Cheap Auto Insurance in Vermont for 2025 (Save Money With These 10 Companies)
If you're looking for cheap auto insurance in Vermont, Geico, Travelers, and Nationwide are top choices. Geico offers the cheapest Vermont car insurance rates, starting as low as $12 per month. Travelers is ideal for safe drivers, while Nationwide is known for its reliable customer service.
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Heidi Mertlich
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Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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UPDATED: Apr 25, 2025
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19,116 reviewsCompany Facts
Min. Coverage in Vermont
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
1,733 reviewsCompany Facts
Min. Coverage in Vermont
A.M. Best Rating
Complaint Level
Pros & Cons
1,733 reviews
3,071 reviewsCompany Facts
Min. Coverage in Vermont
A.M. Best Rating
Complaint Level
Pros & Cons
3,071 reviewsGeico, Travelers, and Nationwide offer cheap auto insurance in Vermont. Geico has the most affordable car insurance in Vermont for as low as a $12 a month. Travelers is the best option for safe drivers while Nationwide has a reliable customer service.
These auto insurance companies in Vermont have enabled customers to enjoy discounts and reliable services.
Our Top 10 Company Picks: Cheap Auto Insurance in Vermont
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $12 | A++ | Budget-Friendly | Geico |
 | #2 | $24 | A++ | Safe Drivers | Travelers |
 | #3 | $25 | A+ | Reliable Service | Nationwide |
 | #4 | $27 | A | New Drivers | American Family |
 | #5 | $28 | B | Affordable Rates | State Farm |
 | #6 | $32 | A | Custom Coverage | Liberty Mutual |
 | #7 | $33 | A | Local Agents | Farmers |
 | #8 | $46 | A+ | Full Coverage | Allstate |
 | #9 | $58 | A+ | Flexible Options | Progressive |
 | #10 | $59 | A+ | Comprehensive Plans | Erie |
The table compares rates for cheap auto insurance in Vermont, highlighting each provider’s strengths to help you find quality, affordable coverage with ease.
- Geico, Travelers, and Nationwide offer cheap auto insurance in Vermont
- Geico auto insurance rates can be as low as $12 a month
- Travelers and Nationwide are best for safe drivers and reliability
Compare rates, find discounts, and secure the best coverage at a price that works for you. Use our quote comparison tool to find cheap auto insurance in Vermont. Just enter your ZIP code and start comparing rates.
#1 – Geico: Top Overall Pick
Pros
- Lowest Rates Available: Ensures that drivers can access affordable auto insurance in Vermont and obtain coverage that fits their cost-conscious needs for car protection by keeping rates low.
- Extensive Discount Options: Offers a variety of savings opportunities, making it easier to maintain a financially healthy insurance plan for your vehicle.
- User-Friendly Digital Tools: These tools enhance security and management for car owners by providing easy access to policy details and claim submissions. To understand better, read our Geico auto insurance review.
Cons
- Inconsistent Customer Service: Although the price is excellent, customers seeking reliable auto insurance may not always be satisfied with the assistance they receive.
- Limited Local Agent Support: For people seeking affordable auto insurance in Vermont and preferring in-person insurance advice, focusing on digital tools means fewer in-person encounters.
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#2 – Travelers: Best for Safe Drivers
Pros
- Safe Driver Rewards: Providing financial incentives to promote significantly responsible driving, strengthening safety for both the driver and the car.
- Financial Stability & Claims Satisfaction: Supported by sound financial standing, guaranteeing dependability when coverage is most needed.
- New Car Replacement Coverage: This coverage helps pay for a brand-new replacement car in the event of a significant loss, making it a valuable option for those seeking cheap auto insurance in Vermont.
Cons
- Higher Rates for Risky Drivers: Based on our Travelers auto insurance review, comprehensive coverage may be more expensive for those with a history of accidents.
- Limited Local Presence: Although financially robust, this provider of cheap auto insurance in Vermont may lack sufficient face-to-face engagement for those who prefer one-on-one coaching..
#3 – Nationwide: Best for Reliable Service
Pros
- Vanishing Deductible Program: Slowly decreases out-of-pocket costs, ensuring long-term affordability for personal auto insurance.
- Strong Local Agent Network: Gives reliable assistance via a trustworthy network, ensuring better policy administration and claim support for cheap auto insurance in Vermont.
- Usage-Based Discounts: Encourages cautious driving, helping consumers keep their auto insurance affordable.
Cons
- Slow Claims Processing: Certain users of cheap auto insurance in Vermont have reported Delays in obtaining financial compensation following an event, which impacts prompt car retrieval.
