Read our guide on how to find the best car insurance in the Green Mountain State.

 

 

Looking to purchase car insurance in Vermont? Read our review to learn the five best car insurance providers in the state as well as Vermont’s minimum coverage requirements and driving conditions.

Our review team researched and ranked the best auto insurance companies currently available in the United States, many of which are also our top choices for Vermont car insurance. The best way to find the cheapest insurance for you is to compare free quotes from multiple providers. You can get started using the tool below.

 

In this article:

5 Best Car Insurance Providers In Vermont

By looking at the affordability, customer satisfaction scores, coverage options, and industry reputations of both national and regional providers, we’ve determined the best choices for car insurance in Vermont. Below, we’ve outlined our top recommended insurers. 

Best Car Insurance In Vermont Motor1 Rating Customer Service Affordability Coverage
1. Geico Auto Insurance 4.5 4.0 4.5 4.5
2. Concord Group Insurance 4.0 4.0 4.0 3.5
3. USAA Auto Insurance 4.0 4.5 4.5 4.0
4. State Farm Car Insurance 4.0 4.0 4.5 4.0
5. Safeco Car Insurance 4.0 3.5 4.5 4.0
 

*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Vermont.

 


 

#1 Geico: Best Overall Provider

Geico Insurance logo

Geico is an excellent car insurance provider for Vermont drivers thanks to its strong industry reputation and positive customer service ratings. Based on our research, Geico is also one of the most affordable providers in Vermont, especially for drivers with a clean driving record. Additionally, the insurer is accommodating to drivers with poor credit scores.

Geico ranked third for the New England region in the 2020 J.D. Power Auto Insurance Satisfaction StudySM. The insurance company scored 841 out of 1,000 points, placing it above the 821-point regional average. J.D. Power’s study considered insurers’ technology, customer service, and different channels for communicating with customers, like mobile apps.

Geico also received an A+ rating from the Better Business Bureau (BBB) and an A++ financial strength rating from AM Best. These scores highlight the insurer’s superior ability to pay out car insurance claims as well as its established reputation for quality customer interaction.

Geico is an affordable option for many Vermont drivers, largely because of its various discount opportunities, including:

  • Good student discount
  • Good driver discount
  • Defensive driver discount
  • Vehicle safety and anti-theft device discounts
  • Multiple policy discount
  • Multiple vehicle discount
  • Military discount
  • Federal employee discount
  • Customer loyalty discounts

In addition to standard coverage, Geico also offers roadside assistance plans, rental car reimbursement, mechanical breakdown insurance, and accident forgiveness insurance for an additional cost. Its accident forgiveness can also be earned for free by maintaining a good driving record.

Geico Pros Geico Cons
A+ rating from the BBB
and A++ financial strength rating from AM Best
Average quotes experience
Many choices for coverage  
High level of customer satisfaction  
 

Learn more about the insurer in our full Geico review.

 


 

#2 Concord Group Insurance: Best Local Service

Concord Insurance logo

While Concord Group Insurance was not included in the J.D. Power Satisfaction Study for the New England region, it’s a strong option for those looking for local service. Headquartered in Concord, New Hampshire, the company provides coverage to Maine, Massachusetts, New Hampshire, and Vermont. 

Insurance policies from Concord Group Insurance are managed by local agents. These agents are well-versed in the details of Vermont insurance requirements and can provide personalized policy recommendations. However, you’ll need to contact your agent for car insurance quotes or claims, which can add time to these processes.

Concord Group Insurance holds an accredited A+ rating from the BBB. Smaller insurance companies can have mixed financial profiles, but the company’s A rating from AM Best demonstrates a strong ability to pay out customer claims. That said, it’s slightly less financially capable than bigger companies like Geico or State Farm, which hold A++ ratings from AM Best.

Based on our research, car insurance coverage from Concord Group Insurance is a relatively affordable option for most Vermont drivers, but it may not be the cheapest option for all drivers. Here are a few ways drivers can save money on Concord Group Insurance policies:

  • Multiple policy discount
  • Good student discount
  • E-document delivery discount
  • Advanced quote discount

Alongside the six standard types of auto insurance, Concord also offers roadside assistance coverage, guaranteed asset protection (GAP) insurance, and accident forgiveness plans.

Concord Group Insurance Pros Concord Group Insurance Cons
Local agents available No online quotes
Affordable insurance policies and multiple discount opportunities Poor mobile app ratings
A+ rating from BBB and A rating from AM Best  
 

 


 

#3 USAA: Best For Military

USAA Insurance logo

USAA scored highest in the J.D. Power Satisfaction Study with 895 out of 1,000 points. But the insurer is unranked in the study because of its very particular membership requirements. The company only insures military members and their families. If you’re eligible, USAA is a high-quality option for car insurance in Vermont.

USAA offers low-cost insurance coverage as well as excellent customer service. While the company does not have branches to visit, it does have a network of local agents based in Vermont. 

USAA holds an A- rating from the BBB and an A++ (Superior) financial strength rating from AM Best. These scores show not only USAA’s commitment to quality customer service, but also its ability to pay out insurance claims.

USAA policyholders may receive the following discounts:

  • Military garaging discount
  • Low annual mileage discount
  • Safe driving discount
  • Driving research discount
  • Defensive driving discount
  • Driver training course discount
  • Good student discount
  • New vehicle discount
  • Automatic payments discount
  • Family discount

Although insurance rates can vary depending on your age, credit score, location, vehicle, and driving history, USAA is generally affordable for Vermont drivers.

