Car Insurance in Vermont
Vermont drivers spend an average of $893 a year on auto insurance according to the NAIC — ▼ −30% versus the national average of $1,282, ranking 46th most expensive of 51. The state requires 25/50/10 liability coverage and follows an at-fault system.
Average car insurance cost in Vermont
The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $381 for liability, $385 for collision and $191 for comprehensive ($958 combined, versus $1,439 nationally). That average expenditure is 13% higher than the NAIC's previous data year ($793). Comprehensive coverage is cheaper than average here, a sign of lower weather and theft losses.
Minimum car insurance requirements in Vermont
Vermont's minimum is written as 25/50/10: $25,000 per person / $50,000 per accident in bodily injury liability and $10,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $460 a year here, $140 more than the minimum.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Vermont does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 50/100/10 Uninsured motorist coverage of at least $50,000 per person, $100,000 per accident and $10,000 property damage is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 50/100/10 Underinsured motorist coverage is required at the same minimums as uninsured motorist coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Compare with another state
Is Vermont a no-fault state?
No — Vermont is an at-fault (tort) state. Vermont is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.
Uninsured drivers in Vermont
The Insurance Research Council estimates 11.8% of Vermont drivers are uninsured — 29th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 8 on the road. Vermont requires uninsured motorist coverage, which pays your injury costs when the at-fault driver has no insurance.
SR-22 requirements in Vermont
Vermont uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. Drivers required to file financial responsibility insurance must keep an SR-22 on file with the DMV for at least three years.
By our model, a driver in their 30s with a DUI would pay about $615 a year for minimum coverage in Vermont, versus $320 with a clean record. What is SR-22 insurance?
Estimate your premium in Vermont
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Car insurance by city in Vermont
We cover 8 Vermont cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Montpelier ($1,090) and the highest in Winooski ($1,270).
- BurlingtonPop. 44,432 · Chittenden County$1,210+17% vs state
- South BurlingtonPop. 21,713 · Chittenden County$1,125+9% vs state
- RutlandPop. 15,565 · Rutland County$1,130+9% vs state
- Essex JunctionPop. 10,787 · Chittenden County$1,175+14% vs state
- WinooskiPop. 8,370 · Chittenden County$1,270+23% vs state
- BarrePop. 8,304 · Washington County$1,155+12% vs state
- MontpelierPop. 7,915 · Washington County$1,090+5% vs state
- St. AlbansPop. 7,031 · Franklin County$1,235+19% vs state
Estimated cost by driver profile in Vermont
Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Vermont.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $875 | $1,265 | $2,850 | $238 |
| Young adult (22) | $510 | $735 | $1,660 | $138 |
| Adult in their 30s | $320 | $460 | $1,035 | $86 |
| Adult in their 50s | $290 | $425 | $955 | $80 |
| Senior (72) | $355 | $515 | $1,160 | $97 |
| 30s, one at-fault accident | $460 | $670 | $1,505 | $125 |
| 30s, DUI on record | $590 | $850 | $1,920 | $160 |
By coverage level
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $320 | $26 | $260–$375 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $460 | $38 | $380–$545 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,035 | $86 | $850–$1,225 |
Cheapest and most expensive cars to insure in Vermont
Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $2,430 a year here.
| Model | Segment | Est. / year |
|---|---|---|
| Chevrolet Traverse | Midsize SUV | $675 |
| GMC Acadia | Midsize SUV | $700 |
| Subaru Forester | Small SUV | $755 |
| Subaru Crosstrek | Small SUV | $755 |
| Honda CR-V | Small SUV | $770 |
| Subaru Outback | Wagon | $770 |
| Honda Pilot | Midsize SUV | $770 |
| MINI Cooper | Subcompact car | $780 |
| Ford Bronco | Midsize SUV | $795 |
| Jeep Wrangler | Midsize SUV | $815 |
| Model | Segment | Est. / year |
|---|---|---|
| BMW M3 | Luxury car | $3,105 |
| BMW M4 | Luxury sports car | $3,100 |
| Lamborghini Urus | Luxury SUV | $3,055 |
| BMW 7 Series | Luxury car | $2,670 |
| Mercedes-Benz S-Class | Luxury car | $2,195 |
| Lucid Air | Luxury car | $2,030 |
| Mercedes-Benz G-Class | Luxury SUV | $1,850 |
| Audi RS 7 | Luxury car | $1,805 |
| Porsche Taycan | Luxury sports car | $1,700 |
| Mercedes-Benz SL-Class | Luxury sports car | $1,690 |
Cheap car insurance in Vermont: how to lower your rate
- Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $80 a year on a typical Vermont full-coverage policy.
- Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $780 to $460.
- Drive less, pay less. Low-mileage and usage-based programs can save around $70 a year if you drive under 7,500 miles.
- Protect your record. A single speeding ticket adds roughly $230 a year in our model; an at-fault accident adds much more.
- Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
- Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.
Complaints and help: Vermont Department of Financial Regulation
The Vermont Department of Financial Regulation licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.
- Website
- dfr.vermont.gov
- File a complaint
- Consumer complaint page
- Consumer helpline
- 1-800-964-1784
Vermont vs. neighboring states
| State | NAIC avg. | Minimums | System | Uninsured |
|---|---|---|---|---|
| Vermont | $893 | 25/50/10 | At-fault (tort) | 11.8% |
| Massachusetts | $1,326 | 25/50/30 | No-fault | 7.9% |
| New Hampshire | $987 | 25/50/25 | At-fault (tort) | 10.0% |
| New York | $1,753 | 25/50/10 | No-fault | 8.6% |
Frequently asked questions
How much is car insurance in Vermont?
NAIC data puts the average Vermont auto insurance expenditure at $893 a year, 30% less than the national average of $1,282 (rank 46 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,035 a year ($86 a month); state-minimum liability is about $320.
What is the minimum car insurance required in Vermont?
Vermont requires at least 25/50/10 liability coverage: $25,000 per person / $50,000 per accident for bodily injury and $10,000 for property damage, plus uninsured motorist coverage and underinsured motorist coverage.
Is Vermont a no-fault state?
No. Vermont is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage.
How many drivers in Vermont are uninsured?
The Insurance Research Council estimates that about 11.8% of Vermont drivers are uninsured, ranking 29th in the nation (national estimate: 15.4%).
Does Vermont require SR-22 insurance?
Yes, Vermont uses the SR-22 certificate for drivers who must prove financial responsibility, typically for about 3 years. Drivers required to file financial responsibility insurance must keep an SR-22 on file with the DMV for at least three years.
Which Vermont city has the cheapest car insurance?
Among the 8 cities we cover, Montpelier has the lowest full-coverage estimate at about $1,090 a year, while Winooski is the highest at about $1,270. Differences come from population density, commute length and local weather risk.
How much does car insurance cost for a teen driver in Vermont?
An 18-year-old on their own full-coverage policy would pay roughly $2,850 a year in Vermont by our estimate, or about $875 for minimum coverage. Joining a parent's policy usually costs less.
How do I file a complaint against a car insurance company in Vermont?
Contact the Vermont Department of Financial Regulation (consumer line 1-800-964-1784). It handles consumer complaints about claims, cancellations and rates at no cost.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Vermont DFR: Auto Insurance
- 23 V.S.A. 800 (maintenance of financial responsibility)
- 23 V.S.A. 941 (uninsured, underinsured or unknown motorist coverage)
- Vermont DMV: Insurance
- Vermont DMV: Why is a filing of Financial Responsibility Insurance required
- Vermont DFR: Insurance Complaints
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau: population estimates and American Community Survey
- FEMA National Risk Index