Cheap Vermont Auto Insurance in 2024 (Unlock Big Savings From These 10 Companies!)

Geico, AAA, and Travelers are the best choices for cheap Vermont auto insurance, providing flexible policies and excellent full coverage options.

All drivers must carry Vermont auto insurance, but luckily Vermont insurance rates are below the national average.

Our Top 10 Company Picks: Cheap Vermont Auto Insurance

While understanding auto insurance can be hard, we have narrowed down everything you need to know to buy the cheap Vermont auto insurance with confidence.

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

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#1 – Geico: Top Overall Pick

Pros

• Affordable Rates: Geico offers some of the cheap Vermont auto insurance premiums, making it a cost-effective choice for many drivers in the state.
• Wide Range of Discounts: Geico provides various discounts, such as good driver discounts, multi-policy bundles, and discounts for military service, helping Vermonters save on their auto insurance premiums.
• Strong Mobile App: The Geico mobile app is highly rated for its user-friendliness, enabling Vermont customers to manage their policies, file claims, and access roadside assistance conveniently from anywhere. Read more through our Geico auto insurance review.

Cons

• Limited Local Agents: Geico’s focus on online and phone services means Vermonters may miss out on the personal touch and in-person support that local agents can provide.
• Customer Service Variability: While many Vermont customers may have positive experiences, there can be inconsistencies in customer service quality, with some experiencing long wait times or unresolved issues.

#2 – AAA: Best for Roadside Assistance

Pros

• Excellent Roadside Assistance: AAA is renowned for its superior roadside assistance services, which include support for breakdowns, flat tires, and lockouts. Opting for cheap Vermont auto insurance with AAA means you still receive high-quality roadside support.
• Member Discounts: AA members enjoy exclusive discounts not only on insurance on other services. By choosing cheap Vermont auto insurance through AAA, you can maximize savings and benefit from a range of discounts that enhance the overall value of your membership.
• High Customer Satisfaction: AA consistently receives high ratings for customer satisfaction due to its reliable service and personalized support. Even when opting for cheap Vermont auto insurance, you can expect the same level of commitment and care Learn more through our AAA auto insurance review.

Cons

• Higher Premiums: The cost of insurance through AAA can be higher compared to some other providers, including those offering cheap Vermont auto insurance, which might be a consideration for budget-conscious drivers.
• Limited Availability: AAA insurance services are not available in all states, including potentially limited options compared to cheap Vermont auto insurance providers, which could restrict access for some prospective customers.

#3 – Travelers: Best for Bundling Policies

Pros

• Bundle Discounts: Travelers offers significant savings for customers who bundle their auto insurance with home, renters, or other types of insurance. This makes it an advantageous for those seeking cheap Vermont auto insurance.
• Variety of Coverage Options: The company provides a wide array of coverage options and endorsements, allowing customers to tailor their policies to their specific needs. This flexibility helps in looking for cheap Vermont auto insurance. Read more through our Travelers auto insurance review.
• Strong Financial Stability: Travelers has a solid reputation for financial stability, which ensures that it can reliably pay out claims and handle long-term commitments.

Cons

• Higher Rates for Some Drivers: Drivers with less-than-perfect records might face higher premiums, which could be a drawback for those seeking more affordable coverage.
• Limited Discounts: Travelers offers fewer discounts compared to some other providers, which might affect savings for certain customers.

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#4 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible Program: Some providers offering cheap Vermont auto insurance have programs such as the Vanishing Deductible, which reduces your deductible amount for each year of safe driving. Explore more discount options in our Nationwide auto insurance review.
• Strong Reputation: Providers known for cheap Vermont auto insurance, including Nationwide, often have a strong reputation in the industry.
• Wide Range of Coverage: Even with cheap Vermont auto insurance, some providers offer a wide range of comprehensive coverage options and endorsements. This flexibility allows drivers to tailor their policies to meet specific needs, ensuring they are adequately covered in various situations.

Cons

• Average Customer Service: While generally reliable, customer service experiences can be mixed, with some customers reporting delays or issues in communication. 
• Higher Premiums for Some Drivers: Rates can be higher for drivers with poor driving records or high-risk profiles, which might not be ideal for everyone.

#5 – American Family: Best for Costco Members

Pros

• Great for Costco Members: American Family provides special discounts and benefits for Costco members, adding value for those who are part of the membership club.
• Flexible Policy Options: Offers a broad range of customizable coverage options, allowing customers to tailor their policies to their specific needs and preferences.
• High Customer Satisfaction: Known for high levels of customer satisfaction, American Family is praised for its service quality and responsiveness.

Cons

• Higher Average Premiums: Premiums with American Family can be higher compared to other providers, which might be a concern for those seeking budget-friendly options.
• Limited Availability: American Family’s insurance services are not available in all states, which may limit options for some potential customers. Check out our review of Farmers auto insurance review for more information.

