10 Best Auto Insurance Companies in Vermont for 2025 (Top Providers Ranked)

The best auto insurance companies in Vermont are Allstate, Geico, and Liberty Mutual based on coverage options, affordability, and customer satisfaction.

As one of the largest providers in the country, Allstate takes the top spot in Vermont thanks to its excellent array of full coverage policy options and superb customer service.

Our Top 10 Picks: Best Auto Insurance Companies in Vermont

Whether you’re a Vermont driver who wants the best auto insurance companies for comprehensive coverage or the cheapest providers for minimum insurance, you’ll find a variety of options to meet your needs below. To find the best auto insurance in Vermont quickly, enter your ZIP code into our free comparison tool.

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#1 – Allstate: Top Pick Overall

Pros

• Drivewise and Milewise: Allstate offers two usage-based insurance programs to help Vermont drivers save. See whether Drivewise or Milewise is best for you in our Allstate auto insurance review.
• Accident Forgiveness: Accident forgiveness from Allstate prevents a rate increase after a driver’s first accident.
• Full Coverage Options: Allstate is well-known for its full coverage insurance options, including rideshare insurance and new car replacement coverage.

Cons

• Higher Premiums: Some Vermont drivers may find Allstate’s base rates higher compared to competitors.
• Limited Local Agents: Allstate usually depends on local agents to sell insurance, but there are fewer in-person agents available in certain Vermont regions.

#2 – Geico: Best for Affordable Rates

Pros

• Low Rates: Geico is known for offering some of the cheapest auto insurance in Vermont.
• User-Friendly Digital Tools: With a robust mobile app and online services for policy management, Geico is a great choice for modern drivers.
• DriveEasy: Save up to 25% with Geico’s DriveEasy, a UBI program that tracks mileage among other factors.

Cons

• No Gap Coverage: It may come as a surprise from such a large provider, but Geico does not offer gap insurance for new car owners.
• Mixed Claims Satisfaction: Some customers report challenges with Geico’s Vermont car insurance claims process. Learn more about the claims process in our Geico auto insurance review.

#3 – Liberty Mutual: Best for Flexible Coverage Options

Pros

• RightTrack: You can get cheap car insurance in Vermont by enrolling in Liberty Mutual’s UBI program RightTrack. The safest drivers can save up to 30%.
• Specialty Auto Policies: Liberty Mutual offers coverage for ATVs, off-road vehicles, recreational vehicles (RVs), and antique/classic cars.
• Customizable Policies: You can customize your Liberty Mutual policy in a variety of ways. Read our Liberty Mutual auto insurance review to explore your options.

Cons

• Higher Average Rates: Liberty Mutual does not typically offer the cheapest Vermont auto insurance quotes.
• Mixed Customer Reviews: Some Vermont customers report dissatisfaction with Liberty Mutual’s claims handling team.

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#4 – Nationwide: Best for Usage-Based Insurance Savings

Pros

• SmartMiles and SmartRide: You can choose between Nationwide’s UBI program SmartRide or its pay-per-mile policy called SmartRide for maximum savings.
• Policy Add-Ons: Nationwide offers a variety of Vermont car insurance coverage options, including a vanishing deductible and gap insurance.
• Strong Financial Ratings: With an A+ from A.M. Best, Nationwide has a reputation for financial stability. See other ratings in our Nationwide auto insurance review.

Cons

• Higher Rates for High-Risk Drivers: Nationwide Vermont auto insurance prices can be steep for those with imperfect driving records.
• Not Available Everywhere: While you can purchase Nationwide in Vermont, you may need a new provider if you move states.

#5 – Travelers: Best for Bundling Insurance Policies

Pros

• IntelliDrive: Vermont drivers can save up to 30% on their insurance with Travelers’ IntelliDrive program. See more IntelliDrive details in our Travelers auto insurance review.
• Generous Discounts: Travelers helps drivers find low Vermont auto insurance costs with 15 discounts.
• Customizable Coverage: Get the best Vermont car insurance that exactly fits your needs with Travelers’ add-ons. Optional coverage includes roadside assistance and rideshare coverage.

