Cheap Auto Insurance in Vermont for 2025 (Save Money With These 10 Companies)

These are the cheap auto insurance in Vermont. Geico is our top cheap auto insurance provider, and it is best for budget-friendly insurance at as low as a $12 monthly rate. Travelers and Nationwide also offer affordable auto insurance coverage that is best for safe drivers and reliable services.

Geico, Travelers, and Nationwide offer affordable auto insurance rates in Vermont. These rates have enabled customers to enjoy discounts and reliable services.

Our Top 10 Company Picks: Cheap Auto Insurance in Vermont

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The table below shows the top 10 providers of cheap auto insurance here in Vermont. It also shows what their rates are and what they are best at. Freely use this information to select which cheap auto insurance is the best for you by entering your ZIP code in the provided tool above.

#1 – Geico: Top Overall Pick

Pros

• Lowest Rates Available – Ensures that drivers may obtain coverage that fits their cost-conscious needs for car protection by keeping rates low.
• Extensive Discount Options – Provides a plethora of savings opportunities, making it more straightforward to maintain a financially healthy insurance plan for your own vehicle.
• User-Friendly Digital Tools – These tools improve security and management for car owners by offering easy access to policy details and claim submissions. To understand better, read our Geico auto insurance review.

Cons

• Inconsistent Customer Service – Although the price is excellent, customers looking for dependable auto insurance may not always be satisfied with the help they receive.
• Limited Local Agent Support – For people who prefer in-person insurance advice, focusing on digital tools means fewer in-person encounters.

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#2 – Travelers: Best for Safe Drivers

Pros

• Safe Driver Rewards – Providing financial incentives to promote significantly responsible driving, strengthening safety for both the driver and the car.
• Financial Stability & Claims Satisfaction – Supported by sound financial standing, guaranteeing dependability when coverage is most needed.
• New Car Replacement Coverage – This coverage adds protection by paying for a brand-new replacement car in the event of a significant loss

Cons

• Higher Rates for Risky Drivers – Based on our Travelers auto insurance review, comprehensive coverage may be more expensive for those with a history of occurrences.
• Limited Local Presence – Although financially robust, there might not be enough opportunities for face-to-face engagement for people who prefer one-on-one coaching.

#3 – Nationwide: Best for Reliable Service

Pros

• Vanishing Deductible Program – Slowly decreases out-of-pocket costs, ensuring long-term affordability for personal auto insurance.
• Strong Local Agent Network – Gives reliable assistance via a trustworthy network, ensuring better policy administration and claim support.
• Usage-Based Discounts – Encourages cautious driving, assisting consumers in keeping their auto insurance affordable.

Cons

• Slow Claims Processing – Certain users have reported Delays in obtaining financial compensation following an event, which impacts prompt car retrieval.
• Not the Cheapest Option for High-Risk Drivers – According to our nationwide auto insurance review, Increased premiums for those with a history of claims may impact some people’s affordability.

#4 – American Family: Best for New Drivers

Pros

• Tailored Programs for Young Drivers – Designed to provide new drivers with appropriate risk management and financial protection.
• Customizable Policies – Enables coverage flexibility, assisting car owners in creating policies that meet their unique requirements.
• High Customer Satisfaction in Claims Handling – Ensures a seamless claims process, strengthening confidence in their coverage.

Cons

• Coverage Availability Varies – State-by-state variations in policy alternatives could hinder uniformity in vehicle protection.
• Higher Rates for Poor Credit — Auto insurance can be expensive for people with weaker credit scores, making it more challenging to get cheap coverage. To understand better, read our American Family auto insurance review.

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#5 – State Farm: Best for Affordable Rates

Pros

• Competitive Pricing – Makes it more straightforward for drivers to keep necessary protection by providing affordable coverage. See more of it by reading our State Farm auto insurance review.
• Extensive Network of Local Agents – Ensures individuals who desire individualized insurance assistance receive hands-on care.
• Financially Stable & Trusted – A reputable supplier with a solid record of providing reliable protection.

Cons

• Limited Online Policy Management – Convenience may be limited because digital features are not as sophisticated as those of some competitors.
• Basic Roadside Assistance – Additional service offerings might not be as comprehensive compared to other insurers.

#6 – Liberty Mutual: Best for Custom Coverage

Pros

• Highly Customizable Policies – Allows policyholders to customize their coverage to meet the demands of particular vehicles. To learn more, view Liberty Mutual auto insurance review.
• Lifetime Repair Guarantee – Guarantees ongoing assistance with auto maintenance at authorized repair facilities.
• Strong Bundling Discounts – Gives people who want to combine many coverage alternatives the chance to save money.

Cons

• Higher Premiums for Some Drivers – Customized programs may have higher prices for some profiles.
• Inconsistent Customer Service – Despite having robust policies, service dependability could differ depending on the area.

