Vermont Auto Insurance Rates & Guide (2026)
The countrywide average auto premium is about $1,258/year (NAIC, 2022). Vermont ranks among the 10 least expensive states for auto insurance.
Est. State Avg (illustrative)
$1,180
Minimum Coverage
$25K/$50K/$10K
Uninsured Driver Rate
9.7%
Uninsured driver rate: Insurance Research Council (IRC) 2022 estimates (published 2023), via the Insurance Information Institute. National average: 14.0%.
What does auto insurance cost in Vermont?
No free public authority publishes a reliable city-by-city average premium, so we don’t invent one. What is verifiable: the countrywide average auto premium was about $1,258/year in 2022 (NAIC), and by the NAIC’s 2021 average-expenditure data, vermont ranks among the 10 least expensive states for auto insurance. Your own rate depends far more on your ZIP code, age, driving record, vehicle, and coverage level than on any statewide figure — always compare quotes from several insurers.
Vermont Minimum Auto Insurance Requirements
Vermont requires all drivers to carry minimum liability insurance of 25/50/10 (Bodily Injury per person / Bodily Injury per accident / Property Damage):
- •Bodily Injury (per person): $25K — covers injuries you cause to one person
- •Bodily Injury (per accident): $50K — total coverage for all injured persons in one accident
- •Property Damage: $10K — covers damage you cause to others' property
What Vermont Drivers Need to Know
Vermont is a tort state that routinely ranks alongside Maine as one of the lowest-cost auto insurance states in the country. The combination of low population, minimal congestion outside Burlington, low crime rates, a measured litigation culture, and a competitive insurance market creates an enviably affordable insurance environment for Vermont drivers. Required minimums of 25/50/10 are on the lower end nationally, but Vermont's overall claims costs are so modest that even minimum-limits drivers face relatively limited exposure.
Vermont's primary driving risks are seasonal — winter weather generates meaningful accident frequency, and the state's abundant wildlife population, particularly deer, creates collision risk throughout the year. Vermont's maple sugar and fall foliage seasons bring significant tourist traffic that temporarily elevates accident risk on rural state routes. Burlington carries the state's highest rates due to population concentration, but even Burlington is very affordable by New England standards. Vermont drivers who compare quotes across available carriers can typically find excellent value for comprehensive protection.
How to Get Cheaper Auto Insurance in Vermont
Compare quotes from at least 5 insurers — rates can vary by $500–$1,500 for the same coverage
Bundle auto with homeowners or renters insurance for 10–20% savings
Ask about all available discounts: safe driver, good student, military, professional association
Consider a higher deductible ($1,000 vs $500) to lower your premium by 15–20%
Use telematics/usage-based programs if you're a safe, low-mileage driver
Maintain a clean driving record — even one ticket can increase rates 20–40%
Check your credit score — most states allow credit-based insurance scoring
Related Guides
Vermont Auto Insurance FAQs
How much does car insurance cost in Vermont?
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No free authority publishes a precise Vermont average, so treat any single number as a ballpark. For national context, the countrywide average auto premium was about $1,258/year in 2022 (NAIC), and vermont ranks among the 10 least expensive states for auto insurance. Your own rate depends far more on your ZIP code, age, driving record, vehicle, and coverage level than on any statewide figure — compare quotes from several insurers.
What is the minimum car insurance required in Vermont?
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Vermont requires at least $25K/$50K/$10K in liability coverage to drive legally. These minimums are often not enough to cover a serious accident, so many drivers carry higher limits — a common recommendation is 100/300/100.
How many drivers are uninsured in Vermont?
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An estimated 9.7% of drivers in Vermont are uninsured. Because of that, adding uninsured/underinsured motorist coverage is worth considering — it protects you if an at-fault driver has no insurance or too little.
How can I lower my car insurance rate in Vermont?
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Compare quotes from at least five insurers, bundle auto with home or renters, raise your deductible, and claim every discount you qualify for (safe driver, good student, low mileage). For the same coverage, premiums in Vermont can differ by $500–$1,500 between carriers.
Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.