- Not the Cheapest Option for High-Risk Drivers: According to our Nationwide auto insurance review, increased premiums for those with a history of claims may impact some people’s affordability.
#4 – American Family: Best for New Drivers
Pros
- Tailored Programs for Young Drivers: Designed to provide new drivers with appropriate risk management and financial protection.
- Customizable Policies: Enable coverage flexibility, helping car owners create policies that meet their unique needs.
- High Customer Satisfaction in Claims Handling: Ensures a seamless claims process, strengthening confidence in their coverage.
Cons
- Coverage Availability Varies: State-by-state variations in policy options can affect consistency in vehicle coverage, making it essential to compare providers offering cheap auto insurance in Vermont.
- Higher Rates for Poor Credit: Auto insurance can be expensive for individuals with weaker credit scores, making it more challenging to find affordable coverage. To understand better, read our American Family auto insurance review.
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#5 – State Farm: Best for Affordable Rates
Pros
- Competitive Pricing: Makes it easier for drivers to maintain necessary protection by offering affordable coverage. See more of it by reading our State Farm auto insurance review.
- Extensive Network of Local Agents: Those who desire personalized insurance assistance receive hands-on care.
- Financially Stable & Trusted – A reputable provider with a strong track record of offering reliable and cheap auto insurance in Vermont.
Cons
- Limited Online Policy Management: Convenience may be limited due to digital features that are not as sophisticated as those of some competitors.
- Basic Roadside Assistance: Additional service offerings for cheap auto insurance in Vermont might not be as comprehensive as those of other insurers.
#6 – Liberty Mutual: Best for Custom Coverage
Pros
- Highly Customizable Policies: Allow policyholders to tailor their coverage to meet the specific needs of their vehicles. To learn more, view Liberty Mutual auto insurance review.
- Lifetime Repair Guarantee: Guarantees ongoing assistance with auto maintenance at authorized repair facilities.
- Strong Bundling Discounts: Offers drivers seeking cheap auto insurance in Vermont the chance to save money by combining multiple coverage options for greater value and flexibility.
Cons
- Higher Premiums for Some Drivers: Customized programs for cheap auto insurance in Vermont may have higher prices for some profiles.
- Inconsistent Customer Service: Despite having robust policies, service reliability can vary depending on the location.
#7 – Farmers: Best for Local Agents
Pros
- Personalized Service: A robust agent network offers customized guidance to ensure the best possible coverage.
- Great Add-Ons Like Rideshare Coverage: Offers specific guidelines for individuals who use their cars for services like Lyft or Uber, including options for affordable auto insurance in Vermont tailored to rideshare drivers.
- Strong Multi-Policy Discounts: Bundles various insurance plans to help clients reduce expenses. Read more through our Farmers auto insurance review.
Cons
- Higher Base Rates: It might not be the most economical choice for clients on a tight budget and seeking for cheap auto insurance in Vermont.
- Not All Discounts Available Everywhere: The state where you live may have different savings options for cheap auto insurance in Vermont.
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#8 – Allstate: Best for Full Coverage
Pros
- Comprehensive Coverage Options: Provides comprehensive insurance, guaranteeing increased financial stability in the event of a mishap with auto insurance in Vermont.
- Drivewise Telematics Program: According to our Allstate auto insurance review, the company rewards conscientious drivers with possible savings.
- Reputable and Well-Established: A reputable supplier with an extensive track record of dependable service in providing cheap auto insurance in Vermont.
Cons
- More Expensive Than Competitors: Allstate auto insurance in Vermont is typically higher, which can deter buyers on a tight budget.
- Mixed Reviews on Claims Processing: Regarding claim response times, customer experiences vary.
#9 – Progressive: Best for Flexible Options
Pros
- Snapshot Program Rewards Good Driving: Provides financial incentives to promote safer driving practices.
- Flexible Coverage Choices: Offers a variety of distinctive accessories that improve car safety, helping you save on cheap auto insurance in Vermont by qualifying for discounts.
- Competitive Pricing for High-Risk Drivers: This company offers more reasonably priced solutions to people who have had claims or events in the past. To learn more, view our Progressive auto insurance review.
Cons
- Rates May Increase Upon Renewal: After their first policy term, several clients notice a significant increase in premiums.
- Customer Service Varies by Region: Depending on the area, satisfaction ratings for affordable auto insurance in Vermont can vary, which can influence your choice of provider for the best coverage and service.
#10 – Erie: Best for Comprehensive Plans
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Pros
- Top-Rated Customer Service: Consistently receives excellent ratings for handling claims and being responsive, making it a top choice for cheap auto insurance in Vermont.
- Comprehensive Coverage Options: Provides choices for replacing a totaled car with a newer model and offers robust vehicle protection.
