Best and Cheapest Car Insurance in Vermont (Top 10 Companies for Savings in 2024)

Geico, USAA, and Travelers have the best and cheapest car insurance in Vermont.

In addition to the top three best and cheapest car insurance companies in Vermont, there are plenty of other affordable Vermont companies to choose from, such as Nationwide or State Farm.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$12	A++	Cheap Rates	Geico
	#2	$14	A++	Military Drivers	USAA
	#3	$24	A++	Unique Coverage	Travelers
	#4	$25	A+	Usage-Based Coverage	Nationwide
	#5	$27	A	Discount Availability	American Family
	#6	$28	B	Policy Options	State Farm
	#7	$32	A	24/7 Support	Liberty Mutual
	#8	$33	A	Safe Drivers	Farmers
	#9	$46	A+	UBI Savings	Allstate
	#10	$58	A+	Budgeting Tools	Progressive

Our guide goes over everything you need to know about finding cheap Vermont car insurance. Compare rates now with our free tool to get affordable quotes for Vermont coverage.

What You Should Know

• Geico has the cheapest Vermont car insurance for the majority of Vermont drivers
• USAA is an affordable provider for military and veteran drivers in Vermont
• Vermont requires drivers to carry liability and uninsured/underinsured motorist insurance

On this page:

• Top Vermont Car Insurance Companies Rates and Discounts
• Cheapest Teen Car Insurance Rates in Vermont
• Cheapest Married Couple Car Insurance Rates in Vermont
• Cheapest Senior Car Insurance Rates in Vermont
• Cheapest Cities in Vermont for Car Insurance
• Most Expensive Cities in Vermont for Car Insurance
• Vermont Minimum Car Insurance Coverage and Limits
• How Vermont Insurance Companies Calculate Rates
• How to Save on Vermont Car Insurance
• How Clearsurance Ranks Vermont Car Insurance Companies
• Finding the Best and Cheapest Vermont Car Insurance for You

#1 – Geico: Top Pick Overall

Pros

• Cheap Rates: Geico has the most affordable Vermont car insurance rates for drivers.
• Bundling Discount: Vermont Geico renters insurance or home insurance can be bought with Vermont auto insurance.
• User-Friendly: Vermont customers should be happy with Geico’s highly rated app.

Cons

• Limited Local Agents: The reliance on online management means Geico doesn’t provide local agents.
• Gap Coverage Not Sold: Geico has many coverage options, but it is missing gap, which is a popular coverage option for brand-new vehicles.

#2 – USAA: Best for Military Drivers

Pros

• Military Drivers: Military and veteran drivers will get some of the best Vermont insurance deals at USAA.
• Customer Service: Check out the company’s high rankings in our USAA review.
• Policy Options: USAA sells more than just Vermont auto insurance. It also has home insurance, business insurance, and more.

Cons

• Vermont Eligibility Restrictions: USAA restricts customer eligibility to military members, service veterans, and their families.
• Limited Local Agents: USAA relies on virtual assistance rather than local, in-person Vermont agents.

#3 – Travelers: Best for Unique Coverage

Pros

• Unique Coverage: Travelers has unique coverages, such as new car replacement or named non-owner coverage.
• Discount Options: Vermont customers will have saving opportunities in abundance.
• IntelliDrive Program: A free UBI program intended to reward good Vermont drivers.

Cons

• IntelliDrive Price Changes: Vermont rates can increase for bad driving.
• Customer Reviews: Check out our Travelers review to see how customers think Travelers could improve.

#4 – Nationwide: Best for Usage-Based Coverage

Pros

• Usage-Based Coverage: SmartMiles allows low mileage customers in Vermont to pay by the mile.
• Bundling Discount: Vermont auto insurance rates are cheaper when insurance policies are purchased together. Read our Nationwide insurance review to learn more.
• Vanishing Deductibles: Another saving opportunity for Vermont customers with clean driving records.

Cons

• Limited Local Agents: Nationwide has fewer stationed agents than some of its Vermont competitors.
• High-Risk Rates: Poor driving records will raise Vermont insurance rates.

#5 – American Family: Best for Discount Availability

Pros

• Discount Availability: American Family has student discounts, bundling discounts, good driver discounts, and more.
• Accident Forgiveness: Another saving opportunity for safe Vermont drivers.
• Add-On Coverages: See what extras American Family sells in our American Family review.

Cons

• Limitations for Online Management: Vermont customer may need to reach an agent for assistance on some changes.
• High-Risk Rates: Poor driving records can lead to high Vermont insurance quotes.

#6 – State Farm: Best for Policy Options

Pros

• Policy Options: State Farm also sells home, renters, business, boat insurance, and more.
• Local In-Person Support: Vermont customers can visit a local agent, which you can read more about in our review of State Farm.
• Discount Opportunities: The company has a large list of discounts compared to its Vermont competitors.

