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Vermont Cheapest Auto Insurance by Carrier & Minimum Requirements with Strategies to Help You Save on Your Premium

If you car looking for Vermont car insurance rates you have come to the right place to find the lowest quotes possible.

It is simple, just enter you five digit zip code at the top of the page and you will be provided quotes for the area you reside.

If you want to know the state minimum, average cover per driver, or the fine and penalties of driving without insurance in Vermont, then read on.

Otherwise you can use the table of contents and skip to the cheapest auto insurance providers in the state and by city.

Vermont Minimum Car Insurance Requirements

CoverageVermont Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$10,000$20,000
Medical Payments CoverageOptional$5,000
Uninsured Motorist Bodily Injury Coverage$50,000 / $100,000$50,000 / $100,000
Uninsured Motorist Property Damage Coverage$10,000 with a $150 deductible (In some cases the deductible does not apply)$20,000
Comprehensive CoverageOptional$100 deductible
Collision CoverageOptional$500 deductible

Autoinsuresavings, has covered all the details for you in one spot rather than searching all over the internet to find out about your vehicular needs in VT.

If you are on your way to getting quotes you can review the state minimum requirements for Vermont.

Comparing rates for 25 year old driver in Vermont

Bodily Injury Liability

Bodily injury liability covers hospital costs for the driver and passengers of the other automobile if the insured party is accountable for the accident.

Under the minimum coverage, the insurance corporation will pay up to $25,000 for a single person and up to $50,000 for all passengers hurt in the accident.

Cheapest premium by price for 45 y/o driver.

Property Damage Liability

Covers for physical damages to the other driver’s automobile as well as public property like guard rails, places or business, or traffic signs.

It include personal property like someone’s home, garage door, or mailbox. Under the minimum coverage, the insurance corporation will pay up to $10,000 for damages sustained.

Least expensive quotes for 55 year old driver in Vermont

In insurance lingo you may see the numbers like this 25/50/10 which represents thousands for each as explained above.

Sometimes you may see the numbers like this: 25,000/50,000/10,000 which is the same.

Uninsured Motorist Protection

The state of Vermont also requires drivers to carrying uninsured motorist protection or (UM) on the policy in the amount of $50,000 for one passenger and up to $100,000 for more than one passenger in a vehicle during an accident with an uninsured driver.

Uninsured motorist property damage liability is required on the policy with the minimum amount of $10,000.

Cheapest Auto Insurance Companies in Vermont

Out of the 10+ insurers in the list below the least expensive overall are Co-op, GEICO, and Concord.

Most of the time when I queried for quotes for the state of Vermont and various cities all three carriers are approximately 16% to 19% lower than the median rate.

This applied for drivers from 25 to 55 years of age. When I queried for quotes this was for a male driver with no traffic violations and good credit.

The next three cheapest are Progressive, Unitrin, and Grange. Depending on the city or zip code you reside in any of the three carriers recently mentioned may be cheaper than the “top 3” least expensive.

As you will see in the detailed comparison of major cities below.

At the end of the day your best bet is to compare quotes and the list is only a guide or a starting point to find additional savings.

Vermont CompanyAverage Annual Rate 25 Y/O Driver30 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
Co-op Insurance$1,199$987$789$709$601
GEICO$1,234$1,021$804$713$611
Concord$1,256$1,055$810$756$614
Progressive$1,267$1,084$815$776$619
Unitrin$1,367$1,100$845$779$645
National Grange Mutual$1,389$1,116$880$779$678
Allstate$1,411$1,132$911$809$654
State Farm$1,524$1,267$918$834$652
Travelers$1,590$1,280$987$856$689
21st Century$1,622$1,314$1,055$903$698
Farmers$1,623$1,342$1,096$965$709
Union Mutual$1,654$1,370$1,133$1,008$756
MetLife $1,765$1,429$1,249$1,007$798

Best Insurance Companies by Consumer Rating, Rate Change, & Number of Complaints

Below are 11 top carriers in the state of Vermont with the amount of written premiums, rate change over a 12 to 18 month period, complaints, and consumer rating.

I have included the amount of written premiums since the number of complaints is too.

This is important since the amount of complaints is relative (normally) to the amount of written premiums. For example, if you a company has millions of premiums the likelihood of more complaints is higher.

There is nothing out of the ordinary which should deter your from buying a policy from any of the carriers below.

The rate change ranges from 2% to 3.9% depending on the carrier and is not out of the ordinary either.

Typically, the top companies raise their rates a little less than than smaller local companies.