#6 – State Farm: Best for Customer Service

Pros

• Excellent Customer Service: State Farm is known for its high-quality customer service, with agents offering personalized assistance and support.
• Wide Range of Discounts: Offers numerous discounts, including for safe driving, multi-car policies, and more, helping to reduce overall insurance costs.
• Strong Local Presence: With a large network of local agents, State Farm provides personalized, face-to-face service and support, which many customers appreciate.

Cons

• Higher Rates for Some Drivers: Drivers with less-than-perfect records may experience higher premiums, which could be a drawback for those with a history of accidents or violations.
• Policy Complexity: The range of policy options and coverage details can be complex, making it challenging for some customers to fully understand their policies. View our State Farm auto insurance review.

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#7 – Liberty Mutual: Best for Unique Benefits

Pros

• Unique Benefits: Liberty Mutual offers unique features like accident forgiveness and better car replacement, which can provide added peace of mind and financial protection.
• Customizable Policies: Offers a wide range of customizable policy options, allowing you to tailor your coverage to fit your specific needs and preferences.
• Strong Financial Stability: Known for its solid financial standing, Liberty Mutual is a reliable choice for long-term insurance needs and claims payouts. For more information, please refer to our Liberty Mutual auto insurance review.

Cons

• Higher Premiums: Insurance premiums with Liberty Mutual can be higher compared to some other providers, which might not suit all budget constraints.
• Customer Service Issues: There are some reports of inconsistent customer service experiences, which may affect overall satisfaction.

#8 – Farmers: Best for Group Discounts

Pros

• Group Discounts: Farmers offers various discounts for groups, associations, and affiliations, which can result in significant savings for eligible customers. Please check out our Farmers auto insurance review for more details.
• Customizable Coverage: Provides extensive options for customizing coverage, allowing policyholders to select the protection that best fits their needs.
• Strong Local Presence: With a large network of local agents, Farmers offers personalized service and support, which many customers find beneficial.

Cons

• Higher Rates: Premiums with Farmers can be higher compared to some competitors, which might be a concern for those looking for more budget-friendly options.
• Complex Policies: The variety of policy options can be complex and overwhelming, making it challenging for some customers to navigate and understand.

#9 – Allstate: Best for Infrequent Drivers

Pros

• Good for Infrequent Drivers: Allstate offers specialized coverage options for drivers who don’t use their vehicles frequently, which can be cost-effective for occasional drivers.
• Comprehensive Coverage Options: Provides a wide range of coverage options and add-ons, allowing for tailored policies that meet individual needs.
• Strong Financial Ratings: High ratings for financial stability and strength ensure that Allstate can reliably handle claims and provide long-term coverage. Check our Allstate auto insurance review.

Cons

• Higher Premiums: Allstate’s premiums can be higher than those of some other providers, which might not be ideal for customers seeking lower rates.
• Complex Policy Options: The range of coverage options can be complex and difficult to understand, potentially leading to confusion over policy details.

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#10 – Progressive: Best for Qualifying Coverage

Pros

• Competitive Rates: Known for offering competitive pricing, Progressive provides affordable insurance options that are often among the best in the industry.
• Flexible Coverage Options: Offers a wide range of coverage options and endorsements, allowing customers to tailor their insurance to their specific needs. Our detailed review of Progressive auto insurance review covers this topic more thoroughly.
• Snapshot Program: The Snapshot program provides discounts based on your driving habits, rewarding safe driving with potential savings.

Cons

• Higher Premiums for Some Drivers: Rates can be higher for drivers with high-risk profiles or poor driving records, which might not be ideal for everyone.
• Customer Service Variability: Customer service experiences can vary, with some reports of issues with responsiveness and resolution of problems.

Vermont Auto Insurance Requirements

Vermont drivers are paying approximately $12 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.

Vermont Auto Insurance Monthly Rates by Coverage Level & Provider

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 (learn how to get points removed from your license.

This cost can increase if a driver has a second violation in the future.

Vermont also has strict rules teenage 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.

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.

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.

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.

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.

Learn about the difference between comprehensive and collision coverage. 

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

Vermont Auto Insurance Rates by Company

Although the state offers generally low auto insurance rates, the cost can vary among some of the largest companies. It’s important to Get affordable delivery driver auto insurance quotes to find the best deal

But which companies hold the most market share in the region? Comparing quotes from these major providers can help you secure the most competitive rates.

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Vermont Auto Insurance Quotes

Drivers in Vermont should be aware of the state’s minimum auto insurance requirements: 25/50/10 liability insurance. It’s wise to purchase as much coverage as you can afford, as more coverage reduces the risk of legal issues.

To get quick and free Vermont auto insurance quotes, enter your ZIP code below for free rates from Vermont auto insurance companies.

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