#7 – Farmers: Best for Local Agents

Pros

• Personalized Service – A robust agent network offers customized guidance to assist ensure the best possible coverage.
• Great Add-Ons Like Rideshare Coverage – Has specific guidelines for people who use their cars for services like Lyft or Uber.
• Strong Multi-Policy Discounts – Bundles various insurance plans to assist clients in reducing expenses. Read more through our Farmers auto insurance review.

Cons

• Higher Base Rates – It might not be the most economical choice for clients on a tight budget.
• Not All Discounts Available Everywhere – The state where you live may have different savings options.

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#8 – Allstate: Best for Full Coverage

Pros

• Comprehensive Coverage Options – Provides comprehensive insurance, guaranteeing increased financial stability in mishaps.
• Drivewise Telematics Program – Allstate auto insurance review can rewards conscientious drivers with possible savings.
• Reputable and Well-Established – A reputable supplier with an extensive track record of dependable service.

Cons

• More Expensive Than Competitors – Rates are typically higher, which can put off buyers on a tight budget.
• Mixed Reviews on Claims Processing – Regarding claims response timeframes, customer experiences differ.

#9 – Progressive: Best for Flexible Options

Pros

• Snapshot Program Rewards Good Driving – Provides financial incentives to promote safer driving practices.
• Flexible Coverage Choices – Offers a variety of distinctive accessories that improve car safety.
• Competitive Pricing for High-Risk Drivers – This company offers more reasonably priced solutions to people who have had claims or events in the past. To learn more, view Progressive auto insurance review.

Cons

• Rates May Increase Upon Renewal – After their first policy term, several clients notice a significant increase in premiums.
• Customer Service Varies by Region – Depending on the area, satisfaction ratings vary.

#10 – Erie: Best for Comprehensive Plans

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Pros

• Top-Rated Customer Service – Consistently receives excellent ratings for handling claims and being responsive.
• Comprehensive Coverage Options – Provides choices for replacing a totaled car with a newer model and offers robust vehicle protection.
• Loyalty Discounts & Low Long-Term Rates – Offers long-term policyholders monetary advantages.

Cons

• Limited State Availability – Not accessible in every region, which may limit alternatives for some drivers. See our Erie auto insurance review to check your place.
• Lacks Advanced Online Tools – The digital management tools are less advanced than leading suppliers.

Car Insurance Coverage and Rates in Vermont

Understanding Vermont car insurance rates is key to finding the right coverage. This guide compares monthly costs for minimum and full coverage, helping you choose between affordability and comprehensive protection.

Vermont Auto Insurance Monthly Rates by Provider & Coverage Level

Finding the right insurance means balancing cost and coverage. Compare rates to choose the best car insurance in Vermont. Learn more in our article, Compare Auto Insurance Companies.

Auto Insurance Discounts From the Top Providers in Vermont

Take advantage of these discounts to potentially lower your insurance costs. Explore which discounts you qualify for to maximize your savings with the best car insurance providers in Vermont. To check rates in your area, enter your ZIP code.

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Exploring Vermont: Finding the Best Auto Insurance

Vermont brings to mind lush green mountains, charming covered bridges, and stunning autumn colors. From pure maple syrup and craft breweries to outdoor adventures in every season, Vermont is where tradition and nature thrive together.

Vermont Report Card: Auto Insurance Premiums

With endless outdoor activities in Vermont, no one wants to waste time searching for cheap auto insurance in Vermont. Comparing rates takes time, but with rising costs, it’s essential.

Vermont Report Card: Auto Insurance Discounts

We’ve simplified car insurance for you. Find company ratings, average premiums, state laws, and tips on securing low-income coverage in Vermont all in one place. To find the cheapest insurance near you, enter your ZIP code.

 

The Minimum Coverage Required for Auto Insurance in Vermont

Colorado law requires drivers to maintain minimum liability auto insurance to cover expenses in at-fault accidents.

Vermont Accidents & Claims per Year by City

As a fault state, Vermont requires your liability insurance to cover damages if you’re responsible for an accident. Uninsured/underinsured motorist and medical payments coverage are required unless waived in writing.

Core Coverage Premiums in Vermont

In Vermont, collision coverage is the only type where residents pay more than the national average, yet full coverage overall remains lower. Even with an affordable high-risk auto insurance plan, Vermonters still enjoy competitive rates.

Auto Insurance Discounts From Top Vermont Providers

A full insurance policy includes essential coverage types: liability, collision, and comprehensive, offering well-rounded protection on the road.

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Affordable Auto Insurance Provider in Vermont

Choosing the right auto insurance in Vermont becomes simpler when you understand how it works and the key factors to consider.

Besides a clean driving record, other factors affect your insurance rates, like your car type. Older, safer vehicles with low repair costs usually come with cheaper premiums. Enter your ZIP code to compare rates and find the best coverage options.

Finding affordable car insurance in Vermont is easy when you know where to search. Choosing the right provider helps you find affordable car insurance in Vermont without sacrificing quality or coverage. Want the best car insurance deal? Enter your ZIP code now to find the perfect coverage at the best price!