Cons

• Limitations in Online Management: Because of the availability of local agents, State Farm limits what changes customers can make online.
• A.M. Best Rating: Finances could be better at State Farm.

#7 – Liberty Mutual: Best for 24/7 Support

Pros

• 24/7 Support: Vermont customers will have access to a 24/7 assistance line.
• Add-On Availability: There are multiple add-ons available to purchase.
• Discount Options: Liberty Mutual customers can apply for good driver discounts, paperless discounts, and much more.

Cons

• Customer Reviews: Customers have some issues with service. Check out the ratings in our Liberty Mutual review.
• High-Risk Driver Rates: Vermont insurance quotes are higher for bad drivers.

#8 – Farmers: Best for Safe Drivers

Pros

• Safe Drivers: Farmers rates are most economical for safe Vermont drivers, as the company offers a safe driving discount, accident forgiveness, and more. .
• Flexible Payment Options: Choose a payment method that works best for you, such as paying in full or monthly.
• Coverage Options: Read our Farmers review to see what’s offered, from Vermont roadside assistance to rental coverage.

Cons

• Customer Service Ratings: Bad ratings mention slow claims processing and more.
• Hard to Get Accident Forgiveness: The majority of customers in Vermont won’t be forgiven their first accident.

#9 – Allstate: Best for UBI Savings

Pros

• UBI Savings: Join Drivewise for UBI discounts on Vermont auto insurance.
• Mileage Insurance: Allstate’s Milewise policies are ideal for Vermont customers with low annual mileages.
• Add-On Coverages: Read our Allstate review to see the many coverages offered, such as roadside assistance.

Cons

• Claim Reviews: Vermont customers have some issues with claims handling.
• Teen Driver Rates: Allstate is expensive for Vermont teenage drivers.

#10 – Progressive: Best for Budgeting Tools

Pros

• Budgeting Tools: Use the company’s free budgeting tool to see how much Vermont coverage you can buy before committing to Progressive.
• Snapshot Savings: Vermont drivers can sign up to participate in Snapshot’s safe driving tracking program for a discount.
• Coverage Options: Vermont coverages range from gap coverage to rental coverage. See what’s available in our Progressive review.

Cons

• Snapshot Price Changes: The cost of a Vermont policy may go up for bad drivers.
• Customer Ratings: Progressive’s multiple customer ratings resulted in an average score for customer service.

Top Vermont Car Insurance Companies Rates and Discounts

When purchasing your car insurance in Vermont, you want to be sure you’re getting the coverage you need from a company with great customer service. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Vermont. To start, the table below shows what you'll pay monthly on average at the cheapest Vermont companies for a full or minimum coverage policy.

Insurance Company	Minimum Coverage	Full Coverage
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
USAA	$14	$42

The cheapest companies also have great auto insurance discounts, such as bundling discounts or good student discounts. Some of the biggest saving discounts at the cheapest Vermont companies are listed below.

With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare Vermont car insurance quotes.

Learn More: What to Consider When Getting Car Insurance Quotes Online

In the tables above, you can sort through all the Vermont car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Vermont car insurance rankings.

Interested in learning more about one of these Vermont car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

Cheapest Teen Car Insurance Rates in Vermont

Teen drivers often have the most expensive rates, as they are high-risk drivers due to driving inexperience (Read More: Top 10 Car Insurance Companies for High-Risk Drivers). The table below displays average minimum rates for teen drivers by gender from the cheapest Vermont companies

Insurance Company	Female	Male
Allstate	$139	$147
American Family	$81	$110
Farmers	$161	$169
Geico	$39	$52
Liberty Mutual	$123	$136
Nationwide	$71	$93
Progressive	$267	$293
State Farm	$87	$111
Travelers	$147	$205
USAA	$53	$56

Geico is the cheapest car insurance option for both male and female teen drivers in Vermont on average. This is based on a comparison of the cheapest companies auto insurers in Vermont. Geico connects with Vermont-based drivers in all zip codes. They offer a personalized touch along with reasonable teen rates for families looking for affordability and financial strength in one.

Cheapest Married Couple Car Insurance Rates in Vermont

When looking at average car insurance rates for a married couple in Vermont at most popular auto insurers in the state, married couples find the cheapest car insurance rates with Geico on average. Take a look at the table below to see how minimum rates compare at the cheapest companies in Vermont.

Insurance Company	Monthly Rates
Allstate	$58
American Family	$34
Farmers	$43
Geico	$18
Liberty Mutual	$38
Nationwide	$32
Progressive	$66
State Farm	$36
Travelers	$28
USAA	$20

A married couple often has many factors going for them. Insurance risk sees a married person as less risky. Dual income also affords many people options like homeownership. All these things can lower your rates at the best car insurance companies for married couples.

