- Average car insurance cost in Vermont is $1,052 per year, or $88 per month, for a full-coverage policy.
- Vermont ranks 2nd out of the 12 Northeast states for cheapest average car insurance cost and 7th out of all 50 U.S. states.
- For cheap car insurance in Vermont, the top choices are compact and midsize SUVs like the Subaru Forester, Honda CR-V, Mazda CX-3, Ford Edge, and Kia Sportage.
How much does average car insurance cost in Vermont?
The average cost of car insurance in Vermont is $1,052 per year for full coverage, which is 30.9% less than the U.S. average rate of $1,523. Average cost of car insurance per month in Vermont is $88.
The chart below shows annual car insurance cost in Vermont averaged for all 2021 model year vehicles. Rates are included for drivers age 20 through 60 and different policy deductible amounts.
The $500 deductible policy for a 40-year-old driver is the rate we use as our average, which costs $1,052 per year in Vermont, or about $88 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 $794 per year for a Honda CR-V up to $1,188 per year for a Jeep Cherokee, a range of $394 or 33.2%.
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 4.4% less than New Hampshire, 17.3% 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 $48 less per year than New Hampshire, $220 less than Massachusetts, and $630 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 7th overall for all 50 U.S. states. Only Maine has cheaper average car insurance quotes than Vermont in the Northeast.
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 24.4% cheaper than Washington, 48.6% cheaper than Florida, 38% cheaper than Nevada, and 37.2% 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 9.6% more expensive than Maine, 8% more than Virginia, 5% more than Iowa, 3.5% more than Idaho, 2.7% more than Ohio, and 1.9% 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?
Sitting at the top of our list of the 50 cheapest vehicles to insure in Vermont are the Subaru Forester and Honda CR-V. Those two compact SUV models cost an average of $784 and $794 per year to insure, respectively.
Other models to consider for cheap car insurance quotes are the Toyota C-HR at $832 per year, the Mazda CX-3 at $826 per year, the Kia Sportage at $834 per year, the Subaru CrossTrek at $858 per year, the Volvo XC40 at $870 per year, and the Subaru Impreza at $882 per year.
The table below ranks the 50 cheapest vehicles to insure in Vermont for the 2021 model year. All vehicle segments are eligible for this list, including luxury brands.
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 a close second.
On the opposite end of the cost spectrum, luxury cars, sports cars, and especially exotic performance cars have higher car insurance rates.
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 $1,006 per year and ranges from $832 to $2,278 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.
Toyota Tacoma insurance rates
Toyota Tacoma car insurance rates in Vermont range from $740 to $2,002 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $886 per year or $74 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.
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 $864 to $2,364 per year for the example driver risk profiles, with average cost being $1,040 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.
Nissan Rogue insurance rates
Average Nissan Rogue insurance rates in Vermont as shown in the chart below range from $786 to $2,144 per year, with the average cost being $946.
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.
Toyota Camry insurance rates
The average cost for Toyota Camry insurance in Vermont is $1,050 per year. The chart below shows rates for additional driver profiles with prices ranging from $872 to $2,388 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.
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.
- Burlington Car Insurance - $1,072 per year or $89 per month
- South Burlington Car Insurance - $1,056 per year or $88 per month
- Rutland Car Insurance - $1,058 per year or $88 per month
- Essex Junction Car Insurance - $1,068 per year or $89 per month
- Barre Car Insurance - $1,088 per year or $91 per month
