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 27.3% 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.
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 May 5, 2023
Average Car Insurance Cost in Vermont | Driver Age | Deductible | Annual Cost | Monthly Cost |
| 20 | $1,000 | $2,160 | $180 |
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| $500 | $2,552 | $213 |
| $250 | $2,966 | $247 |
| 30 | $1,000 | $1,132 | $94 |
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| $500 | $1,350 | $113 |
| $250 | $1,580 | $132 |
| 40 | $1,000 | $1,080 | $90 |
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| $500 | $1,280 | $107 |
| $250 | $1,490 | $124 |
| 50 | $1,000 | $988 | $82 |
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| $500 | $1,170 | $98 |
| $250 | $1,356 | $113 |
| 60 | $1,000 | $970 | $81 |
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| $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.
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 May 5, 2023
Average Vermont Car Insurance Rates for Popular Vehicles | Make/Model | Annual Rate | Monthly Rate |
| Mazda CX-5 | $1,008 | $84 |
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| Honda HR-V | $1,068 | $89 |
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| Honda CR-V | $1,088 | $91 |
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| Ford Escape | $1,176 | $98 |
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| Nissan Rogue | $1,180 | $98 |
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| Toyota RAV4 | $1,188 | $99 |
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| Nissan Sentra | $1,192 | $99 |
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| Toyota 4Runner | $1,202 | $100 |
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| Toyota Corolla | $1,204 | $100 |
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| Toyota Camry | $1,218 | $102 |
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| Chevrolet Traverse | $1,224 | $102 |
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| Honda Civic | $1,254 | $105 |
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| Toyota Highlander | $1,282 | $107 |
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| Honda Accord | $1,296 | $108 |
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| Ford F150 | $1,304 | $109 |
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| Hyundai Santa Fe | $1,316 | $110 |
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| Jeep Cherokee | $1,392 | $116 |
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| Hyundai Elantra | $1,400 | $117 |
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| Ram Truck | $1,400 | $117 |
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| Chevrolet Silverado | $1,404 | $117 |
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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% more than New Hampshire, 40.1% less than Massachusetts, and 45.9% 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.
Average Car Insurance Cost in Vermont Compared to Northeast Region | Northeast Region States | Average Insurance Cost | Annual Difference |
| Maine | $1,062 | -$218 |
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| New Hampshire | $1,182 | -$98 |
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| Vermont | $1,280 | -- |
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| Maryland | $1,638 | $358 |
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| Pennsylvania | $1,694 | $414 |
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| Massachusetts | $1,922 | $642 |
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| Connecticut | $1,966 | $686 |
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| Delaware | $2,008 | $728 |
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| New York | $2,042 | $762 |
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| New Jersey | $2,136 | $856 |
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| Rhode Island | $2,186 | $906 |
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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 22% cheaper than Washington, 52.7% cheaper than Florida, 49% cheaper than Nevada, and 50% 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 |
| 1 | Chevrolet Trailblazer | $970 | $81 |
| 2 | Subaru Crosstrek | $978 | $82 |
| 3 | Nissan Kicks | $982 | $82 |
| 4 | Honda Passport | $998 | $83 |
| 5 | Nissan Rogue Sport | $1,000 | $83 |
| 6 | Mazda CX-5 | $1,008 | $84 |
| 7 | Buick Encore | $1,024 | $85 |
| 8 | Buick Envision | $1,024 | $85 |
| 9 | Kia Seltos | $1,040 | $87 |
| 10 | Subaru Ascent | $1,042 | $87 |
| 11 | Hyundai Venue | $1,048 | $87 |
| 12 | Subaru Impreza | $1,062 | $89 |
| 13 | Ford Maverick | $1,064 | $89 |
| 14 | Chevrolet Colorado | $1,068 | $89 |
| 15 | Honda HR-V | $1,068 | $89 |
| 16 | Acura RDX | $1,070 | $89 |
| 17 | Hyundai Kona | $1,076 | $90 |
| 18 | Subaru Forester | $1,082 | $90 |
| 19 | Ford Edge | $1,086 | $91 |
| 20 | Honda CR-V | $1,088 | $91 |
| 21 | Mazda CX-30 | $1,090 | $91 |
| 22 | Ford Explorer | $1,092 | $91 |
| 23 | Volkswagen Atlas | $1,094 | $91 |
| 24 | Chevrolet Trax | $1,102 | $92 |
| 25 | Nissan Murano | $1,102 | $92 |
| 26 | Subaru Outback | $1,102 | $92 |
| 27 | Nissan Frontier | $1,108 | $92 |
| 28 | Volkswagen Tiguan | $1,114 | $93 |
| 29 | Ford Bronco Sport | $1,116 | $93 |
| 30 | Fiat 500X | $1,138 | $95 |
| 31 | Ford Ranger | $1,138 | $95 |
| 32 | GMC Terrain | $1,138 | $95 |
| 33 | Kia Soul | $1,142 | $95 |
| 34 | Mitsubishi Eclipse Cross | $1,142 | $95 |
| 35 | Volkswagen Atlas Cross Sport | $1,144 | $95 |
| 36 | Lexus RX 350 | $1,148 | $96 |
| 37 | Acura Integra | $1,152 | $96 |
| 38 | Chevrolet Equinox | $1,154 | $96 |
| 39 | Cadillac XT4 | $1,158 | $97 |
| 40 | Toyota Corolla Cross | $1,158 | $97 |
| 41 | Volkswagen Taos | $1,162 | $97 |
| 42 | GMC Canyon | $1,164 | $97 |
| 43 | Mazda CX-50 | $1,170 | $98 |
| 44 | Toyota Venza | $1,170 | $98 |
| 45 | Honda Odyssey | $1,172 | $98 |
| 46 | Toyota Tacoma | $1,172 | $98 |
| 47 | Volkswagen Jetta | $1,172 | $98 |
| 48 | Hyundai Tucson | $1,174 | $98 |
| 49 | Ford Escape | $1,176 | $98 |
| 50 | Kia Sorento | $1,176 | $98 |
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 May 5, 2023
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.
