Vermont Car Insurance Cost for 2023

How much does auto insurance cost in Vermont? We compare average rates and find the autos with the cheapest car insurance quotes in Vermont.

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How much does average car insurance cost in Vermont?

The average cost of car insurance in Vermont is $1,280 per year for full coverage, which is 24% less than the U.S. average rate of $1,685. Average cost of car insurance per month in Vermont is $107.

The chart below shows annual car insurance cost in Vermont averaged for all 2023 model year vehicles. Rates are included for drivers age 20 through 60 and different policy deductible amounts.

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Chart Data Details: Chart shows average Vermont car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Vermont zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Vermont
Average Car Insurance Cost in Vermont
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,160$180
$500$2,552$213
$250$2,966$247
30$1,000$1,132$94
$500$1,350$113
$250$1,580$132
40$1,000$1,080$90
$500$1,280$107
$250$1,490$124
50$1,000$988$82
$500$1,170$98
$250$1,356$113
60$1,000$970$81
$500$1,148$96
$250$1,332$111

The $500 deductible policy for a 40-year-old driver is the rate we use as our average, which costs $1,280 per year in Vermont, or about $107 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.

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Chart Data Details: Average Vermont car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Vermont Zip Codes.Data last updated on December 30, 2022
Average Vermont Car Insurance Rates for Popular Vehicles
Average Vermont Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Mazda CX-5$1,008$84
Honda HR-V$1,068$89
Honda CR-V$1,088$91
Ford Escape$1,176$98
Nissan Rogue$1,180$98
Toyota RAV4$1,188$99
Nissan Sentra$1,192$99
Toyota 4Runner$1,202$100
Toyota Corolla$1,204$100
Toyota Camry$1,218$102
Chevrolet Traverse$1,224$102
Honda Civic$1,254$105
Toyota Highlander$1,282$107
Honda Accord$1,296$108
Ford F150$1,304$109
Hyundai Santa Fe$1,316$110
Jeep Cherokee$1,392$116
Hyundai Elantra$1,400$117
Ram Truck$1,400$117
Chevrolet Silverado$1,404$117

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 8.3% more than New Hampshire, 33.4% less than Massachusetts, and 37.3% 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, $642 less than Massachusetts, and $762 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.

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Vermont Car Insurance Cost Compared to Northeast Region
Average Car Insurance Cost in Vermont Compared to Northeast Region
Northeast Region States Average Insurance Cost Annual Difference
Maine$1,062-$218
New Hampshire$1,182-$98
Vermont$1,280--
Maryland$1,638$358
Pennsylvania$1,694$414
Massachusetts$1,922$642
Connecticut$1,966$686
Delaware$2,008$728
New York$2,042$762
New Jersey$2,136$856
Rhode Island$2,186$906

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 19.8% cheaper than Washington, 41.7% cheaper than Florida, 39.3% cheaper than Nevada, and 40% 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 Chevrolet Trailblazer at an average cost of $970 per year, the Subaru Crosstrek at $978 per year, and the Nissan Kicks at $982 per year.

Other models to consider for cheap car insurance quotes are the Buick Envision at an average annual cost of $1,024, the Kia Seltos at $1,040, and the Hyundai Venue at $1,048 per year.

The table below ranks the 50 cheapest vehicles to insure in Vermont for the 2023 model year. All vehicle segments are eligible for this list, including luxury brands.

Top 50 Cheapest Vehicles to Insure in Vermont
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$970$81
2Subaru Crosstrek$978$82
3Nissan Kicks$982$82
4Honda Passport$998$83
5Nissan Rogue Sport$1,000$83
6Mazda CX-5$1,008$84
7Buick Encore$1,024$85
8Buick Envision$1,024$85
9Kia Seltos$1,040$87
10Subaru Ascent$1,042$87
11Hyundai Venue$1,048$87
12Subaru Impreza$1,062$89
13Ford Maverick$1,064$89
14Chevrolet Colorado$1,068$89
15Honda HR-V$1,068$89
16Acura RDX$1,070$89
17Hyundai Kona$1,076$90
18Subaru Forester$1,082$90
19Ford Edge$1,086$91
20Honda CR-V$1,088$91
21Mazda CX-30$1,090$91
22Ford Explorer$1,092$91
23Volkswagen Atlas$1,094$91
24Chevrolet Trax$1,102$92
25Nissan Murano$1,102$92
26Subaru Outback$1,102$92
27Nissan Frontier$1,108$92
28Volkswagen Tiguan$1,114$93
29Ford Bronco Sport$1,116$93
30Fiat 500X$1,138$95
31Ford Ranger$1,138$95
32GMC Terrain$1,138$95
33Kia Soul$1,142$95
34Mitsubishi Eclipse Cross$1,142$95
35Volkswagen Atlas Cross Sport$1,144$95
36Lexus RX 350$1,148$96
37Acura Integra$1,152$96
38Chevrolet Equinox$1,154$96
39Cadillac XT4$1,158$97
40Toyota Corolla Cross$1,158$97
41Volkswagen Taos$1,162$97
42GMC Canyon$1,164$97
43Mazda CX-50$1,170$98
44Toyota Venza$1,170$98
45Honda Odyssey$1,172$98
46Toyota Tacoma$1,172$98
47Volkswagen Jetta$1,172$98
48Hyundai Tucson$1,174$98
49Ford Escape$1,176$98
50Kia Sorento$1,176$98

