Average Car Insurance Cost in Vermont (2025)
Drivers in Vermont pay an average of $110 per month for car insurance.
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The average cost of car insurance in Vermont is $154 per month for full coverage and $65 for state-minimum coverage.
Drivers in Vermont pay significantly less than the U.S. national average, which is $184 for full coverage and $104 for minimum coverage. Vermont has cheap average car insurance premiums because of the state’s small population and rural areas. With fewer drivers on the road, drivers have a lower risk of car accidents.
Here’s what you should know about finding car insurance in Vermont.
How much is car insurance in Vermont?
The average Vermont driver pays $154 per month, or $1,852 per year, for full-coverage car insurance. For state-minimum coverage, the average rate is $65 per month, or $785 per year.
Ultimately, car insurance rates depend on various factors, including your age, credit-based insurance score, driving record, and vehicle type.
Average Vermont car insurance rates by city
Car insurance premiums differ from city to city, even within the same state. Factors like the number of uninsured drivers and the likelihood of car theft can affect rates within a specific ZIP code. Rates tend to be higher in Vermont’s larger cities, like Burlington, whereas rates in rural areas are often lower.
Average Vermont car insurance rates by age and gender
Your age is one of the biggest factors that can affect car insurance premiums in Vermont.
In general, young drivers and teens pay the highest rates because they’re more likely to get into accidents than more experienced drivers. Rates typically decrease for drivers as they age. But senior drivers older than 70 may pay slightly higher average rates due to aging-related risk factors.
Your insurance company can also consider gender as a car insurance rating factor. Male drivers often pay slightly higher rates because they’re more likely to get into serious accidents and drive under the influence than female drivers.1
In the following table, you can see the average cost of car insurance in Vermont for women and men by age.
Average cost to insure popular vehicles in Vermont
The make and model of your vehicle can affect your car insurance rate in Vermont. Insurance companies consider factors like the vehicle’s reliability, safety features, and value when calculating premiums.
Vermont’s most popular vehicles include the Ford F-Series, Toyota RAV4, Subaru Crosstrek, Chevrolet Silverado, and Subaru Forester, according to Edmunds.2 These vehicles are some of the bestselling models in the Green Mountain State because of their capability in winter driving conditions and on dirt roads.
Below, you can see average full-coverage insurance rates for Vermont’s most popular vehicles.
How your driving record affects car insurance rates in Vermont
One of the most significant rating factors for auto insurance is your driving record. Vermonters with a clean record free of accidents and traffic violations typically pay the lowest premiums. On the other hand, people with a history of car accidents, speeding tickets, and DUI convictions usually pay higher premiums because they’re riskier to insure.
For example, the average full-coverage car insurance premium for a driver with a clean record is $154 per month, while drivers with a past incident pay $193 for the same coverage.
The table below shows the average cost of full-coverage insurance for a sample driver profile with an incident on their record in Vermont.
In Vermont, car insurance companies can consider credit-based insurance scores when calculating premiums. Drivers with excellent credit usually pay the lowest rates, and drivers with poor credit pay higher rates. Because drivers with poor credit scores are more likely to file claims, they pose more risk to the insurance company.
Below, you can see the average car insurance premium in Vermont by credit tier.
How to lower your insurance costs in Vermont
Car insurance premiums in Vermont are lower than in many other U.S. states, but rates will vary based on personal factors. Here are some strategies to help you find cheaper car insurance: