Cheap Vermont Auto Insurance in 2024 (Unlock Big Savings From These 10 Companies!)
Geico, AAA, and Travelers are the leading options for affordable and cheap Vermont auto insurance with starting rates at $12 per month. These companies offer comprehensive coverage and flexible policies, making them excellent choices from Vermont dependable and cost-effective insurance.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Min. Coverage in Vermont
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage in Vermont
A.M. Best Rating
Complaint Level
Pros & Cons
Geico, AAA, and Travelers are the best choices for cheap Vermont auto insurance, providing flexible policies and excellent full coverage options.
All drivers must carry Vermont auto insurance, but luckily Vermont insurance rates are below the national average.
Our Top 10 Company Picks: Cheap Vermont Auto Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $12 A++ Cheap Rates Geico
#2 $23 A Roadside Assistance AAA
#3 $24 A++ Bundling Policies Travelers
#4 $25 A+ Vanishing Deductible Nationwide
#5 $27 A Costco Members American Family
#6 $28 B Customer Service State Farm
#7 $32 A Unique Benefits Liberty Mutual
#8 $33 A Group Discounts Farmers
#9 $46 A+ Infrequent Drivers Allstate
#10 $58 A+ Qualifying Coverage Progressive
While understanding auto insurance can be hard, we have narrowed down everything you need to know to buy the cheap Vermont auto insurance with confidence.
Find cheap Vermont auto insurance rates right now. Just enter your ZIP code for free quotes.
- In Vermont, drivers must carry 25/50/10 liability insurance
- The starting cost of cheap Vermont auto insurance coverage is $12/mo
- By quotes, drivers can find additional savings on their Vermont insurance
#1 – Geico: Top Overall Pick
Pros
- Affordable Rates: Geico offers some of the cheap Vermont auto insurance premiums, making it a cost-effective choice for many drivers in the state.
- Wide Range of Discounts: Geico provides various discounts, such as good driver discounts, multi-policy bundles, and discounts for military service, helping Vermonters save on their auto insurance premiums.
- Strong Mobile App: The Geico mobile app is highly rated for its user-friendliness, enabling Vermont customers to manage their policies, file claims, and access roadside assistance conveniently from anywhere. Read more through our Geico auto insurance review.
Cons
- Limited Local Agents: Geico’s focus on online and phone services means Vermonters may miss out on the personal touch and in-person support that local agents can provide.
- Customer Service Variability: While many Vermont customers may have positive experiences, there can be inconsistencies in customer service quality, with some experiencing long wait times or unresolved issues.
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#2 – AAA: Best for Roadside Assistance
Pros
- Excellent Roadside Assistance: AAA is renowned for its superior roadside assistance services, which include support for breakdowns, flat tires, and lockouts. Opting for cheap Vermont auto insurance with AAA means you still receive high-quality roadside support.
- Member Discounts: AA members enjoy exclusive discounts not only on insurance on other services. By choosing cheap Vermont auto insurance through AAA, you can maximize savings and benefit from a range of discounts that enhance the overall value of your membership.
- High Customer Satisfaction: AA consistently receives high ratings for customer satisfaction due to its reliable service and personalized support. Even when opting for cheap Vermont auto insurance, you can expect the same level of commitment and care Learn more through our AAA auto insurance review.
Cons
- Higher Premiums: The cost of insurance through AAA can be higher compared to some other providers, including those offering cheap Vermont auto insurance, which might be a consideration for budget-conscious drivers.
- Limited Availability: AAA insurance services are not available in all states, including potentially limited options compared to cheap Vermont auto insurance providers, which could restrict access for some prospective customers.
#3 – Travelers: Best for Bundling Policies
Pros
- Bundle Discounts: Travelers offers significant savings for customers who bundle their auto insurance with home, renters, or other types of insurance. This makes it an advantageous for those seeking cheap Vermont auto insurance.
- Variety of Coverage Options: The company provides a wide array of coverage options and endorsements, allowing customers to tailor their policies to their specific needs. This flexibility helps in looking for cheap Vermont auto insurance. Read more through our Travelers auto insurance review.
- Strong Financial Stability: Travelers has a solid reputation for financial stability, which ensures that it can reliably pay out claims and handle long-term commitments.
Cons
- Higher Rates for Some Drivers: Drivers with less-than-perfect records might face higher premiums, which could be a drawback for those seeking more affordable coverage.
- Limited Discounts: Travelers offers fewer discounts compared to some other providers, which might affect savings for certain customers.
#4 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible Program: Some providers offering cheap Vermont auto insurance have programs such as the Vanishing Deductible, which reduces your deductible amount for each year of safe driving. Explore more discount options in our Nationwide auto insurance review.
- Strong Reputation: Providers known for cheap Vermont auto insurance, including Nationwide, often have a strong reputation in the industry.
- Wide Range of Coverage: Even with cheap Vermont auto insurance, some providers offer a wide range of comprehensive coverage options and endorsements. This flexibility allows drivers to tailor their policies to meet specific needs, ensuring they are adequately covered in various situations.
