers
Nearly 12% of Vermont drivers are uninsured, making UM/UIM valuable.
Vermont Insurance After a Ticket, Accident or SR-22
Jerry ensures that one mistake doesn’t define your rate for years. We work with insurers that look at your full profile, not just your last violation, and we automatically re-shop your policy as your record improves.
If you got a ticket
Vermont assigns points for speeding and other moving violations. Even a single ticket can raise your premium, and those points can remain on your record for multiple years. Defensive-driving courses may help reduce the impact depending on the violation.
Once your record clears, Jerry automatically shops for lower prices so you can capture savings as soon as you qualify.
Here are the average rate increases we’ve seen for Vermont drivers after a ticket:
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Speeding under 15: 5%
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Speeding over 15: 10%
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Failure to obey traffic sign: 8%
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Reckless driving: 60%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Vermont is an at-fault state. An at-fault crash typically raises premiums by -2%, and those increases often last three to five years. Jerry helps you secure your best rate now, then re-shops your policy when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $398 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Vermont triggers steep penalties and significant rate increases. Most drivers see premiums rise by 0% on average, with elevated pricing lasting several years.
Jerry identifies insurers offering more reasonable high-risk rates and automatically re-shops your policy as your record improves.
Here are the five cheapest insurers for Vermont drivers after DUIs:
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Vermont
Vermont may require an SR-22 filing after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app and you’ll see only insurers that handle the filing. Many carriers charge around $25 per year for SR-22 paperwork.
Car Insurance with Bad Credit
Vermont allows insurers to use credit-based insurance scores when determining auto rates. That means your credit can influence what you pay, but it’s only one factor among many, including your driving record, vehicle type, mileage, claim history and chosen coverage.
Keeping continuous coverage, maintaining a clean driving record and choosing deductibles wisely often make a bigger difference than credit alone. Jerry helps you compare prices instantly so you always find your best available rate.
Average rates in Vermont by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Vermont’s mix of snowy winters, rural roads and wildlife activity means the best insurance isn’t just the cheapest. It’s coverage that fits how and where you actually drive.
Jerry helps you build a policy tailored to Vermont’s realities and automatically re-shops it when your price can improve.
Get Vermont coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