Cons

• IntelliDrive Penalties: Most UBI programs guarantee that your rates won’t raise for unsafe driving behaviors, but some Travelers drivers will see higher premiums after signing up for IntelliDrive.
• Coverage Limitations: Some Travelers coverage options are not available everywhere. For example, you can only get rideshare coverage through Travelers in a few states.

#6 – American Family: Best for Loyalty Discounts

Pros

• KnowYourDrive Program: The KnowYourDrive program from American Family rewards Vermont drivers with discounts of up to 20% for safe driving behaviors.
• Teen Safe Driver Program: Families with teen drivers can take advantage of American Family’s tools and resources to help young people in Vermont stay safe on the road.
• Local Agents: Local American Family agents in Vermont make it easy to get personalized service. See other ways AmFam provides excellent service in our American Family auto insurance review.

Cons

• Higher Premiums: Some Vermont drivers may find American Family premiums are higher compared to other insurers.
• Digital Experience: If you’re looking for a more modern insurance experience, American Family may not be the right choice. Its online platform may not be as robust as some competitors.

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#7 – Progressive: Best for Snapshot Savings

Pros

• Snapshot: Save up to 30% with Progressive’s UBI program, Snapshot. Snapshot tracks behaviors like when you drive and for how long.
• Deductible Savings Bank: When you sign up for Progressive’s deductible savings bank, your deductible will be reduced by $50 for every six months of accident-free driving.
• Multi-Policy Discounts: Earn savings when you bundle auto insurance with other Progressive policies. Explore all of Progressive’s policy options in our Progressive auto insurance review.

Cons

• Snapshot Penalties: Snapshot is another UBI program that penalizes poor driving behaviors with higher rates.
• Mixed Customer Satisfaction: Some Vermont customers report dissatisfaction with unexplained rate increases. Progressive also struggles with customer loyalty.

#8 – State Farm: Best Customer Service

Pros

• Drive Safe & Save Program: The safest drivers can save up to 30% by signing up for State Farm’s Drive Safe & Save program.
• Generous Coverage Limits: State Farm offers higher coverage limits than many providers for things like rental car reimbursement and travel insurance.
• Multiple Discounts: There are 13 State Farm discounts to take advantage of to help you save. Explore all your discount options in our State Farm auto insurance review.

Cons

• Limited Coverage Options: Some popular coverage options are missing from State Farm, most notably gap insurance.
• Financial Ratings: Recently, A.M. Best downgraded State Farm’s financial stability rating from an A+ to a B.

#9 – Farmers: Best for Customized Coverage

Pros

• Signal App: Farmers makes it easy for safe Vermont drivers to save with the Signal app, which offers a maximum discount of 30%.
• Excellent Roadside Assistance: Adding roadside assistance to your Farmers policy ensures you can get help when you need it most. See what roadside assistance covers in our Farmers auto insurance review.
• Wide Variety of Discounts: With 23 discounts, Farmers has one of the longest lists of savings on the market. See which you might qualify for in our Farmers auto insurance review.

Cons

• Higher Rates: Farmers is not the cheapest option for Vermont auto insurance, particularly if you’re a high-risk driver.
• Limited Customer Service: Farmers doesn’t offer 24/7 customer support in all areas.

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#10 – USAA: Best for Military Members and Vets

Pros

• Competitive Rates: No matter what type of driver you are, USAA is almost always the cheapest option for Vermont auto insurance.
• SafePilot: USAA offers a discount of up to 30% with SafePilot. If you’re driving habits aren’t quite the safest, your rates won’t increase.
• Military Benefits: USAA is famous for its service to military members. Not only does it provide low rates, it also has special coverage options meant to help military members.

Cons

• Eligibility Restrictions: You can only purchase USAA insurance if you’re a member. Membership is only available to active military members, veterans, and their families.
• Limited Coverage: USAA offers limited insurance types compared to other major companies. Read more: Does USAA offer gap insurance?

