For cheap car insurance in Vermont, the top choices are compact and midsize SUVs like the Chevrolet Trailblazer, Kia Soul, Hyundai Venue, and Honda CR-V.
How much does average car insurance cost in Vermont?
The average cost of car insurance in Vermont is $1,998 per year for full coverage, which is 10.6% less than the U.S. average rate of $2,221. Average cost of car insurance per month in Vermont is $167.
The chart below shows annual car insurance cost in Vermont averaged for all 2024 model year vehicles. Rates are included for drivers age 20 through 60 and different policy deductible amounts.
Figure 1: Average full-coverage car insurance premium in Vermont for different ages of drivers. Rates updated on June 27, 2025.
Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Vermont Zip Codes.
Average Car Insurance Cost in Vermont
Driver Age
Deductible
Annual Premium
Cost Per Month
20
$1,000
$3,406
$284
$500
$4,022
$335
$250
$4,678
$390
30
$1,000
$1,786
$149
$500
$2,132
$178
$250
$2,492
$208
40
$1,000
$1,682
$140
$500
$1,998
$167
$250
$2,330
$194
50
$1,000
$1,500
$125
$500
$1,774
$148
$250
$2,058
$172
60
$1,000
$1,402
$117
$500
$1,660
$138
$250
$1,928
$161
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Vermont Zip Codes. Updated June 27, 2025
The $500 deductible policy for a 40-year-old driver is the rate we use as our average, which costs $1,998 per year in Vermont, or about $167 per month. As demonstrated by the chart, auto insurance gets cheaper as you get older, and a the lower your deductible are, the higher the cost.
There are a lot of factors that determine the cost of car insurance, but one of the largest is the type of vehicle you insure. The chart below demonstrates some of the variability inherent in car insurance based solely on the make and model of vehicle.
Figure 2: Average cost to insure popular 2024 model year vehicles in Vermont. Rates updated on June 27, 2025.
Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Vermont Zip Codes.
Average Vermont Car Insurance Rates for Popular Vehicles
Make/Model
Annual Premium
Cost Per Month
Mazda CX-5
$1,632
$136
Honda CR-V
$1,706
$142
Honda HR-V
$1,740
$145
Honda Civic
$1,770
$148
Nissan Rogue
$1,798
$150
Toyota Highlander
$1,820
$152
Ford Escape
$1,824
$152
Nissan Sentra
$1,832
$153
Toyota RAV4
$1,844
$154
Chevrolet Traverse
$1,866
$156
Honda Accord
$1,930
$161
Toyota Corolla
$1,948
$162
Hyundai Santa Fe
$2,034
$170
Toyota 4Runner
$2,144
$179
Toyota Camry
$2,150
$179
Hyundai Elantra
$2,172
$181
Chevrolet Silverado
$2,212
$184
Ford F150
$2,236
$186
Ram Truck
$2,310
$193
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Vermont Zip Codes. Updated June 27, 2025
Later in this article, we rank the 50 cheapest cars, trucks, and SUVs to insure in the state of Vermont. Out of the 20 popular vehicles in the chart above, only a handful of models make it into the list of the cheapest vehicles to insure.
How does Vermont car insurance cost compare?
When compared to neighboring states, average Vermont car insurance rates are 5.1% more than New Hampshire, 27.5% less than Massachusetts, and 31.7% less than New York.
When comparing dollar figures instead of percentages, insuring the average car in Vermont will cost $100 more per year than New Hampshire, $636 less than Massachusetts, and $754 less than New York.
The chart below shows how average Vermont car insurance cost compares to the rest of the states in the Northeast region. Vermont ranks third in the Northeast for car insurance affordability and 10th overall for all 50 U.S. states.
Figure 3: Average cost of car insurance in Vermont compared to other Northeast region states. Rates updated on June 27, 2025.
