Cheap Vermont Auto Insurance for 2026

Vermont is infamous for maple syrup as well as fall colors. And while you’re driving through the beauty of this state, make sure you have insurance. Vermont auto insurance is required by law and protects everyone on the road.

Understanding auto insurance can be hard, but we have narrowed down everything you need to know to buy Vermont auto insurance with confidence.

Find affordable Vermont auto insurance rates right now. Just enter your ZIP code for free quotes.

Vermont Auto Insurance Laws And Requirements

In Vermont, the state liability coverage minimums are:

• Bodily Injury Liability Coverage – $25,000 per person
• Bodily Injury Liability Coverage – $50,000 per accident
• Property Damage Liability Coverage – $10,000 per accident

Take a look at how Vermont’s minimum rates compare with surrounding states.

Uninsured/Underinsured Motorist coverage:

• Bodily Injury Coverage – $50,000 per person
• Bodily Injury Coverage – $100,000 per accident
• Property Damage Coverage – $10,000 per accident

Optional coverage  in Vermont includes:

• Comprehensive Coverage
• Collision Coverage
• Medical Payments Coverage
• Rental Car Reimbursement Coverage
• Towing and Labor / Roadside Assistance Coverage

Vermont drivers are paying approximately $50 a month less than the national average monthly premium for auto insurance. All drivers in the state of Vermont are required to have a valid auto insurance policy. The minimum auto insurance requirements in the state of Vermont are 25/50/10.

The $25,000 minimum liability coverage covers the death or injury of one person who is involved in an accident. This means that if a passenger dies due to an automobile accident, their family is eligible to receive up to $25,000 from the minimum coverage policy. $50,000 is the minimum amount of coverage that the state of Vermont requires for liability coverage for an entire accident, covering all people injured.

$10,000 is the minimum amount of property damage liability coverage that is required. $10,000 in coverage can quickly be exceeded if a driver hits a building, destroys a light pole, or causes a large amount of property damage as a result of their accident.

Drivers are required to have valid proof of insurance in their vehicles at all times. A driver who is unable to produce a valid insurance card following an accident or traffic stop may be fined $100 and have 2 points added to their driver’s license. This cost can increase if a driver has a second violation in the future.

Vermont also has strict rules on teen drivers. Teen drivers have a blood alcohol limit of 0.02. Any driver who exceeds this amount when they are blood alcohol tested is subject to immediate license suspension. Drivers are also subject to large fines as well as jail sentences.

Teen drivers also must undergo a GDL program. The Graduated Drivers License program is used by a number of states. Drivers first receive their learning permit which allows the teen to drive with their parents. Teenagers who successfully complete a probationary period on their learning permit are then allowed to receive a level 2 license. This license allows a teenager to drive on their own with other restrictions such as the number of passengers and times during which a teen can drive. Drivers who successfully complete a period at level 2 will receive a full license.

Vermont does not require drivers to have underinsured/uninsured motorist coverage. However, because Vermont is a tort auto insurance state, drivers should strongly consider purchasing this coverage. It may enable them to be protected in the future. Drivers should also consider the limit that they choose for this policy.

Vermont being a tort state means that one of the drivers in an accident must be found at fault. The driver who is at fault typically has their insurance company pay for any damages that are incurred. This means that individuals may be held liable for any costs that are not covered by their insurance policies. Drivers should strongly consider purchasing additional insurance coverage when possible. These insurance policies may protect drivers from a number of different problems including potential legal situations.

Drivers in Vermont should strongly consider purchasing comprehensive as well as collision coverage. Collision will cover a vehicle if it collides with another vehicle or object. This occurs in the majority of accidents. While a driver is not required to have this type of insurance by the state of Vermont, they will be unable to pay for any of the damages using their liability insurance.

Comprehensive insurance protects a vehicle against theft, vandalism, and other common damage claims. This means that a vehicle that is stolen will be paid for by an insurance company. Comprehensive and collision policies are often required by banks and financing companies.

Luckily the insurance rates in Vermont are much cheaper in comparison to the other states in the nation.

The statewide average for auto insurance is just under $900 per year, which is less than $70 a month. Compared to the national average, this rate is more than $500 less. What’s even better is that the rate doesn’t change much when going from an average rural area to a big city.

We can also take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

Vermont Auto Insurance rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

But which companies are the largest, holding the most market share percentage in the region?

VT Auto Insurance Agents Directory

Vermont Auto Insurance Agents

• Get Affordable Highgate, VT Auto Insurance Quotes (2026)
• Get Affordable Winooski, VT Auto Insurance Quotes (2026)

Vermont Auto Insurance – Additional Resources

Vermont Auto Insurance Quotes

Drivers in Vermont should be aware of the minimum auto insurance requirements as well as state laws. It is a wise idea to purchase as much auto insurance as a driver can afford. The more coverage a driver has, the less likely they are to end up in court. Drivers should also be aware of the legal restrictions and costs that could be levied against them for violating state law.

To get a quick, free auto insurance quote in Vermont, enter your ZIP code below for free rates from Vermont auto insurance companies.