Vermont Auto Insurance Rates

When it comes to car insurance rates, Vermont drivers tend to pay a bit less than the national average. While there are many things to consider for your insurance rates, you can get an idea of what you might pay at the top companies in Vermont below.

Vermont Auto Insurance Monthly Rates by Coverage Level

However, insurance premiums are affected by a variety of factors, so you may pay more or less depending on your situation.

Check out the average Vermont car insurance costs by age and gender below to get an idea of how much you might pay.

Vermont Auto Insurance Monthly Rates by Age, Gender & Coverage Level

When it comes to auto insurance prices, the best Vermont company might not have the cheapest overall prices. For example, many Vermont drivers find that Geico, State Farm, or USAA have the cheapest quotes.

While there are many factors to consider, one of the most important is your age. Teen drivers typically pay much more than adults because insurance companies consider them a higher risk. That’s particularly true when a teen needs their own policy.

The good news about teen drivers rates is that they do eventually lower, as long as you keep your driving record clean. Young drivers typically see their rates reach much lower rates by 25. However, if you have speeding tickets, at-fault accidents, or DUIs on your record, you’ll pay much more.

Vermont Auto Insurance Rates by Driving Record

As in all states, drivers will pay much more for their car insurance in Vermont when they have negative marks on their driving record. Marks against you include:

• Speeding tickets
• At-fault accidents
• Reckless driving
• DUIs
• Driving without insurance

It’s important to avoid these driving behaviors, especially for young drivers. However, if you do have marks in your driving record, you can check below to see how much you might pay for car insurance.

Vermont Full Coverage Auto Insurance Monthly Rates by Driving Record

Depending on your driving record, some insurance companies might be unwilling to insure you. If your insurance is dropped after too many DUIs, speeding tickets, or other violations, you’ll need to look at the best auto insurance companies for high-risk drivers. That’s particularly true for drivers with a DUI conviction.

While there are many factors included in how insurance companies calculate your rates, having a DUI on your record has one of the most significant impacts. Finding affordable car insurance in Vermont is difficult since your rates will definitely increase.

However, whether you need a new policy or have an existing one, you should always compare rates. Predicting which company will have the cheapest insurance after a DUI is almost impossible without comparing quotes.

Regardless of your situation, you should always compare quotes with multiple companies before you sign up for a policy. Getting personalized quotes is usually easy — simply visit the website of a company you’re interested in and fill out the quote request form.

Allstate is our top pick for the best Vermont auto insurance companies, but you may find better rates for you elsewhere. However, spending the time to get a personalized quote from individual companies can be time-consuming. If you want to save time, enter your ZIP code into our comparison tool to see multiple Vermont rates at once.

Best Types of Auto Insurance in Vermont

All of the top companies for Vermont auto insurance offer everything you need for a full coverage policy. This includes:

• Liability Insurance: Liability insurance pays for damages and injuries you cause in an at-fault accident. While you do need liability insurance in most states, it does not pay for your vehicle repairs.
• Collision Insurance: If you want coverage for your own vehicle, you need collision insurance. The best car insurance companies for collision coverage pay for car repairs no matter who is at fault.
• Comprehensive: To protect your car from unexpected events, comprehensive insurance is the best choice. The best auto insurance companies for comprehensive coverage handle things like fires, falling objects, and flooding.
• Uninsured/Underinsured Motorist: To protect yourself against car accidents involving uninsured and underinsured drivers, you need uninsured/underinsured motorist insurance.
• Personal Injury Protection/Medical Payments: Personal injury protection (PIP) and medical payments coverage pay medical expenses after an accident for you and your passengers.