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Vermont.Data last updated on December 30, 2022
    Top 50 Cheapest Vehicles to Insure in Vermont

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Vermont car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Vermont Zip Codes.Data last updated on December 29, 2022
    Vermont Car Insurance Rates by Vehicle Segment
    Vermont Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,168$97
    Midsize Pickup$1,212$101
    Midsize SUV$1,252$104
    Minivan$1,256$105
    Compact Car$1,276$106
    Midsize Car$1,308$109
    Compact Luxury SUV$1,388$116
    Half-ton Pickup$1,392$116
    Large SUV$1,400$117
    Compact Luxury Car$1,412$118
    Heavy Duty Pickup$1,474$123
    Large Car$1,492$124
    Midsize Luxury SUV$1,492$124
    Midsize Luxury Car$1,632$136
    Sports Car$1,754$146
    Large Luxury SUV$1,884$157
    Large Luxury Car$1,980$165

    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 $1,304 per year and ranges from $1,082 to $2,938 per year for the sample driver risk profiles shown in the chart below.

    The Ford F-150 is considered a full-size truck, and other popular models include the Chevrolet Silverado, Toyota Tundra, Ram Truck, GMC Sierra, and Nissan Titan.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 30, 2022
    Ford F-150 Insurance Cost in Vermont
    2023 Ford F150 Insurance Cost in Vermont
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,938$245
    Safe Driver Age 20$2,574$215
    At-fault Accidents Age 40$1,832$153
    Low Deductibles Age 40$1,696$141
    Safe Driver Age 30$1,374$115
    Safe Driver Age 40$1,304$109
    Safe Driver Age 50$1,184$99
    Safe Driver Age 60$1,164$97
    High Deductibles Age 40$1,100$92
    Discount Rate Age 40$1,082$90

    Toyota Tacoma insurance rates

    Toyota Tacoma car insurance rates in Vermont range from $974 to $2,656 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $1,172 per year or $98 per month in Vermont.

    The Toyota Tacoma belongs to the midsize truck segment, and other popular models include the Chevrolet Colorado, Nissan Frontier, Honda Ridgeline, GMC Canyon, and Ford Ranger.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 29, 2022
    Toyota Tacoma Insurance Cost in Vermont
    2023 Toyota Tacoma Insurance Cost in Vermont
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,656$221
    Safe Driver Age 20$2,326$194
    At-fault Accidents Age 40$1,652$138
    Low Deductibles Age 40$1,522$127
    Safe Driver Age 30$1,232$103
    Safe Driver Age 40$1,172$98
    Safe Driver Age 50$1,070$89
    Safe Driver Age 60$1,050$88
    High Deductibles Age 40$992$83
    Discount Rate Age 40$974$81

    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 $990 to $2,660 per year for the example driver risk profiles, with average cost being $1,192 per year.

    The Nissan Sentra is a compact car and other similar models include the Volkswagen Jetta, Chevrolet Cruze, Hyundai Elantra, Toyota Corolla, and Honda Civic.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 30, 2022
    Nissan Sentra Insurance Cost in Vermont
    2023 Nissan Sentra Insurance Cost in Vermont
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,660$222
    Safe Driver Age 20$2,332$194
    At-fault Accidents Age 40$1,676$140
    Low Deductibles Age 40$1,502$125
    Safe Driver Age 30$1,244$104
    Safe Driver Age 40$1,192$99
    Safe Driver Age 50$1,082$90
    Safe Driver Age 60$1,060$88
    High Deductibles Age 40$1,028$86
    Discount Rate Age 40$990$83

    Nissan Rogue insurance rates

    Average Nissan Rogue insurance rates in Vermont as shown in the chart below range from $980 to $2,678 per year, with the average cost being $1,180.

    The Nissan Rogue is considered a compact SUV, and other models in this segment include the Mazda CX-5, Chevrolet Equinox, Subaru Forester, Ford Escape, and Honda CR-V.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 30, 2022
    Nissan Rogue Insurance Cost in Vermont
    2023 Nissan Rogue Insurance Cost in Vermont
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,678$223
    Safe Driver Age 20$2,342$195
    At-fault Accidents Age 40$1,670$139
    Low Deductibles Age 40$1,518$127
    Safe Driver Age 30$1,238$103
    Safe Driver Age 40$1,180$98
    Safe Driver Age 50$1,076$90
    Safe Driver Age 60$1,054$88
    High Deductibles Age 40$1,006$84
    Discount Rate Age 40$980$82

    Toyota Camry insurance rates

    The average cost for Toyota Camry insurance in Vermont is $1,218 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,016 to $2,762 per year.

    The Toyota Camry is a midsize car and other vehicles in this segment include the Nissan Altima, Chevrolet Malibu, Kia K5, Honda Accord, and Hyundai Sonata.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 30, 2022
    Toyota Camry Insurance Cost in Vermont
    2023 Toyota Camry Insurance Cost in Vermont
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,762$230
    Safe Driver Age 20$2,422$202
    At-fault Accidents Age 40$1,716$143
    Low Deductibles Age 40$1,594$133
    Safe Driver Age 30$1,286$107
    Safe Driver Age 40$1,218$102
    Safe Driver Age 50$1,108$92
    Safe Driver Age 60$1,090$91
    High Deductibles Age 40$1,026$86
    Discount Rate Age 40$1,016$85

    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.