Full Coverage Car Insurance in Vermont
Numbers refreshed
Liability, collision and comprehensive together, priced from the Vermont averages.
- Full coverage averages $87 a month.
- The minimum liability limits are 25/50/10.
- Cost rank 50th of 51, where 1st means highest.Most expensive state.
Vermont: what full coverage costs
Full coverage adds collision and comprehensive to liability. Those two parts cost $635 a year more in Vermont, on top of the $405 average for liability.
| 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).
When does full coverage stop paying off?
If you still owe money for the car, lenders and lease companies require full coverage.
Once you've paid off the car, compare its value with what the extra cover costs: $635 a year. If a single year of high premiums would pay for most of the car, you're usually better off with liability only.
Vermont full coverage by car
These estimates come from IIHS-HLDI loss results and assume an adult with a clean record. Of the 40 models we price, here are the cheapest and the dearest:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $672 | $56 |
| Honda Pilot | $681 | $57 |
| Subaru Outback | $721 | $60 |
| Toyota RAV4 | $771 | $64 |
| Mercedes-Benz C-Class | $1,461 | $122 |
| Chevrolet Camaro | $1,693 | $141 |
| Dodge Charger | $1,824 | $152 |
| Dodge Challenger | $1,956 | $163 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
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