The consumer ratings average are from JD Power & Associates, AM Best, and other reputable online rating companies.

What I did it take an average among all of them. Typically the larger companies have a higher rating and smaller ones are slightly lower.

Nothing in the details should prevent you from buying a policy from any of the listed insurers.

Vermont CompanyWritten PremiumsRate Change < 18 Months# of ComplaintsRating out of 5
GEICO$21,343,000+2.8%94.7
Concord General Mutual $7,435,465+3.6%64.2
Progressive$23,456,476+2.7%144.7
Essentia$3,442,563+3.9%14.1
Liberty Mutual$14,574,492+2.7%114.7
Nationwide $8,548,227+2.9%84.5
National Grange Mutual$9,327,433+3.3%64.2
State Farm$20,378,030+3.0%194.7
Hartford$11,328,478 +3.2%94.5
Vermont Mutual$7,432,376+3.9%24.0
Allstate$18,233,873+3.1%134.3

Common auto insurance policy for the state of Vermont

  • Bodily Injury Liability – $100,000 / $300,000

  • Property Damage Liability – $50,000

  • Uninsured Motorist Protection – $100,000 / $300,000

  • Uninsured Motorist Property Damage – $10,000

  • Comprehensive Coverage – $100 deductible

  • Collision Coverage – $500 deductible

  • Medical Payments Coverage – $5,000

The state of VT is one the states in the nation with the lowest amount of drivers operating a motor vehicle without insurance.

However, they have increased the penalties for driving without insurance as of 2011 although there are states with uninsured motorists which are five times higher.

Vermont’s Penalties – Driving without Insurance

  • First offense – $250 fine

  • Second offense – $500 fine

  • Required to file an SR-22 with the Department of Motor Vehicles (DMV)

  • When convicted your license and registration are reinstated after you show proof of financial responsibility with an SR-22

Average Premium Cost by City

In the table below is a list of 22 less populated cities and the average premium price for a 30 year old driver.

Included is the percentage difference from the state average. Most of the time when I queried for quotes they were less than the state average price for a premium in Vermont.

If you have a quotes which are higher than those below you may have a mark on your traffic record, a low credit score, or possibly a lapse in your premium.

There are a number of other factors which raise your premium above the average price.

If your are a young driver, less than 25 years old age, your prices are going to much higher than those listed below.

The quotes are for a 30 year old male driver with not traffic violations and good credit.

If you would like a detail comparison for the most populated cities in Vermont please read further below.

CityAverage RatePercentage Change vs State AverageCityAverage RatePercentage Change vs State Average
Arlington$1,093-5%Dover$1,042-5%
Barnette$1,043-5%Enosburg$1,039-5%
Barton$1,022-7%Hardwick$1,087-4%
Bethel$936-7%Hydeville$1,112-4%
Bondville$965-7%Jericho$1,114-4%
Bradford$996-7%Lyndon$1,011-5%
Brandon$1,076-5%Morristown$1,025-5%
Castleton$1,011-5%Newport$1,076-4%
Chelsea$1,043-5%Peacham$1,097-4%
Cornwall$1,099-4%Swanton$1,002-5%
Dorset$1,113-4%Westminster$1,028-5%

Burlington

Cheapest premiums by price in Burlington, Vermont

Burlington drivers average insurance rate is $1,100. Our top three picks are GEICO, Progressive, and Co-op Insurance. If you pick any of the top four in our list you see savings of 10 percent. Apply discounts and the average could be 15 percent or more.

Burlington Company30 Y/O 45 Y/O
GEICO$865$611
Progressive$877$622
Co-op
$909$679
Concord$1,005$709
Unitrin$1,008$754
National Grange Mutual$1,113$813

One of the coolest places is Burlington’s historic downtown or boat tours of Lake Champlain. The lake is one of the first naval battles of the Revolutionary War. With the Burlington Bike Path and separate hiking trails which many outdoor enthusiasts love.

Essex Junction

Cheapest policy choices by price in Essex Junction

Essex Junction grew up as a mill town along falls created by the construction of a dam on Winooski River. The history of the village was influenced by IBM which arrived in 1958. Now it is Global Foundries. As of the latest census there are a little under 10,000 residents.

Essex Company30 Y/O 45 Y/O
Co-op$812$598
GEICO$843$622
Progressive$899$643
Concord$912$680
Unitrin$915$708
National Grange Mutual$954$725

If you are in need of auto insurance in Essex Junction then our top pick is Co-op Insurance. GEICO and Progressive are second and third.