- Loyalty Discounts & Low Long-Term Rates: Erie, one of the cheapest auto insurance companies in Vermont, offers long-term policyholders monetary advantages.
Cons
- Limited State Availability: Not accessible in every region, which may limit alternatives for some drivers. See our Erie auto insurance review to learn more.
- Lacks Advanced Online Tools: The digital management tools for cheap auto insurance in Vermont are less advanced than those of leading suppliers.
The Best Auto Insurance Rates and Discounts in Vermont
Understanding Vermont car insurance rates is key to finding the right coverage. This guide compares monthly costs for minimum and full coverage, helping you choose between affordability and comprehensive protection.
Vermont Auto Insurance Monthly Rates by Provider & Coverage Level
| Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $46 | $142 |
| $27 | $85 |
| $58 | $98 |
| $33 | $103 |
| $12 | $38 |
| $32 | $100 |
| $25 | $77 |
| $58 | $181 |
| $28 | $87 |
| $24 | $75 |
Finding the right insurance means balancing cost and coverage. Compare rates to choose the best car insurance in Vermont.
Auto Insurance Discounts From the Top Providers in Vermont
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-policy, Pay-Per-Mile, Anti-Theft, New Car, Early Signing, Full Pay, EZ Pay, Deductible Rewards |
| Teen Drivers, Good Student, Loyal Customer, Low Mileage, Defensive Driving, Generational, Accident-Free, Auto Safety |
| Young Driver, Safe Driver, Multi-policy, Accident Forgiveness, Reduced Usage, Pay-in-Full, Vehicle Storage |
| Home/Auto Bundles, Safe Driver, Good Student, Paperless Billing, Affinity Groups, Early Shopping, Anti-Theft |
| Multi-vehicle, Military, Good Student, Defensive Driving, Federal Employee, Alumni Association, Emergency Deployment |
| New Vehicle, Multi-policy, Good Student, Homeowner, Hybrid Vehicle, Anti-Theft, Early Shopper |
| Accident-Free, SmartRide (usage-based), Multi-policy, Good Student, Family Plan, Affinity, Paperless |
| Snapshot (usage-based), Continuous Coverage, Multi-policy, Online Quote, Teen Driver, Homeowner, Pay-in-Full |
| Safe Driver, Good Student, Multi-policy, Vehicle Safety, Accident-Free, Defensive Driving, Loyalty |
| IntelliDrive (usage-based), Multi-policy, Hybrid/Electric Vehicle, Good Payer, Homeowner, Continuous Insurance |
Take advantage of these discounts to potentially lower your insurance costs. Explore which discounts you qualify for to maximize your savings with the best car insurance providers in Vermont.
Save money on your car insurance by exploring available discounts. See which discounts you qualify for and get the best deals from leading car insurance providers in Vermont.
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How to Save Big on Auto Insurance in Vermont
Vermont brings to mind lush green mountains, charming covered bridges, and stunning autumn colors. From pure maple syrup and craft breweries to outdoor adventures in every season, Vermont is where tradition and nature thrive together.
Vermont Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Affordability | A | Premiums are well below the national average |
| Full Coverage Rates | A- | Low costs for comprehensive protection |
| Discounts & Savings Opportunities | B+ | Many options available for qualified drivers |
| Vehicle Theft Rates | B | Very low theft rates help keep premiums low |
| Traffic & Accident Rates | B- | Low traffic but some rural accident risk |
| Credit Score Impact | C+ | Credit still affects rates, though less severely |
| Uninsured Drivers | C | Few, but still present, uninsured drivers |
With endless outdoor activities in Vermont, no one wants to waste time searching for cheap auto insurance in Vermont. Comparing rates takes time, but with rising costs, it’s essential.
Vermont Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 30% | Most major insurers |
| Multi-Policy Discount | A- | 25% | State Farm, Allstate, Progressive, Farmers |
| Good Student Discount | B+ | 20% | Geico, State Farm, Nationwide |
| Low Mileage Discount | B | 15% | USAA, Allstate, Liberty Mutual |
| Anti-Theft Discount | B- | 10% | Most major insurers |
| Pay-in-Full Discount | C+ | 10% | Progressive, Liberty Mutual, Travelers |
| Defensive Driving Discount | C | 10% | Farmers, American Family, Nationwide |
In Vermont, there are many fun outdoor activities available. However, finding affordable auto insurance can take time, which is not ideal. With rising insurance costs, it’s more important than ever to find the right coverage quickly.
We’ve simplified car insurance for you. Find company ratings, average premiums, state laws, and tips on securing low-income coverage in Vermont, all in one place.