Cons
- Average Customer Service: While generally reliable, customer service experiences can be mixed, with some customers reporting delays or issues in communication.
- Higher Premiums for Some Drivers: Rates can be higher for drivers with poor driving records or high-risk profiles, which might not be ideal for everyone.
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#5 – American Family: Best for Costco Members
Pros
- Great for Costco Members: American Family provides special discounts and benefits for Costco members, adding value for those who are part of the membership club.
- Flexible Policy Options: Offers a broad range of customizable coverage options, allowing customers to tailor their policies to their specific needs and preferences.
- High Customer Satisfaction: Known for high levels of customer satisfaction, American Family is praised for its service quality and responsiveness.
Cons
- Higher Average Premiums: Premiums with American Family can be higher compared to other providers, which might be a concern for those seeking budget-friendly options.
- Limited Availability: American Family’s insurance services are not available in all states, which may limit options for some potential customers. Check out our review of Farmers auto insurance review for more information.
#6 – State Farm: Best for Customer Service
Pros
- Excellent Customer Service: State Farm is known for its high-quality customer service, with agents offering personalized assistance and support.
- Wide Range of Discounts: Offers numerous discounts, including for safe driving, multi-car policies, and more, helping to reduce overall insurance costs.
- Strong Local Presence: With a large network of local agents, State Farm provides personalized, face-to-face service and support, which many customers appreciate.
Cons
- Higher Rates for Some Drivers: Drivers with less-than-perfect records may experience higher premiums, which could be a drawback for those with a history of accidents or violations.
- Policy Complexity: The range of policy options and coverage details can be complex, making it challenging for some customers to fully understand their policies. View our State Farm auto insurance review.
#7 – Liberty Mutual: Best for Unique Benefits
Pros
- Unique Benefits: Liberty Mutual offers unique features like accident forgiveness and better car replacement, which can provide added peace of mind and financial protection.
- Customizable Policies: Offers a wide range of customizable policy options, allowing you to tailor your coverage to fit your specific needs and preferences.
- Strong Financial Stability: Known for its solid financial standing, Liberty Mutual is a reliable choice for long-term insurance needs and claims payouts. For more information, please refer to our Liberty Mutual auto insurance review.
Cons
- Higher Premiums: Insurance premiums with Liberty Mutual can be higher compared to some other providers, which might not suit all budget constraints.
- Customer Service Issues: There are some reports of inconsistent customer service experiences, which may affect overall satisfaction.
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#8 – Farmers: Best for Group Discounts
Pros
- Group Discounts: Farmers offers various discounts for groups, associations, and affiliations, which can result in significant savings for eligible customers. Please check out our Farmers auto insurance review for more details.
- Customizable Coverage: Provides extensive options for customizing coverage, allowing policyholders to select the protection that best fits their needs.
- Strong Local Presence: With a large network of local agents, Farmers offers personalized service and support, which many customers find beneficial.
Cons
- Higher Rates: Premiums with Farmers can be higher compared to some competitors, which might be a concern for those looking for more budget-friendly options.
- Complex Policies: The variety of policy options can be complex and overwhelming, making it challenging for some customers to navigate and understand.
#9 – Allstate: Best for Infrequent Drivers
Pros
- Good for Infrequent Drivers: Allstate offers specialized coverage options for drivers who don’t use their vehicles frequently, which can be cost-effective for occasional drivers.
- Comprehensive Coverage Options: Provides a wide range of coverage options and add-ons, allowing for tailored policies that meet individual needs.
- Strong Financial Ratings: High ratings for financial stability and strength ensure that Allstate can reliably handle claims and provide long-term coverage. Check our Allstate auto insurance review.
Cons
- Higher Premiums: Allstate’s premiums can be higher than those of some other providers, which might not be ideal for customers seeking lower rates.
- Complex Policy Options: The range of coverage options can be complex and difficult to understand, potentially leading to confusion over policy details.
#10 – Progressive: Best for Qualifying Coverage
Pros
- Competitive Rates: Known for offering competitive pricing, Progressive provides affordable insurance options that are often among the best in the industry.
- Flexible Coverage Options: Offers a wide range of coverage options and endorsements, allowing customers to tailor their insurance to their specific needs. Our detailed review of Progressive auto insurance review covers this topic more thoroughly.
- Snapshot Program: The Snapshot program provides discounts based on your driving habits, rewarding safe driving with potential savings.
Cons
- Higher Premiums for Some Drivers: Rates can be higher for drivers with high-risk profiles or poor driving records, which might not be ideal for everyone.
- Customer Service Variability: Customer service experiences can vary, with some reports of issues with responsiveness and resolution of problems.
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Vermont Auto Insurance Requirements
Vermont drivers are paying approximately $12 a month less than the national average monthly premium for auto insurance. All drivers in the state of Vermont are required to have a valid auto insurance policy.
The minimum auto insurance requirements in the state of Vermont are 25/50/10.
