Vermont Car Insurance Cost for 2022

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 $1,012 per year for full coverage, which is 34.8% less than the U.S. average rate of $1,551. Average cost of car insurance per month in Vermont is $84.

The chart below shows annual car insurance cost in Vermont averaged for all 2022 model year vehicles. Rates are included for drivers age 20 through 60 and different policy deductible amounts.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Vermont car insurance rates for 2022 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 May 19, 2022
Average Car Insurance Cost in Vermont
Average Car Insurance Cost in Vermont
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,702$142
$500$2,006$167
$250$2,324$194
30$1,000$894$75
$500$1,064$89
$250$1,240$103
40$1,000$856$71
$500$1,012$84
$250$1,174$98
50$1,000$780$65
$500$920$77
$250$1,066$89
60$1,000$766$64
$500$904$75
$250$1,046$87

The $500 deductible policy for a 40-year-old driver is the rate we use as our average, which costs $1,012 per year in Vermont, or about $84 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.

For the 20 popular models in the chart below, average Vermont car insurance quotes range from $884 per year for a Honda CR-V up to $1,124 per year for a Jeep Cherokee, a range of $240.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Vermont car insurance cost is based on 2022 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 March 24, 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$768$64
Honda CR-V$884$74
Honda HR-V$908$76
Toyota RAV4$954$80
Ford F150$978$82
Toyota 4Runner$986$82
Nissan Sentra$988$82
Nissan Rogue$992$83
Toyota Camry$994$83
Toyota Corolla$994$83
Ford Escape$996$83
Honda Civic$1,000$83
Toyota Highlander$1,018$85
Chevrolet Traverse$1,042$87
Hyundai Santa Fe$1,056$88
Honda Accord$1,058$88
Chevrolet Silverado$1,088$91
Jeep Cherokee$1,124$94
Hyundai Elantra$1,138$95
Ram Truck$1,154$96

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 the top five cheapest 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 10% less than New Hampshire, 18.8% less than Massachusetts, and 37.5% less than New York.

When comparing dollar figures instead of percentages, insuring the average car in Vermont will cost $92 less per year than New Hampshire, $234 less than Massachusetts, and $608 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 2nd in the Northeast for car insurance affordability and an impressive 5th overall for all 50 U.S. states. Only New Hampshire has cheaper average car insurance quotes than Vermont in the Northeast.

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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
New Hampshire$920-$92
Vermont$1,012--
Maine$1,054$42
Massachusetts$1,246$234
Pennsylvania$1,282$270
Maryland$1,374$362
New Jersey$1,438$426
Connecticut$1,476$464
Delaware$1,550$538
New York$1,620$608
Rhode Island$1,796$784

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 31.8% cheaper than Washington, 54.6% cheaper than Florida, 39.5% cheaper than Nevada, and 42% cheaper than California.

Even though rates in Vermont are very good, there are six states that have cheaper average car insurance rates. Average Vermont car insurance cost is 4% more expensive than Maine, 3.1% more than Virginia, 8.2% more than Iowa, 15.9% more than Idaho, 14% more than Ohio, and 4.8% more than North Carolina.

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 Mazda CX-5 at an average cost of $768 per year, the Nissan Kicks at $788 per year, and the Chevrolet Trailblazer at $792 per year.

Other models to consider for cheap car insurance quotes are the Buick Encore at an average annual cost of $834, the Nissan Rogue Sport at $842, and the Buick Envision at $862 per year.

The table below ranks the 50 cheapest vehicles to insure in Vermont for the 2022 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
1Mazda CX-5$768$64
2Nissan Kicks$788$66
3Chevrolet Trailblazer$792$66
4Honda Passport$810$68
5Subaru Crosstrek$812$68
6Chevrolet Colorado$832$69
7Buick Encore$834$70
8Toyota C-HR$836$70
9Nissan Rogue Sport$842$70
10Hyundai Venue$860$72
11Buick Envision$862$72
12Kia Seltos$862$72
13Ford Maverick$866$72
14Subaru Ascent$866$72
15Acura RDX$868$72
16Toyota Corolla Cross$868$72
17Hyundai Kona$874$73
18Subaru Forester$874$73
19Mazda MX-5 Miata$876$73
20Volkswagen Tiguan$876$73
21Subaru Impreza$878$73
22Chevrolet Spark$880$73
23Honda CR-V$884$74
24Cadillac XT4$888$74
25Mazda CX-30$892$74
26Ford Ranger$898$75
27Honda HR-V$908$76
28Ford Edge$912$76
29Ford Ecosport$918$77
30Subaru Outback$926$77
31Chevrolet Trax$928$77
32Acura ILX$930$78
33GMC Terrain$930$78
34Mitsubishi Eclipse Cross$932$78
35Nissan Murano$938$78
36Toyota Tacoma$938$78
37Honda Odyssey$942$79
38Hyundai Tucson$942$79
39Chevrolet Bolt$944$79
40Toyota Venza$944$79
41Chevrolet Equinox$946$79
42Ford Explorer$950$79
43Volkswagen Taos$950$79
44Fiat 500X$952$79
45Toyota RAV4$954$80
46Kia Sorento$956$80
47Kia Soul$958$80
48Nissan Frontier$964$80
49GMC Canyon$968$81
50Hyundai Palisade$970$81

    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 March 24, 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 (excluding utility vans), with midsize trucks like the Toyota Tacoma, Ford Ranger, and Chevy Colorado coming in close behind.