Average Car Insurance Cost in Vermont Compared to Northeast Region
Northeast Region States
Average Annual Premium
Cost Difference
Maine
$1,784
-$214
New Hampshire
$1,898
-$100
Vermont
$1,998
--
Maryland
$2,352
$354
Pennsylvania
$2,406
$408
Massachusetts
$2,634
$636
Connecticut
$2,674
$676
Delaware
$2,716
$718
New York
$2,752
$754
New Jersey
$2,844
$846
Rhode Island
$2,892
$894
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Vermont Zip Codes. Updated June 27, 2025
Since Vermont ranks in the top 10 for cheapest car insurance rates in the U.S, it compares very favorably to states in other areas of the country.
When compared to some of the states with more expensive car insurance, the average cost in Vermont is 14.2% cheaper than Washington, 31.8% cheaper than Florida, 34.1% cheaper than Nevada, and 34.9% cheaper than California.
Overall, car insurance is very affordable in Vermont. Obviously the type of vehicle you are insuring has a big impact, along with factors like your driving record, your age, and many other details. Next, we look at the vehicles that have the cheapest car insurance in Vermont.
What are the cheapest vehicles to insure in Vermont?
The top three cheapest vehicles to insure in Vermont are the Subaru Crosstrek at an average cost of $1,478 per year, the Chevrolet Trailblazer at $1,502 per year, and the Kia Soul at $1,560 per year.
Other models to consider for cheap car insurance quotes are the Hyundai Venue at an average annual cost of $1,624, the Mazda CX-5 at $1,632, and the Volkswagen Tiguan at $1,656 per year.
The table below ranks the 50 cheapest vehicles to insure in Vermont for the 2024 model year. All vehicle segments are eligible for this list, including luxury brands.
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Vermont Zip Codes. Updated June 26, 2025
Top 50 cheapest vehicles to insure in Vermont with the Subaru Crosstrek ranking first at $1,478 per year
Vermont car insurance cost by automotive segment
The chart below shows the average cost of car insurance in Vermont broken out by vehicle segment. As a whole, compact SUVs tend to have the cheapest rates with midsize trucks like the Toyota Tacoma, Ford Ranger, and Chevy Colorado coming in close behind.
On the opposite end of the cost spectrum, large luxury cars and high-performance sports cars have higher car insurance rates.
Figure 4: Car insurance average cost by automotive segment in Vermont. Rates updated on June 27, 2025.
Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Vermont Zip Codes.
Car Insurance Rates by Automotive Segment in Vermont
Automotive Segment
Annual Premium
Cost Per Month
Compact SUV
$1,836
$153
Midsize SUV
$1,974
$165
Compact Car
$1,974
$165
Minivan
$1,980
$165
Midsize Pickup
$2,018
$168
Midsize Car
$2,038
$170
Compact Luxury SUV
$2,168
$181
Compact Luxury Car
$2,200
$183
Large SUV
$2,208
$184
Half-ton Pickup
$2,216
$185
Heavy Duty Pickup
$2,300
$192
Midsize Luxury SUV
$2,374
$198
Midsize Luxury Car
$2,452
$204
Sports Car
$2,746
$229
Large Car
$2,878
$240
Large Luxury SUV
$3,094
$258
Large Luxury Car
$3,200
$267
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Vermont Zip Codes. Updated June 27, 2025
Average car insurance rates are great, but…
When making comparisons between two vehicles or two different vehicle segments, average rates are a good metric to use. But when drilling down to specific models, it’s important to understand the variability that is inherent in car insurance rates.
The next sections take some of the most popular vehicles in Vermont and show some of the cost ranges that are possible when insuring them. Each model has rates for high risk drivers, safe drivers, drivers of different ages, and more, so you can get a feel for how variable rates can be.
By taking these different risk profiles and putting them into a single chart, it reinforces the importance of getting actual car insurance quotes in order to refine and zero in on your exact rate with each company you are considering.
Ford F-150 insurance rates
Ford F-150 insurance in Vermont costs an average of $2,236 per year and ranges from $1,856 to $5,164 per year for the sample driver risk profiles shown in the chart below.
Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Vermont includes all Zip Codes and vehicle trim levels.