Top Factors Affecting Auto Insurance Rates in Vermont
Colorado law requires drivers to maintain minimum liability auto insurance to cover expenses in at-fault accidents.
Vermont Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Barre | 600 | 450 |
| Bennington | 700 | 500 |
| Brattleboro | 750 | 550 |
| Burlington | 2,000 | 1,500 |
| Colchester | 900 | 700 |
| Essex Junction | 850 | 650 |
| Montpelier | 500 | 400 |
| Rutland | 1,100 | 850 |
| South Burlington | 1,300 | 1,000 |
| St. Albans | 600 | 450 |
As a fault state, Vermont requires your liability insurance to cover damages if you’re responsible for an accident. Uninsured/underinsured motorist and medical payments coverage are required unless waived in writing.
Core Coverage Options in Vermont
In Vermont, collision coverage is the only type where residents pay more than the national average, yet full coverage overall remains lower. Even with an affordable high-risk auto insurance plan, Vermonters still enjoy competitive rates.
Auto Insurance Discounts From Top Vermont Providers
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 30% |
| 25% | 25% | 25% | 20% | 30% |
| 25% | 25% | 23% | 15% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 15% | 30% |
| 5% | 20% | 40% | 15% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
| 15% | 17% | 25% | 25% | 30% |
| 15% | 13% | 10% | 8% | 30% |
A full insurance policy includes essential coverage types: liability, collision, and comprehensive, offering well-rounded protection on the road.
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Affordable Auto Insurance Providers in Vermont
Choosing the right auto insurance in Vermont becomes simpler when you understand how it works and the key factors to consider.
Other factors affect your insurance rates besides a clean driving record, like your car type. Older, safer vehicles with low repair costs usually come with cheaper premiums.
Compare rates for cheap auto insurance in Vermont, seek discounts, and ensure the policy fits your needs while keeping costs low. Check coverage and deductibles for the best deal.
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Finding affordable car insurance in Vermont is easy when you know where to search. Choosing the right provider helps you find affordable car insurance in Vermont without sacrificing quality or coverage. Want the best car insurance deal? Enter your ZIP code now to find the cheapest auto insurance rates in Vermont.
Frequently Asked Questions
What factors make Geico the top cheap auto insurance provider in Vermont?
Geico is ranked as the top cheap auto insurance provider in Vermont due to its budget-friendly insurance, low monthly rates starting at $12, and strong customer satisfaction.
How do Travelers and Nationwide differentiate themselves in terms of services for safe drivers and reliability?
Travelers is best for safe drivers because of its accident forgiveness and telematics programs, while Nationwide is known for reliable services, claims processing, and customer support. Find cheap auto insurance in Vermont by entering your ZIP code.
What are the minimum auto insurance coverage requirements in Vermont?
Vermont requires minimum coverage of 25/50/10 for liability insurance, which is similar to many other states but does not include personal injury protection (PIP).
What types of discounts do Vermont auto insurance providers offer?
Common auto insurance discounts in Vermont include bundling, safe driver, multi-vehicle, and low-mileage discounts, with Geico and State Farm offering some of the most competitive savings opportunities.
How do Vermont’s average auto insurance rates compare to the national average?
Vermont’s auto insurance monthly rates are generally lower than the national average, especially for full coverage, despite slightly higher collision coverage costs. Find your cheapest auto insurance in Vermont quotes by entering your ZIP code into our free comparison tool.
What role does Vermont’s status as a “fault state” play in determining auto insurance coverage requirements?
As a fault state, Vermont requires at-fault drivers’ liability insurance to cover damages, making core coverage premiums essential for financial protection.
How do factors such as vehicle type, driving history, and location impact Vermont auto insurance premiums?
Insurance premiums in Vermont vary based on factors like a clean driving record, credit score, age, vehicle type, and whether the driver lives in a rural or urban area.
What are the pros and cons of each of the top 10 insurance providers listed?
Each of the top 10 insurance providers has unique advantages, such as Geico’s affordability, Travelers’ safe driver perks, and Liberty Mutual’s custom coverage, requiring consumers to weigh pros and cons carefully. Enter your ZIP code to explore which companies have the cheapest auto insurance in Vermont.
How does Vermont’s accident and claims data by city influence insurance rates and risk assessments?
Vermont accidents and claims per year by city influence insurance rates, as higher accident rates lead to increased premiums due to greater claims frequency. These are the factors that affect auto insurance premiums when choosing cheap auto insurance in Vermont.
What strategies can Vermont drivers use to secure the lowest auto insurance rates?
Drivers can lower their car insurance costs by maintaining a clean driving record, taking advantage of available discounts, increasing deductibles, and comparing rates from different providers.