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 May 5, 2023
Vermont Car Insurance Rates by Vehicle Segment | Vehicle Segment | Annual Rate | Monthly Rate |
| Compact SUV | $1,168 | $97 |
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| Midsize Pickup | $1,212 | $101 |
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| Midsize SUV | $1,252 | $104 |
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| Minivan | $1,256 | $105 |
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| Compact Car | $1,276 | $106 |
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| Midsize Car | $1,308 | $109 |
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| Compact Luxury SUV | $1,388 | $116 |
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| Half-ton Pickup | $1,392 | $116 |
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| Large SUV | $1,400 | $117 |
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| Compact Luxury Car | $1,412 | $118 |
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| Heavy Duty Pickup | $1,474 | $123 |
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| Large Car | $1,492 | $124 |
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| Midsize Luxury SUV | $1,492 | $124 |
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| Midsize Luxury Car | $1,632 | $136 |
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| Sports Car | $1,754 | $146 |
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| Large Luxury SUV | $1,884 | $157 |
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| Large Luxury Car | $1,980 | $165 |
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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 $1,304 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.
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 May 5, 2023
2023 Ford F150 Insurance Cost in Vermont | Driver Risk Profile | Annual Rate | Monthly Rate |
| High Risk Driver Age 30 | $2,938 | $245 |
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| Safe Driver Age 20 | $2,574 | $215 |
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| At-fault Accidents Age 40 | $1,832 | $153 |
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| Low Deductibles Age 40 | $1,696 | $141 |
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| Safe Driver Age 30 | $1,374 | $115 |
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| Safe Driver Age 40 | $1,304 | $109 |
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| Safe Driver Age 50 | $1,184 | $99 |
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| Safe Driver Age 60 | $1,164 | $97 |
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| High Deductibles Age 40 | $1,100 | $92 |
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| Discount Rate Age 40 | $1,082 | $90 |
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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.
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 May 5, 2023
2023 Toyota Tacoma Insurance Cost in Vermont | Driver Risk Profile | Annual Rate | Monthly Rate |
| High Risk Driver Age 30 | $2,656 | $221 |
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| Safe Driver Age 20 | $2,326 | $194 |
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| At-fault Accidents Age 40 | $1,652 | $138 |
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| Low Deductibles Age 40 | $1,522 | $127 |
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| Safe Driver Age 30 | $1,232 | $103 |
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| Safe Driver Age 40 | $1,172 | $98 |
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| Safe Driver Age 50 | $1,070 | $89 |
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| Safe Driver Age 60 | $1,050 | $88 |
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| High Deductibles Age 40 | $992 | $83 |
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| Discount Rate Age 40 | $974 | $81 |
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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.
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 May 5, 2023
2023 Nissan Sentra Insurance Cost in Vermont | Driver Risk Profile | Annual Rate | Monthly Rate |
| High Risk Driver Age 30 | $2,660 | $222 |
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| Safe Driver Age 20 | $2,332 | $194 |
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| At-fault Accidents Age 40 | $1,676 | $140 |
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| Low Deductibles Age 40 | $1,502 | $125 |
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| Safe Driver Age 30 | $1,244 | $104 |
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| Safe Driver Age 40 | $1,192 | $99 |
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| Safe Driver Age 50 | $1,082 | $90 |
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| Safe Driver Age 60 | $1,060 | $88 |
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| High Deductibles Age 40 | $1,028 | $86 |
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| Discount Rate Age 40 | $990 | $83 |
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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.
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 May 5, 2023
2023 Nissan Rogue Insurance Cost in Vermont | Driver Risk Profile | Annual Rate | Monthly Rate |
| High Risk Driver Age 30 | $2,678 | $223 |
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| Safe Driver Age 20 | $2,342 | $195 |
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| At-fault Accidents Age 40 | $1,670 | $139 |
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| Low Deductibles Age 40 | $1,518 | $127 |
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| Safe Driver Age 30 | $1,238 | $103 |
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| Safe Driver Age 40 | $1,180 | $98 |
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| Safe Driver Age 50 | $1,076 | $90 |
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| Safe Driver Age 60 | $1,054 | $88 |
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| High Deductibles Age 40 | $1,006 | $84 |
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| Discount Rate Age 40 | $980 | $82 |
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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.
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 May 5, 2023
2023 Toyota Camry Insurance Cost in Vermont | Driver Risk Profile | Annual Rate | Monthly Rate |
| High Risk Driver Age 30 | $2,762 | $230 |
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| Safe Driver Age 20 | $2,422 | $202 |
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| At-fault Accidents Age 40 | $1,716 | $143 |
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| Low Deductibles Age 40 | $1,594 | $133 |
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| Safe Driver Age 30 | $1,286 | $107 |
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| Safe Driver Age 40 | $1,218 | $102 |
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| Safe Driver Age 50 | $1,108 | $92 |
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| Safe Driver Age 60 | $1,090 | $91 |
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| High Deductibles Age 40 | $1,026 | $86 |
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| Discount Rate Age 40 | $1,016 | $85 |
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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.