2024 Ford F150 Insurance Cost in Vermont
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,164
$430
Safe Driver Age 20
$4,522
$377
At-fault Accidents Age 40
$3,174
$265
Low Deductibles Age 40
$2,932
$244
Safe Driver Age 30
$2,386
$199
Safe Driver Age 40
$2,236
$186
Safe Driver Age 50
$1,982
$165
High Deductibles Age 40
$1,880
$157
Safe Driver Age 60
$1,856
$155
Discount Rate Age 40
$1,856
$155
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 27, 2025
Toyota Tacoma insurance rates
Toyota Tacoma car insurance rates in Vermont range from $1,678 to $4,686 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $2,026 per year or $169 per month in Vermont.
Data Methodology: Average rates are for a 2024 model year Toyota Tacoma with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Tacoma car insurance cost in Vermont includes all Zip Codes and vehicle trim levels.
2024 Toyota Tacoma Insurance Cost in Vermont
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,686
$391
Safe Driver Age 20
$4,096
$341
At-fault Accidents Age 40
$2,890
$241
Low Deductibles Age 40
$2,604
$217
Safe Driver Age 30
$2,152
$179
Safe Driver Age 40
$2,026
$169
Safe Driver Age 50
$1,802
$150
High Deductibles Age 40
$1,728
$144
Safe Driver Age 60
$1,684
$140
Discount Rate Age 40
$1,678
$140
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Tacoma trim levels. Updated June 27, 2025
Nissan Sentra insurance rates
The chart below shows average Nissan Sentra insurance rates in Vermont for different driver ages and risk profiles. Annual cost ranges from $1,520 to $4,164 per year for the example driver risk profiles, with average cost being $1,832 per year.
Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Vermont includes all Zip Codes and vehicle trim levels.
2024 Nissan Sentra Insurance Cost in Vermont
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,164
$347
Safe Driver Age 20
$3,622
$302
At-fault Accidents Age 40
$2,594
$216
Low Deductibles Age 40
$2,316
$193
Safe Driver Age 30
$1,944
$162
Safe Driver Age 40
$1,832
$153
Safe Driver Age 50
$1,640
$137
High Deductibles Age 40
$1,578
$132
Safe Driver Age 60
$1,528
$127
Discount Rate Age 40
$1,520
$127
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 27, 2025
Nissan Rogue insurance rates
Average Nissan Rogue insurance rates in Vermont as shown in the chart below range from $1,492 to $4,106 per year, with the average cost being $1,798.
Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Vermont includes all Zip Codes and vehicle trim levels.
2024 Nissan Rogue Insurance Cost in Vermont
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,106
$342
Safe Driver Age 20
$3,582
$299
At-fault Accidents Age 40
$2,542
$212
Low Deductibles Age 40
$2,310
$193
Safe Driver Age 30
$1,914
$160
Safe Driver Age 40
$1,798
$150
Safe Driver Age 50
$1,600
$133
High Deductibles Age 40
$1,528
$127
Safe Driver Age 60
$1,496
$125
Discount Rate Age 40
$1,492
$124
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 26, 2025
Toyota Camry insurance rates
The average cost for Toyota Camry insurance in Vermont is $2,150 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,784 to $4,940 per year.
Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Vermont includes all Zip Codes and vehicle trim levels.
2024 Toyota Camry Insurance Cost in Vermont
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,940
$412
Safe Driver Age 20
$4,328
$361
At-fault Accidents Age 40
$3,032
$253
Low Deductibles Age 40
$2,854
$238
Safe Driver Age 30
$2,298
$192
Safe Driver Age 40
$2,150
$179
Safe Driver Age 50
$1,896
$158
High Deductibles Age 40
$1,790
$149
Discount Rate Age 40
$1,784
$149
Safe Driver Age 60
$1,778
$148
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 27, 2025
Vermont car insurance cost by city
Shown in the list below are some of the larger cities in Vermont and their average annual and monthly car insurance rates. Visit any city page to view detailed rate information, including average cost by automotive segment, rates for different driver profiles, and the vehicles with the cheapest car insurance quotes in each city.
