Best Car Insurance In Vermont

Key Points:

• Our research shows the best car insurance in Vermont is available from Geico, Concord Group, USAA, State Farm, and Vermont Mutual.
• State Farm offers affordable rates for students and parents with teen drivers.
• Vermont Mutual and Concord Group offer quality insurance policies and customer service with a local edge.

Looking to purchase an auto insurance policy in Vermont? We’ve researched and ranked the best auto insurance companies in the United States, many of which are also our top choices for Vermont car insurance. Read our review to learn the five best car insurance providers in the state as well as Vermont’s minimum coverage requirements and driving conditions.

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What Is the Best Car Insurance Company In Vermont?

By looking at the affordability, customer satisfaction scores, coverage options, and industry reputations of both national and regional providers, we’ve determined the best choices for car insurance in Vermont. Geico tops our list as the best provider for most drivers. However, Concord Group, USAA, State Farm, and Vermont Mutual also offer great policies.

Vermont Car Insurance Company Comparison

In the chart below, we offer a direct comparison of our top car insurance choices for Vermont drivers:

*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Vermont.

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5 Best Car Insurance Companies in Vermont

We cover our top picks for Vermont car insurance below, explaining why each company earned a spot on our list and the pros and cons of working with each provider.

#1 Geico: Best for Basic Coverage

Full Coverage Auto Insurance Cost: $953 per year, $79 per month
Minimum Liability Auto Insurance Cost: $452 per year, $38 per month
Vermont Customer Service Rating: 836/1,000 points
Claims Satisfaction Rating: 871/1,000 points

Geico is an excellent car insurance provider for Vermont drivers thanks to its strong industry reputation and positive customer service ratings. Based on our research, Geico also offers some of the cheapest rates in Vermont, especially for drivers with a clean driving history. Additionally, the insurer is accommodating to drivers with poor credit scores.

Learn more about the insurer in our full Geico review.

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#2 Concord Group Insurance: Best Local Service

Full Coverage Auto Insurance Cost: N/A*
Minimum Liability Auto Insurance Cost: N/A*
Vermont Customer Service Rating: N/A*
Claims Satisfaction Rating: N/A*

Concord Group Insurance holds an accredited A+ rating from the BBB. Smaller insurance companies can have mixed financial profiles, but the company’s A+ rating from AM Best demonstrates a strong ability to pay out customer claims. Insurance policies from Concord Group Insurance are also managed by local agents, who are well-versed in Vermont insurance requirements and can provide personalized policy recommendations.

*Due to this provider’s size, cost and rating data aren’t available. 

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#3 USAA: Best For Military Members

Full Coverage Auto Insurance Cost:  $766 per year, $64 per month
Minimum Liability Auto Insurance Cost: $225 per year, $19 per month
Vermont Customer Service Rating: 896/1,000 points*
Claims Satisfaction Rating: 900/1,000 points*

If you’re eligible, USAA is a high-quality option for car insurance in Vermont. The company only insures military members and their families, but is known for offering some of the most affordable car insurance policies available as well as the company’s excellent customer service.

USAA holds an A++ (Superior) financial strength rating from AM Best. 

Read our comprehensive USAA insurance review to learn more.

*USAA is excluded from rankings in J.D. Power studies because the provider doesn’t meet study eligibility requirements.

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#4 State Farm: Best for Students and Teens

Full Coverage Auto Insurance Cost: $763 per year, $64 per month
Minimum Liability Auto Insurance Cost: $260 per year, $22 per month
Vermont Customer Service Rating: 829/1,000 points
Claims Satisfaction Rating: 891/1,000 points

State Farm is the largest insurance company in the U.S., according to the National Association of Insurance Commissioners (NAIC). The company is a great choice for student drivers and parents with teen drivers. The company offers the Steer Clear^® program, which teaches and rewards good habits for young drivers under the age of 25, as well as a variety of other discounts.

You can learn more in our State Farm insurance review.

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#5 Vermont Mutual: Affordable Minimum Coverage

Full Coverage Auto Insurance Cost: $979 per year, $82 per month
Minimum Liability Auto Insurance Cost: $324 per year, $27 per month
Vermont Customer Service Rating: N/A
Claims Satisfaction Rating: N/A 

Vermont Mutual is a small New England-based insurance company that offers great rates for Vermont drivers interested in minimum coverage policies. The company has a long history serving insurance customers and boasts an A+ rating from the BBB and an A+ financial strength rating from AM Best.

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Vermont Car Insurance Requirements

Each state decides its own minimum car insurance requirements. Vermont’s minimum requirement includes 25/50/10 bodily injury liability and property damage liability insurance coverage, which means you need:

• $25,000 per person bodily injury liability
• $50,000 per accident bodily injury liability
• $10,000 per accident property damage liability

Under Vermont law, if you’re involved in an at-fault accident, it’s your responsibility to cover vehicle repairs and medical bills of other involved parties. If you’re found driving without car insurance in the state of Vermont, you could pay a fine up to $500 and have your license suspended.

Although it’s not required, it’s a good idea to carry more than Vermont’s state-minimum coverage. While minimum coverage is often the cheapest car insurance option, car accidents often cost drivers more than the state requirements will cover. Accidents can happen even if you’re diligent about safe driving. Here are a few other types of auto insurance to consider carrying in addition to Vermont’s basic car insurance requirements:

• Comprehensive insurance
• Collision insurance
• Underinsured/uninsured motorist coverage
• Medical payments (MedPay) coverage
• Personal injury protection (PIP) insurance

A full coverage car insurance policy typically includes the state-required minimum liability coverage plus additional comprehensive and collision coverages. Drivers with full coverage typically pay higher insurance premiums but have more protection in the event of an accident or vehicle damage from severe weather and other events.

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What To Know About Driving In Vermont

According to Statista, there were slightly under 500,000 licensed drivers in Vermont in 2021. That same year, Vermont’s population was about 646,000. Although a large population of the state’s citizens drive, there’s a very low auto accident fatality rate. From 2017 to 2021, the state had fewer than 70 accident deaths per year, according to the Vermont Highway Safety Alliance.

Vermont’s highways were rated 38th in the nation in a 2023 study conducted by the Reason Foundation. The study measured the performance and cost-effectiveness of highways in the U.S.

Considering Vermont’s mixed highway quality ratings, harsh winters, and other hazardous weather conditions that could lead to collisions, it may be smart to opt for a comprehensive car insurance policy.

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How To Save Money On Car Insurance In Vermont

If you’re looking for ways to lower your car insurance rates as a Vermont driver, a few basic factors can help. Drivers with good credit and a clean driving record often qualify for the lowest rates, but drivers with a recent accident, DUI, or speeding ticket can find ways to get cheap car insurance, too.

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Best Car Insurance In Vermont: Our Take

Based on our research into providers’ availability, customer reviews, affordability, industry ratings, and coverage options, Geico, Concord Group, and USAA are the strongest options for car insurance in Vermont. In our review, each received at least a 4.0 out of 5.0 rating.

Ultimately, we recommend reaching out to multiple insurers to see exactly what an insurance policy may cost based on your own driver profile. By using the tool below, you can receive free, no-risk car insurance quotes from our recommended providers.

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FAQ: Best Car Insurance In Vermont

Below, we cover some of the most frequently asked questions about which provider offers the best car insurance in Vermont:

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How We Rate Auto Insurers

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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