Vermont drivers pay an average of $1,027 per year for full coverage. CoverShield agents compare 40+ carriers licensed in VT on one call — most Vermont drivers save $400–$700 a year by re-shopping.
Average wait: 12 sec · Licensed in VT
Avg Vermont full-coverage premium
$1,027/yr
Avg Savings After Re-shop
$400–$700/yr
Carriers Licensed in VT
40+
Vermont ranks #49 in US population and is an at-fault (tort) auto-insurance state. State minimum liability is 25/50/10, but roughly 6% of VT drivers carry no insurance at all — one of the strongest arguments for adding uninsured-motorist coverage to your policy. Average full-coverage premium in Vermont sits at $1,027/yr, and Burlington ZIP codes typically run 10–25% above that.
Local underwriting notes
Vermont full-coverage auto insurance averages $1,027/year, about 40% below the 50-state average of $1,714/yr. That matters because carriers do not price Burlington, Essex, Colchester the same way; ZIP-level claim frequency and repair costs can move quotes hundreds of dollars apart inside the same state.
Vermont is an at-fault state, so liability limits and lawsuit exposure matter more than basic state-minimum compliance. The legal minimum is 25/50/10, but a serious crash in a higher-cost metro can exhaust those limits quickly. Vermont has one of the lower uninsured-driver rates, but adding UM/UIM is still a low-cost backstop against the drivers who skip coverage.
Because Vermont is a low-population market where fewer carriers may compete in rural ZIP codes, carrier appetite can swing between dense metro neighborhoods, college towns, rural commute corridors, and weather-exposed areas. Agents also check winter storms & flooding exposure, garaging address, mileage, prior-insurance gaps, and whether a household qualifies for telematics, multi-car, paid-in-full, or homeowner discounts.
Vermont market notes
Carrier appetite, regulation, and weather exposure that change how auto insurance is actually priced in Vermont.
Vermont has very low auto premiums (~$1,030/yr) and one of the country's lowest uninsured-driver rates (~6%). Burlington is the only significant urban market; most of VT is rural. Vermont Mutual and Co-operative Insurance Companies are notable VT-regional carriers with competitive bundled pricing for eligible VT residents.
Notable VT auto insurance carriers
VT state law sets the legal floor at 25/50/10, but most CoverShield agents recommend 100/300/100 or higher because medical and repair costs in Burlington routinely exhaust state-minimum limits after a serious crash.
| Coverage | VT minimum | What it pays for |
|---|---|---|
| Bodily injury — per person | $25,000 | Medical bills for one person you injure in an at-fault crash. |
| Bodily injury — per accident | $50,000 | Total bodily-injury cap across all people hurt in one crash. |
| Property damage | $10,000 | Repairs to vehicles, fences, structures you damage. |
Source: VT Department of Insurance, 2026. State minimums are the legal floor — not a recommendation.
These are the carriers we see win the most VT quotes — but the cheapest carrier for you depends on age, vehicle, driving record, credit (where allowed), and ZIP. CoverShield re-shops all of them on one call.
GEICO
Active across VT. Competitive in Burlington ZIPs and surrounding counties.
Progressive
Active across VT. Competitive in Essex ZIPs and surrounding counties.
Allstate
Active across VT. Competitive in Colchester ZIPs and surrounding counties.
Co-operative Insurance Companies
Active across VT. Competitive in Burlington ZIPs and surrounding counties.
Vermont Mutual
Active across VT. Competitive in Essex ZIPs and surrounding counties.
An SR-22 is a certificate VT requires after a DUI, reckless driving, at-fault crash without insurance, or license reinstatement. It's not a separate policy — it's a filing your insurer sends to the VT DMV proving you carry at least the 25/50/10 state minimum.
Filing fee
$15–$35
One-time, paid to your carrier.
How long required
3 years (5 in some cases)
Continuous coverage — any lapse restarts the clock.
Premium impact
+40–80%
Compared to standard VT rates for 3 years post-incident.
Not every VT carrier files SR-22s. Standard-market insurers often non-renew after a major violation, pushing drivers into non-standard carriers (Direct Auto, Acceptance, Bristol West, Dairyland) at higher rates. CoverShield agents know which VT-admitted carriers still file SR-22 at competitive premiums — and which ones to avoid.
We serve every ZIP in Vermont. Common quote requests come from Burlington, Essex, Colchester, and Montpelier — but rural and small-town VT drivers get the same agent attention.
Vermont — Common Questions
Vermont requires liability limits of at least 25/50/10 (bodily injury per person / per accident / property damage). Most CoverShield agents recommend higher limits because medical and repair costs in Burlington routinely exceed state minimums after a serious crash.
Premiums in Vermont are driven by population density, uninsured-motorist rates, severe weather exposure (winter storms), and repair costs. Re-shopping every 6 months is the single biggest lever Vermont drivers control.
Most VT-licensed carriers can bind a policy the same day — usually within minutes once payment and license info are confirmed. Useful for dealerships, lease handoffs, or SR-22 court deadlines.
Yes — every ZIP code, from Burlington to Montpelier. CoverShield works with carriers admitted in all of VT.
No — Vermont is a traditional tort (at-fault) state. The at-fault driver's liability insurance pays for the other party's injuries and damages. That's why carrying more than the 25/50/10 state minimum is strongly recommended in VT — a serious crash can leave you personally liable for everything above your limits.
Roughly 6% of drivers in Vermont are uninsured (IRC data). That's well below the US average, but UM/UIM coverage is still cheap insurance against the small percentage of VT drivers who skip coverage.
No forms, no spam. One call, real VT-licensed agent.
Local auto insurance pages for the largest Vermont cities. Rates and minimums vary by ZIP — pick your city for a localized breakdown.
Auto Insurance in Maine
Avg Maine full-coverage premium: $1,015/yr
Auto Insurance in New Hampshire
Avg New Hampshire full-coverage premium: $1,041/yr
Auto Insurance in Idaho
Avg Idaho full-coverage premium: $1,133/yr
Auto Insurance in Ohio
Avg Ohio full-coverage premium: $1,175/yr
Auto Insurance in Iowa
Avg Iowa full-coverage premium: $1,180/yr
Auto Insurance in Wisconsin
Avg Wisconsin full-coverage premium: $1,230/yr