USAA Pros USAA Cons
Affordable rates and numerous discounts Only available for military members and their families
Good option for military members and young drivers  
Superior financial strength rating from AM Best  
 

Read our comprehensive USAA insurance review to learn more. 

 


 

#4 State Farm: Best For Students

State Farm Insurance logo

State Farm is the largest car insurance provider in the U.S. and wrote over $40 billion in premiums in 2019, according to the National Association of Insurance Commissioners (NAIC). In the J.D. Power 2020 Satisfaction Study, the insurer came in second place for the New England region, earning 855 out of 1,000 points.

For student drivers or parents with teen drivers, State Farm may be the cheapest option for car insurance in Vermont. In addition to its Steer Clear® program, which teaches and rewards good habits for drivers under the age of 25, the insurer also offers the following discount opportunities:

  • Defensive driving course discount
  • Student away at school discount
  • Driver training discount
  • Good student discount
  • Multiple vehicle discount

The company has many discounts for adult drivers as well, such as its Drive Safe & SaveTM program, which can give drivers up to a 30-percent discount based on good driving habits, as well as:

  • Accident-free discount
  • Defensive driving course discount
  • Good driving discount
  • Vehicle safety discount
  • Passive restraint discount
  • Anti-theft discount
  • Multiple line discount

State Farm also offers optional rideshare and emergency road service coverage.

State Farm Pros State Farm Cons
Comprehensive coverage offerings Reported errors with autopay
Extensive number of discounts  
Positive customer reviews  
A+ rating from the BBB
and A++ rating from AM Best
 
 

You can learn more in our State Farm insurance review.

 


 

#5 Safeco: Superior Local Service

Safeco Insurance logo

We rated Safeco 4.0 out of 5.0 stars in our individual provider review. Because the provider operates under Liberty Mutual, we can look to its parent company in J.D. Power’s 2020 Satisfaction Study. Liberty Mutual scored 813 points out of 1,000, which ranked it below the regional average.

Safeco provides low insurance rates through independent agents based in Vermont. The company has a number of discounts for customers, including:

  • Combine and save discount
  • Driver safety education discount
  • Lower mileage discount
  • Theft deterrence discount
  • Homeownership discount
  • Accident prevention course discount
  • Multiple policy discount
  • Good student discount
  • Distant student discount
  • Newly independent discount
  • New teen discount
  • Tenure reward

Safeco also offers three separate discount programs: 

    • Safety RewardsTM: Includes a vanishing deductible and accident forgiveness
    • Teen Safety RewardsTM: Discounts provided to responsible teenage drivers and their families
    • Safeco RightTrack®: Tracks and rewards good driving behavior
Safeco Pros Safeco Cons
Independent agents who do price comparison shopping for you and customize policies Cannot be purchased online
Number of insurance discounts available Average customer service reviews
 

Read more in our Safeco car insurance review.

 


 

Vermont Car Insurance Requirements

Each state decides its own minimum car insurance requirements. Vermont requires 25/50/10 bodily injury liability and property damage liability insurance coverage, which means you need:

  • $25,000 per person bodily injury liability
  • $50,000 per accident bodily injury liability
  • $10,000 per accident property damage liability

Vermont is an at-fault state, meaning that if you’re found at fault for an accident, it’s your responsibility to cover vehicle repairs and medical bills of other involved parties. If you’re found driving without car insurance in Vermont, you could pay a fine up to $500 and have your license suspended. 

Although it’s not required, it’s a good idea to carry more than Vermont’s state-minimum coverage. Frequently, car accidents cost drivers more than the state requirements will cover. Here are a few other types of auto insurance to consider carrying in addition to Vermont’s basic car insurance requirements:

  • Comprehensive insurance
  • Collision insurance
  • Underinsured/uninsured motorist coverage
  • Medical payments (MedPay) coverage
  • Personal injury protection (PIP) insurance

 


 

Cost Of Car Insurance In Vermont

Car insurance in Vermont tends to cost less than insurance in many other parts of the country. According to the NAIC, car insurance in Vermont was an average of $762.59 in 2017, which was lower than the $1,004.68 national average. Based on the NAIC’s data, Vermont is the eighth cheapest state in terms of average car insurance rates.


Here’s a breakdown of Vermont’s average insurance costs:

Type of Coverage Average Annual Expenditure
Liability coverage $375.02
Collision coverage $324.51
Comprehensive coverage $142.83
Total cost $762.59
 

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

 


 

What To Know About Driving In Vermont

According to Statista, there were slightly over 500,000 licensed drivers in Vermont in 2016. That same year, Vermont’s population was about 624,000. Although a large population of the state’s citizens drive, there’s a very low auto accident fatality rate. From 2015 to 2019, the state had fewer than 100 accident deaths per year, according to the Vermont Highway Safety Alliance. 

Additionally, Vermont’s highways were rated 19th in the nation in a 2019 study conducted by the Reason Foundation. 

With safer-than-average highways and a low percentage of fatal accidents, Vermont drivers might not need collision insurance or uninsured/underinsured motorist coverage. However, considering Vermont's harsh winters and other hazardous weather conditions that could lead to collisions, it may be smart to opt for a comprehensive car insurance policy.

 


 

Final Thoughts

Based on our research into providers’ availability, customer reviews, affordability, industry ratings, and coverage options, Geico, Concord Group Insurance, and USAA are the strongest options for car insurance in Vermont. In our review, each received at least a 4.0 out of 5.0 rating.

Ultimately, we recommend reaching out to multiple insurers to see exactly what an insurance policy may cost you. By using the tool below, you can receive free, no-risk quotes from our top recommended providers.