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Best & Cheapest Vermont Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4566 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16827 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2054 customer reviews
rated their claim's experience positively
4.04 ★★★★★
2225 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7128 customer reviews
rated their claim's experience positively
3.92 ★★★★★
744 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
161 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.15 ★★★★★
87 customer reviews
rated their claim's experience positively
2.20 ★★★★★
132 customer reviews
rated their claim's experience positively

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. 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 the best Vermont car insurance companies.

In the table 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.

On this page:

Who offers the cheapest teen car insurance rates in Vermont?

Concord Group is the cheapest car insurance option for both male and female teen drivers in Vermont on average. This is based on a comparison of four of the largest auto insurers in Vermont.

Company Female teen rates Male teen rates
Concord Group Insurance Companies $569 $635
Geico $730 $681
Progressive $2,303 $2,494
State Farm Insurance Company $1,086 $1,284

These rates are based on profiles for 18-year-old male and female drivers in Vermont. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Vermont will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Vermont?

When looking at average car insurance rates for a married couple in Vermont for four of the most popular auto insurers in the state, married couples find the cheapest car insurance rates with Geico on average.

Company Married couple rates
Concord Group Insurance Companies $1,067
Geico $1,029
Progressive $2,230
State Farm Insurance Company $1,764

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Vermont will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Vermont?

Concord Group provides the cheapest car insurance rates for male and female senior drivers in Vermont on average among four of the largest companies in the state.

Company Female senior rates Male senior rates
Concord Group Insurance Companies $493 $608
Geico $752 $749
Progressive $1,258 $1,274
State Farm Insurance Company $823 $823

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Vermont will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Vermont for car insurance

The cheapest area in Vermont for car insurance is the area of Winooski. Car insurance rates in Vermont vary based on location. The table below displays the top 10 most expensive areas in Vermont for car insurance based on average rates for a single adult.

Area Car insurance rates
Winooski $936
South Burlington $940
New Haven $943
Jonesville $944
Essex Junction $945
Orwell $946
Bridport $946
Middlebury $946
North Ferrisburgh $948
Salisbury $948

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Vermont will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas 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 areas in Vermont for car insurance based on average rates for a single adult.

Area Car insurance rates
Passumpsic $1,004
Lower Waterford $1,002
Lyndon Center $1,002
North Troy $1,001
Greensboro Bend $1,001
West Glover $1,000
West Danville $999
Orleans $999
Barnet $999
Sutton $997

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Vermont will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Vermont

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.

Vermont drivers also can add optional coverages to their insurance policy. Medical payments coverage, which would cover you for injuries you or your passengers sustain in an accident, regardless of fault, is one option. You also can select optional coverages that protect your vehicle in at-fault accident (collision coverage) and from non-accident related damages (comprehensive coverage).

Vermont state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $10,000 per accident

Uninsured/underinsured motorist:

  • Bodily injury — $50,000 per person
  • Bodily injury — $100,000 per accident
  • Property damage — $10,000 per accident (this is also the maximum, and has a deductible of $150)

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 car insurance rates are calculated in Vermont

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:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

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?

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 money on your car insurance in Vermont

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. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six 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
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Vermont

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.

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

Car insurance guide

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 car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.