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 $2,042 per year for full coverage, which is 10.8% less than the U.S. average rate of $2,276. Average cost of car insurance per month in Vermont is $170.
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 October 24, 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
$3,478
$290
$500
$4,110
$343
$250
$4,780
$398
30
$1,000
$1,828
$152
$500
$2,180
$182
$250
$2,548
$212
40
$1,000
$1,716
$143
$500
$2,042
$170
$250
$2,380
$198
50
$1,000
$1,530
$128
$500
$1,812
$151
$250
$2,104
$175
60
$1,000
$1,436
$120
$500
$1,698
$142
$250
$1,970
$164
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 October 24, 2025
The $500 deductible policy for a 40-year-old driver is the rate we use as our average, which costs $2,042 per year in Vermont, or about $170 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 October 24, 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
$1,666
$139
Honda CR-V
$1,742
$145
Honda HR-V
$1,778
$148
Honda Civic
$1,810
$151
Nissan Rogue
$1,836
$153
Toyota Highlander
$1,858
$155
Ford Escape
$1,864
$155
Nissan Sentra
$1,872
$156
Toyota RAV4
$1,886
$157
Chevrolet Traverse
$1,908
$159
Honda Accord
$1,972
$164
Toyota Corolla
$1,992
$166
Hyundai Santa Fe
$2,066
$172
Toyota 4Runner
$2,190
$183
Toyota Camry
$2,196
$183
Hyundai Elantra
$2,220
$185
Chevrolet Silverado
$2,258
$188
Ford F150
$2,288
$191
Ram Truck
$2,364
$197
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 October 24, 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 4.9% more than New Hampshire, 26.9% less than Massachusetts, and 31.2% less than New York.
When comparing dollar figures instead of percentages, insuring the average car in Vermont will cost $98 more per year than New Hampshire, $634 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 October 24, 2025.
Average Car Insurance Cost in Vermont Compared to Northeast Region
Northeast Region States
Average Annual Premium
Cost Difference
Maine
$1,826
-$216
New Hampshire
$1,944
-$98
Vermont
$2,042
--
Maryland
$2,394
$352
Pennsylvania
$2,450
$408
Massachusetts
$2,676
$634
Connecticut
$2,716
$674
Delaware
$2,756
$714
New York
$2,796
$754
New Jersey
$2,886
$844
Rhode Island
$2,936
$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 October 24, 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% cheaper than Washington, 31% cheaper than Florida, 33.4% cheaper than Nevada, and 34.2% 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 $1,510 per year, the Chevrolet Trailblazer at $1,536 per year, and the Kia Soul at $1,596 per year.
Other models to consider for cheap car insurance quotes are the Hyundai Venue at an average annual cost of $1,660, the Mazda CX-5 at $1,666, and the Volkswagen Tiguan at $1,692 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 October 24, 2025
Top 50 cheapest vehicles to insure in Vermont with the Subaru Crosstrek ranking first at $1,510 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 October 24, 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
$1,878
$157
Midsize SUV
$2,016
$168
Compact Car
$2,018
$168
Minivan
$2,022
$169
Midsize Pickup
$2,062
$172
Midsize Car
$2,084
$174
Compact Luxury SUV
$2,214
$185
Compact Luxury Car
$2,246
$187
Large SUV
$2,256
$188
Half-ton Pickup
$2,264
$189
Heavy Duty Pickup
$2,348
$196
Midsize Luxury SUV
$2,428
$202
Midsize Luxury Car
$2,504
$209
Sports Car
$2,810
$234
Large Car
$2,938
$245
Large Luxury SUV
$3,162
$264
Large Luxury Car
$3,266
$272
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 October 24, 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 $2,288 per year and ranges from $1,896 to $5,278 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
$5,278
$440
Safe Driver Age 20
$4,622
$385
At-fault Accidents Age 40
$3,246
$271
Low Deductibles Age 40
$2,996
$250
Safe Driver Age 30
$2,440
$203
Safe Driver Age 40
$2,288
$191
Safe Driver Age 50
$2,024
$169
High Deductibles Age 40
$1,922
$160
Safe Driver Age 60
$1,896
$158
Discount Rate Age 40
$1,896
$158
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 October 24, 2025
Toyota Tacoma insurance rates
Toyota Tacoma car insurance rates in Vermont range from $1,716 to $4,790 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $2,070 per year or $173 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
$4,790
$399
Safe Driver Age 20
$4,186
$349
At-fault Accidents Age 40
$2,952
$246
Low Deductibles Age 40
$2,662
$222
Safe Driver Age 30
$2,200
$183
Safe Driver Age 40
$2,070
$173
Safe Driver Age 50
$1,840
$153
High Deductibles Age 40
$1,766
$147
Safe Driver Age 60
$1,722
$144
Discount Rate Age 40
$1,716
$143
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 October 24, 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 $1,556 to $4,254 per year for the example driver risk profiles, with average cost being $1,872 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
$4,254
$355
Safe Driver Age 20
$3,700
$308
At-fault Accidents Age 40
$2,650
$221
Low Deductibles Age 40
$2,368
$197
Safe Driver Age 30
$1,986
$166
Safe Driver Age 40
$1,872
$156
Safe Driver Age 50
$1,676
$140
High Deductibles Age 40
$1,612
$134
Safe Driver Age 60
$1,562
$130
Discount Rate Age 40
$1,556
$130
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 October 24, 2025
Nissan Rogue insurance rates
Average Nissan Rogue insurance rates in Vermont as shown in the chart below range from $1,526 to $4,198 per year, with the average cost being $1,836.
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
$4,198
$350
Safe Driver Age 20
$3,662
$305
At-fault Accidents Age 40
$2,598
$217
Low Deductibles Age 40
$2,362
$197
Safe Driver Age 30
$1,954
$163
Safe Driver Age 40
$1,836
$153
Safe Driver Age 50
$1,634
$136
High Deductibles Age 40
$1,564
$130
Safe Driver Age 60
$1,528
$127
Discount Rate Age 40
$1,526
$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 Rogue trim levels. Updated October 24, 2025
Toyota Camry insurance rates
The average cost for Toyota Camry insurance in Vermont is $2,196 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,824 to $5,046 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
$5,046
$421
Safe Driver Age 20
$4,422
$369
At-fault Accidents Age 40
$3,096
$258
Low Deductibles Age 40
$2,914
$243
Safe Driver Age 30
$2,348
$196
Safe Driver Age 40
$2,196
$183
Safe Driver Age 50
$1,940
$162
High Deductibles Age 40
$1,826
$152
Discount Rate Age 40
$1,824
$152
Safe Driver Age 60
$1,816
$151
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 October 24, 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.
