Average car insurance cost in Vermont
Vermont is one of the cheapest states in the country for car insurance, ranking #1 of 51. Drivers here pay about 38% less than the national average — roughly $960 a year back in your pocket compared with a typical American driver.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Vermont compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Vermont next to nearby states:
| State | Full coverage /mo | Difference vs VT |
|---|---|---|
| Vermont | $128 | — |
| New Hampshire | $134 | +$6/mo |
| New York | $226 | +$98/mo |
| Massachusetts | $181 | +$53/mo |
Vermont car insurance FAQ
How much is car insurance in Vermont?
Full-coverage car insurance in Vermont averages $128 per month ($1,536 per year). A state-minimum liability policy averages $40 per month ($480 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Vermont more expensive than average?
No. Vermont's full-coverage average of $128/month is about 38% below the U.S. average of $208/month, ranking #1 of 51 (1 = cheapest).
Is Vermont a no-fault state?
No. Vermont is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Vermont?
Minimum liability in Vermont averages $40/month versus $128/month for full coverage — a gap of $88/month, or $1,056/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.