Cheapest Senior Car Insurance Rates in Vermont

Seniors enjoy senior discounts across markets along with Medicare options and other affordable insurance options (Read More: Ways to Save on Senior Driver Car Insurance). The average cost of auto insurance also drops dramatically due to less driving, less risky behavior, and other factors that lead to less motorist bodily injury and property damage.

A senior with a clean record could get rock bottom auto rates, especially if they get quotes from the cheapest companies for seniors in Vermont. The table below displays average minimum car insurance rates for seniors based on gender.

Insurance Company	Female	Male
Allstate	$45	$45
American Family	$25	$25
Farmers	$29	$31
Geico	$11	$11
Liberty Mutual	$27	$30
Nationwide	$22	$23
Progressive	$52	$53
State Farm	$25	$25
Travelers	$22	$23
USAA	$12	$12

Geico provides the cheapest car insurance rates for male and female senior drivers in Vermont on average among the cheapest car insurance companies in the state.

Cheapest Cities in Vermont for Car Insurance

Car insurance rates in Vermont vary based on location or even zip code in larger cities. Things like crime rates, auto claim rates, and the rate of uninsured vs those with minimum car insurance requirements all set average rates. The table below displays the top 10 most expensive cities in Vermont for car insurance based on average minimum rates for a single adult.

City	Monthly Rates
Winooski	$78
South Burlington	$78
New Haven	$79
Jonesville	$79
Essex Junction	$79
Orwell	$79
Bridport	$79
Middlebury	$79
North Ferrisburgh	$79
Salisbury	$79

The cheapest area in Vermont for car insurance is the city of Winooski. However, location is just one factor that influences your rates. If you have a driving record with multiple infractions, you will still find it harder to get cheap car insurance in Vermont.

Most Expensive Cities in Vermont for Car Insurance

Some areas in Vermont may have a higher risk of drivers filing a car insurance claim, making car insurance more expensive in some areas. The table below displays the top 10 most expensive cities in Vermont for car insurance based on average minimum rates for a single adult.

City	Monthly Rates
Passumpsic	$84
Lower Waterford	$84
Lyndon Center	$84
North Troy	$83
Greensboro Bend	$83
West Glover	$83
West Danville	$83
Orleans	$83
Barnet	$83
Sutton	$83

Passumpsic, Vermont is one of the more expensive cities in Vermont for car insurance policies. However, residents of Passumpsic and other expensive cities can save by shopping for auto insurance quotes and keeping a clean driving record (Read More: What is considered a clean driving record?).

Vermont Minimum Car Insurance Coverage and Limits

Vermont requires drivers to purchase two types of car insurance coverage: liability and uninsured/underinsured motorist coverage. The minimum limits for these coverages are detailed below, but it’s important to consider purchasing higher limits. It’s likely that these amounts would not be enough to cover you in a costly accident.

Below is a list of Vermont's minimum coverage requirements for drivers:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident
• Property Damage Liability: $10,000 per accident
• Uninsured/Underinsured Motorist Coverage: $50,000 per person and $100,000 per accident for bodily injury, and $10,000 per accident for property damage

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Uninsured motorist coverage offers protection if you are injured or your vehicle sustains damage resulting from an accident caused by a driver without insurance or a hit-and-run driver. According to 2015 data from the Insurance Information Institute, 6.8 percent of drivers are without insurance — the 4th fewest of any state.

Underinsured motorist coverage is similar to uninsured motorist coverage, only it offers protection from drivers who don’t have enough insurance. For example, if a driver causes $75,000 of injury damage to you and your passengers, but the driver has a $50,000 liability limit, your underinsured coverage would help you collect the full amount you’re owed.

How Vermont Insurance Companies Calculate Rates

When searching and comparing quotes from the best auto insurance companies in Vermont, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Age, Gender, & Marital Status
• Driving Record & Annual Mileage
• Your Car’s Make, Model, and Year
• Location & Credit Score
• Amount of Car Insurance Coverage

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Read More: Why did my car and homeowners insurance rates increase?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident.

So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to Save on Vermont Car Insurance

While you never want to sacrifice quality to save a couple of dollars, there are some different hacks to save money on your car insurance rates..

Here are five ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Shop for better insurance rates

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Vermont car insurance companies.

How Clearsurance Ranks Vermont Car Insurance Companies

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

Learn More: Insurance Claims Rating for Top 10 Largest Car Insurance Companies

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Finding the Best and Cheapest Vermont Car Insurance for You

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Want to get started on finding cheap Vermont auto insurance? Enter your ZIP into our free quote comparison tool.