Aside from the most basic types of car insurance, you can add optional coverage to your policy. While there are a wide variety of coverage types to choose from, some of the most popular options for Vermont drivers include:

• Gap Insurance: If you have a loan or lease on your vehicle and you total it, you may owe more than your vehicle is worth. The best gap insurance coverage pays off the difference.
• Roadside Assistance: Many Vermont drivers choose a roadside assistance plan, particularly during the winter months.
• New Car Replacement: A standard policy likely won’t cover the entire cost of a new car. If your vehicle is three years old or newer, new car replacement coverage ensures it’ll be replaced with a similar model.
• Rental Car Reimbursement: If your vehicle is stuck in the mechanic’s after a covered accident, your insurance will pay a rental while you wait.

These are just a few add-ons Vermont drivers opt for. However, they may not be available from every company. If you’re interested in a specific type of add-on coverage, make sure to research your provider options.

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Vermont Auto Insurance Requirements

Like most states, Vermont requires all drivers to carry a certain amount of insurance before they can legally drive.

Vermont car insurance requirements include the following:

• Bodily Injury Liability: $25,000 per person, $50,000 per accident
• Property Damage Liability: $10,000 per accident
• Uninsured/Underinsured Bodily Injury: $50,000 per person, $100,000 per accident
• Uninsured/Underinsured Property Damage: $10,000 per accident

Compared to the rest of America, Vermont’s car insurance requirements are a little higher than average. Although it requires less property damage liability insurance, many states don’t require uninsured/underinsured motorist coverage. However, finding the best uninsured/underinsured motorist coverage is typically as easy as getting affordable liability insurance.

Driving without insurance in Vermont comes with serious consequences, including a $500 fine, points on your license, and the suspension of your license. You might also have to submit SR-22 insurance.

SR-22 insurance can be much pricier than a traditional policy, and you’ll need to maintain it for a specified number of years. The State of Vermont requires auto insurance companies to submit proof of your insurance every month in order for you to keep your license.

How to Save on Vermont Auto Insurance

Saving on auto insurance in Vermont involves a combination of strategic choices and taking advantage of available discounts. Here are effective strategies to help you reduce your premiums:​

• Find Discounts: Finding the best auto insurance discounts you qualify for is crucial in getting a cheap quote. Popular driver discounts to get low-cost auto insurance with include policy bundling, being a good driver, and automatic payments.
• Try UBI: Finding the best usage-based auto insurance in Vermont isn’t hard with so many choices. As long as you regularly practice safe habits, a UBI program can slash your insurance premiums.
• Maintain a Clean Driving Record: You saw above that drivers with clean records pay much less for their insurance.
• Choose a Higher Deductible: Choosing a higher deductible will lower your monthly payments, but you’ll be responsible for more if you need to file a claim.

While all of these options are great ways to lower your rates, it’s important to start with the lowest quote possible. Comparing quotes from multiple companies ensures that you get the lowest premiums possible. It’s especially important to compare quotes if you want full coverage insurance since rates and coverage options are so different.

Skipping this crucial step usually leads to overpaying for auto insurance in Vermont. To get a good idea of which company has the cheapest insurance for you, you should compare rates with as many providers as you can.

Best Auto Insurance Discounts for Vermont Drivers

Most insurance companies offer a variety of ways for drivers to lower their monthly premiums, and one of the easiest ways is to take advantage of discounts. Whether you need the best teenage car insurance discounts or savings for older drivers, you can take a look below to see how much you might save with some of the best discounts in Vermont.

While these are the most commonly offered auto insurance discounts in Vermont, you’ll need to check with your provider to see what they offer. For example, Nationwide and Allstate have some of the highest UBI discounts, while State Farm has one of the best driver’s education discounts.

Find the Best Auto Insurance Companies in Vermont Today

Getting cheap Vermont auto insurance isn’t usually difficult because the Green Mountain State boasts affordable rates. However, you should still look at a variety of companies to find the perfect policy for you. The best auto insurance companies in Vermont include Allstate, Geico, and Liberty Mutual, but you may find a better fit elsewhere.

Finding the best Vermont coverage is usually easy when you save money by comparing online auto insurance quotes, especially if you enter your ZIP code into our free comparison tool. Getting the best VT auto insurance quotes for you is a much safer option than driving without coverage.

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