    On the opposite end of the cost spectrum, luxury cars, sports cars, and especially exotic performance 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 2022 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 April 12, 2022
    Vermont Car Insurance Rates by Vehicle Segment
    Vermont Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$944$79
    Midsize Pickup$968$81
    Minivan$1,016$85
    Midsize SUV$1,022$85
    Compact Car$1,042$87
    Midsize Car$1,054$88
    Half-ton Pickup$1,098$92
    Compact Luxury SUV$1,138$95
    Large SUV$1,140$95
    Compact Luxury Car$1,146$96
    Large Car$1,170$98
    Heavy Duty Pickup$1,204$100
    Midsize Luxury SUV$1,220$102
    Midsize Luxury Car$1,338$112
    Sports Car$1,426$119
    Large Luxury SUV$1,526$127
    Large Luxury Car$1,598$133

    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 $978 per year and ranges from $812 to $2,210 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 2022 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 May 19, 2022
    Ford F-150 Insurance Cost in Vermont
    Ford F150 Insurance Cost in Vermont
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,210$184
    Safe Driver Age 20$1,938$162
    At-fault Accidents Age 40$1,378$115
    Low Deductibles Age 40$1,264$105
    Safe Driver Age 30$1,028$86
    Safe Driver Age 40$978$82
    Safe Driver Age 50$890$74
    Safe Driver Age 60$874$73
    High Deductibles Age 40$832$69
    Discount Rate Age 40$812$68

    Toyota Tacoma insurance rates

    Toyota Tacoma car insurance rates in Vermont range from $780 to $2,136 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $938 per year or $78 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 2022 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 May 19, 2022
    Toyota Tacoma Insurance Cost in Vermont
    Toyota Tacoma Insurance Cost in Vermont
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,136$178
    Safe Driver Age 20$1,872$156
    At-fault Accidents Age 40$1,322$110
    Low Deductibles Age 40$1,234$103
    Safe Driver Age 30$992$83
    Safe Driver Age 40$938$78
    Safe Driver Age 50$856$71
    Safe Driver Age 60$840$70
    High Deductibles Age 40$786$66
    Discount Rate Age 40$780$65

    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 $818 to $2,208 per year for the example driver risk profiles, with average cost being $988 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 2022 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 May 19, 2022
    Nissan Sentra Insurance Cost in Vermont
    Nissan Sentra Insurance Cost in Vermont
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,208$184
    Safe Driver Age 20$1,936$161
    At-fault Accidents Age 40$1,388$116
    Low Deductibles Age 40$1,246$104
    Safe Driver Age 30$1,032$86
    Safe Driver Age 40$988$82
    Safe Driver Age 50$898$75
    Safe Driver Age 60$878$73
    High Deductibles Age 40$850$71
    Discount Rate Age 40$818$68

    Nissan Rogue insurance rates

    Average Nissan Rogue insurance rates in Vermont as shown in the chart below range from $822 to $2,244 per year, with the average cost being $992.

    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 2022 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 May 19, 2022
    Nissan Rogue Insurance Cost in Vermont
    Nissan Rogue Insurance Cost in Vermont
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,244$187
    Safe Driver Age 20$1,968$164
    At-fault Accidents Age 40$1,400$117
    Low Deductibles Age 40$1,278$107
    Safe Driver Age 30$1,038$87
    Safe Driver Age 40$992$83
    Safe Driver Age 50$902$75
    Safe Driver Age 60$884$74
    High Deductibles Age 40$844$70
    Discount Rate Age 40$822$69

    Toyota Camry insurance rates

    The average cost for Toyota Camry insurance in Vermont is $994 per year. The chart below shows rates for additional driver profiles with prices ranging from $826 to $2,252 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 2022 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 May 19, 2022
    Toyota Camry Insurance Cost in Vermont
    Toyota Camry Insurance Cost in Vermont
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,252$188
    Safe Driver Age 20$1,972$164
    At-fault Accidents Age 40$1,396$116
    Low Deductibles Age 40$1,300$108
    Safe Driver Age 30$1,050$88
    Safe Driver Age 40$994$83
    Safe Driver Age 50$906$76
    Safe Driver Age 60$890$74
    High Deductibles Age 40$838$70
    Discount Rate Age 40$826$69

    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.