Vermont Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $23 $70
Allstate $46 $142
American Family $27 $85
Farmers $33 $103
Geico $12 $38
Liberty Mutual $32 $100
Nationwide $25 $77
Progressive $58 $181
State Farm $28 $87
Travelers $24 $75
The $25,000 minimum liability coverage covers the death or injury of one person who is involved in an accident. This means that if a passenger dies due to an automobile accident, their family is eligible to receive up to $25,000 from the minimum coverage policy.
$50,000 is the minimum amount of coverage that the state of Vermont requires for liability coverage for an entire accident, covering all people injured.
$10,000 is the minimum amount of property damage liability coverage that is required. $10,000 in coverage can quickly be exceeded if a driver hits a building, destroys a light pole, or causes a large amount of property damage as a result of their accident.
Drivers are required to have valid proof of insurance in their vehicles at all times.
A driver who is unable to produce a valid insurance card following an accident or traffic stop may be fined $100 and have 2 points added to their driver’s license (learn how to get points removed from your license.
This cost can increase if a driver has a second violation in the future.
Vermont also has strict rules teenage drivers. Teen drivers have a blood alcohol limit of 0.02. Any driver who exceeds this amount when they are blood alcohol tested is subject to immediate license suspension.
This license allows a teenager to drive on their own with other restrictions such as the number of passengers and times during which a teen can drive. Drivers who successfully complete a period at level 2 will receive a full license.
Vermont does not require drivers to have underinsured/uninsured motorist coverage. However, because Vermont is a tort auto insurance state, drivers should strongly consider purchasing this coverage.
Vermont being a tort state means that one of the drivers in an accident must be found at fault. The driver who is at fault typically has their insurance company pay for any damages that are incurred.
These insurance policies may protect drivers from a number of different problems including potential legal situations.
Drivers in Vermont should strongly consider purchasing comprehensive as well as collision coverage. Collision will cover a vehicle if it collides with another vehicle or object. This occurs in the majority of accidents.
Comprehensive insurance protects a vehicle against theft, vandalism, and other common damage claims.
This means that a vehicle that is stolen will be paid for by an insurance company. Comprehensive and collision policies are often required by banks and financing companies.
Learn about the difference between comprehensive and collision coverage.
We can also take a closer look at the ZIP code within the state to see how rates changed based on different areas.
Vermont Auto Insurance Rates by Company
Although the state offers generally low auto insurance rates, the cost can vary among some of the largest companies. It’s important to Get affordable delivery driver auto insurance quotes to find the best deal
But which companies hold the most market share in the region? Comparing quotes from these major providers can help you secure the most competitive rates.
Vermont Auto Insurance Quotes
Drivers in Vermont should be aware of the state’s minimum auto insurance requirements: 25/50/10 liability insurance. It’s wise to purchase as much coverage as you can afford, as more coverage reduces the risk of legal issues.
Drivers should also be aware of the legal restrictions and costs that could be levied against them for violating state law.Ty Stewart Licensed Insurance Agent
To get quick and free Vermont auto insurance quotes, enter your ZIP code below for free rates from Vermont auto insurance companies.
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Frequently Asked Questions
What are the minimum auto insurance requirements in Vermont?
In Vermont, drivers are required to carry the 25/50/10 auto insurance coverage, which includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.
What is the average cost of auto insurance in Vermont?
The average cost of cheap Vermont auto insurance is approximately $12 per month. However, rates may vary depending on various factors such as the driver’s age, driving record, and the type of vehicle insured.
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Is uninsured/underinsured motorist coverage required in Vermont?
Uninsured/underinsured motorist coverage is not required by law in Vermont. However, it is strongly recommended as it provides additional protection in case of accidents involving drivers who do not have sufficient insurance coverage.
For in-depth information on uninsured/underinsured motorist coverage requirements in Vermont. Refer to our thorough report “How to File an Auto Insurance Claim” to get started.
Are there any optional coverages available in Vermont?
Yes, Vermont offers optional coverages that drivers can choose to add to their auto insurance policies. Some of these options include comprehensive coverage, collision coverage, medical payments coverage, and roadside assistance.
What are the penalties for driving without insurance in Vermont?
Drivers in Vermont who fail to provide valid proof of insurance may face a fine of $100 and have 2 points added to their driver’s license. Repeat violations can result in increased fines and penalties.
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Is Vermont a no-fault state?
No, Vermont is an at-fault state for auto insurance.
You can find auto insurance quotes online to help determine coverage options for states like Vermont. To answer your question, Vermont is not a no-fault state; it operates under a tort system, meaning the driver at fault for an accident is responsible for the damages.
Is car insurance cheaper in Vermont?
Yes, the average cost of Vermont auto insurance is less than the national average.
What are the most effective strategies for finding the cheapest auto insurance rates in Vermont?
Compare quotes from multiple insurers, utilize discounts, adjust coverage levels, maintain a clean driving record, and consider bundling policies.
Stop overpaying for auto insurance. Enter your ZIP code below to find out if you can get a better deal.
How do the coverage options and discounts offered by top providers like Geico, AAA, and Travelers compare for drivers seeking affordable auto insurance in Vermont?
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.