Concord and Unitrin are certainly worth getting quotes from to see if there is possibility to get lower rates.

Rutland

Least expensive policy options for drivers in Rutland.

Rutland is situated in the Green Mountains with beautiful scenery for outdoor enthusiasts and visitors alike. The town is on the outskirts surrounding the city of Rutland.

Unknown to most, the Rutland area became one the largest producers of marble.

Rutland Company30 Y/O 45 Y/O
Co-op$756$547
GEICO$766$560
Progressive$809$580
Concord$843$613
Unitrin$845$620
National Grange Mutual$848$640

Our lowest insurance rate for Rutland was Co-op followed by Progressive and GEICO.

The average insurance rate for the area is $1,080.

If you get quotes from any of our top five picks you should be able to save over 10% pretty easy.

Bennington

Affordable premiums by quote in Bennington.

Many visitors to the area are drawn by its rich history. The city is known for the Battle of Bennington which has monument to commemorate the Revolutionary War battle. Over 700 British were taken captive after the end of the battle.

Bennington Company30 Y/O 45 Y/O
Co-op Insurance$721$510
GEICO$726$525
Progressive$745$540
Concord$765$569
Unitrin$802$600
National Grange Mutual$807$607

Your two best options for insurance in Bennington are GEICO and Co-op Insurance.

The average rate for the city is $1,000 for a 30 year old driver and $850 for a 45 year old driver.

If you get quote from the top three then savings of 10% would happen.

Battleboro

Least expensive premiums by quote in Battleboro.

Brattleboro is in southeastern Vermont on the Connecticut River and along the border with New Hampshire.  As of the 2010 census there are over 12,000 residents.

Home to the Alpine Ski Jumping’s renowned Fred Harris Memorial Tournament and Women’s Film Festival.

Battleboro Company30 Y/O 45 Y/O
GEICO$755$526
Co-op$767$540
Progressive$787$550
Concord$806$602
Unitrin$833$622
National Grange Mutual$856$648

In our study for Battleboro we found the lowest insurance rates for a 30, 45, and 55 year old driver were from GEICO.

Runner up’s are Progressive and Co-op. Since the average rate is $1,103 you could get savings of 15 to 20% by switching.

Montpelier

Montpelier inexpensive premiums by price for 30 to 45 y/o drivers.

Montpelier Company30 Y/O 45 Y/O
Concord$875$612
Progressive$904$640
Co-op$915$680
Unitrin$965$723
GEICO$980$743
National Grange Mutual$1,043$803

Stowe

Stowe Company30 Y/O 45 Y/O
Concord$880$623
Co-op$924$656
Progressive$965$687
Unitrin$1,043$728
GEICO$1,067$758
National Grange Mutual$1,080$812

Middlebury

Middlebury least expensive premiums by quote for all drivers.

Middlebury Company30 Y/O 45 Y/O
Unitrin$890$687
Concord$936$700
Co-op$968$712
Progressive$1,055$725
GEICO$1,089$780
National Grange Mutual$1,132$832

Barre

Barre, VT low-cost premium price by insurer for drivers.

Barre Company30 Y/O 45 Y/O
Concord$900$698
Unitrin$923$732
Co-op$956$765
Progressive$1,031$832
GEICO$1,065$850
National Grange Mutual$1,154$866

Saint Albans

Saint Albans affordable premium by carriers fro 30 to 45 y/o drivers.

Saint Albans Company30 Y/O 45 Y/O
Co-op$880$698
Concord$911$708
Unitrin$945$754
Progressive$987$779
GEICO$1,032$832
National Grange Mutual$1,127$858

Essex

Essex lowest premium prices for all drivers.

Essex Company30 Y/O 45 Y/O
Co-op$896$697
Concord$932$758
Unitrin$967$779
Progressive$1,087$832
MetLife$1,128$854
National Grange Mutual$1,165$903

Insurance Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
89 Main St, Montpelier, VT 05602
(802) 828-3301
380 Ballard Rd, Milton, VT 05468
(802) 524-6033
4 Market St, South Burlington, VT 05403
(802) 828-2085
WebsiteWebsiteWebsite
Final Thoughts

At Autoinsuresavings you can compare cheap car insurance quotes by using the advance comparison tool at the top of the page.

You want to be sure to compare your quotes to be sure you are getting the lowest rates without losing any coverage or simply use an online directory to find a local agent.

Since companies have different ways to determine your rate it is good to compare.

You will always received quotes from top providers such as Geico, Progressive, E-surance, and Allstate. 

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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