Car Insurance in Vermont
The numbers were refreshed on .
Costs for drivers in Vermont, the legal minimum and the cheapest insurers.
- $87.monthly average for full coverage.
- 25/50/10.limits for minimum liability coverage.
- 50th of 51.the most expensive state (1st = highest).
Cost of car insurance in Vermont
In Vermont, full coverage costs an average driver $1,040 each year, or about $87 monthly. With legal minimum coverage only, the yearly average is $405. This figure is 36% below the US yearly average of $1,613.
| Coverage in Vermont | Per year | Per month |
|---|---|---|
| Liability | $405 | $34 |
| Collision | $415 | $35 |
| Comprehensive | $220 | $18 |
| Full coverage (all three) | $1,040 | $87 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Coverage that Vermont requires by law
Vermont law sets the minimum at 25/50/10 liability: $25,000 per person hurt, $50,000 for all people hurt in one crash, plus $10,000 for damage to someone else's property.
A driver responsible for a crash in Vermont pays through their liability cover because the state follows an at-fault rule.
Both uninsured motorist cover and underinsured motorist cover are required.
Source: Vermont Statutes Title 23 Chapter 11 (VT Legislature).
How many drivers in Vermont have no insurance?
In 2023, about 12% of Vermont drivers had no car insurance. That was the 29th highest share among the 51. If an uninsured driver hits you, this cover pays your bills.
More car insurance information for Vermont
Written first on