Are you overpaying?

Comparison quotes are the cheapest way to save

Cheap Comparison Quotes Free and Customized

Cheapest Car Insurance in Vermont

Vermont, “The Green Mountain State”, is the only New England state that does not border the Atlantic Ocean. With no buildings taller than 124 feet and the least populated capital city in the U.S., Vermont has surprises of all kinds. The Green Mountains cover the center of the state, and the country’s top maple-producing trees call this little mountain range home. A key figure in the revolutionary war and the first state following the 13 colonies, this state takes pride in its American heritage. Forests cover nearly 80 percent of the state, and marshes, meadows and lakes cover the rest. This refreshing state can provide some relaxing drives, and wants to make sure “Vermonters” can have time to relax more often. After hunting high and low for all the necessary car insurance information for the state, sifted through it all and compiled it here in this simple list.


Taking the guesswork out of laws and regulations simplifies life. Everything essential to driving and insuring in Vermont is included in this list, taking the guesswork out of the always-changing regulations.

Vermont’s Minimum Requirements for Car Insurance

  • The Vermont Insurance Division has made it mandatory to insure every Vermont vehicle with Liability and Uninsured/Underinsured Motorists coverage’s.
  • Liability minimums in Vermont:
    • $25,000 covers a person if he/she is injured or killed in an accident.
    • $50,000 covers an accident if there is more than one person injured or killed.
    • $25,000 covers property damage in an accident.
  • Uninsured/Underinsured Motorist minimums:
    • $50,000 per person
    • $100,000 per accident
    • $10,000 for property damage

New Driver Licensing Requirements

  • Any resident who operates a vehicle within the state must be licensed. New drivers under 18 years of age must complete the Graduated Driver License (GDL) program. The program, designed to enhance young drivers’ training, consists of 2 steps:
  • The Learner’s Permit. Applicants from ages 15 to below 18 may obtain a Learner’s Permit by enrolling in an approved driver education course and passing the knowledge test and the vision test. The permit holds several requirements:
    • The applicant must drive 40 hours while supervised, 10 hours of which must be completed at night.
    • The applicant may operate a vehicle only when a licensed driver age 25 or older, a licensed parent/guardian or a licensed driving instructor is seated in the seat adjacent to him/her.
    • The permit must be kept for a minimum of 1 year.
  • Junior Operator’s License. At age 16 or 17, an applicant who has completed the permit phase, a driver education course and the road skills test, may apply for the Junior Operator’s License. While in possession of this license, the following applies:
    • During the first 3 months, the driver may not carry passengers unless accompanied by a supervisor in the seat adjacent to him/her.
    • In the second 3 months, the driver may transport family members, and after the first 6 months, no passenger restrictions are present.
    • The vehicle may not be used in the course of employment
  • Upon turning 18 and holding a clean driving record, the applicant may apply for a Regular Driver License.
  • Vision Screening. To hold a license with no restrictions, an applicant must have at least 20/40 visual acuity and 60 degrees of peripheral vision in each eye with or without corrective lenses. Vermont holds few restrictions for drivers with worse vision.
  • Knowledge Test. Vermont’s Driver’s Manual holds the answers to the test questions. An applicant must correctly answer 16 of the 20 questions to pass the test.
  • Road Test. The vehicle used for the road test must be insured, registered and licensed. Only the test administrator is allowed in the vehicle with the applicant during the test. The administrator will have the applicant demonstrate basic driving maneuvers to demonstrate that he/she is capable of safely and legally driving on the road.
  • Fees. The following fees are required:
    • Learner Permit: $47
    • Junior Operator’s Permit: $48
    • Regular License: $66 for a 4-year license and $48 for a 2-year license


  • BAC limit: .08 Vermont Law (23 V.S.A. § 1205) defines DUI for the state, and it outlines the penalties and factors associated with the offense.
  • First Offense:
    • Jail: maximum 2 years
    • License suspension: 90 days
    • Fine: maximum $750
  • Second Offense:
    • Jail: maximum 2 years
    • License suspension: 18 months
    • Fine: maximum $1,500
  • Third Offense:
    • Jail: maximum 5 years
    • License suspension: permanent
    • Fine: maximum $2,500
  • Refusals receive the additional penalties:
    • First Offense: 6 month license suspension
    • Second Offense: 18 month suspension
    • Third Offense: Lifetime suspension

Texting & Driving Laws reports that Vermont currently has a ban on texting for all drivers, and effective in October, 2014, all cell phone use (hands-free and handheld) will be banned for all drivers.

Unique Laws

Vermont is a state with a long lineage, and some of the laws still on its books reflect the old lineage more than the new. An example would be the state ordinance that requires a husband’s permission for a woman to get false teeth. A state law forbids anyone from painting a horse or whistling underwater, and all residents must bathe every Saturday night!


Best Cheap Car Insurance Quotes for Vermont

Chittenden County Car Insurance

The most populated county in Vermont, Chittenden County lies along the eastern shore of Lake Champlain, home to an estimated 162,000. New York State is across the lake to the west. Interstate 89 bisects the county before heading north in Burlington, the county seat and its largest city. The University of Vermont, Champlain College and Vermont's largest private employer, GlobalFoundries, is located in Chittenden County.

The largest city in the state, Burlington lies 45 miles south of the Canadian border, and 94 miles from Montreal. The Church Street Marketplace, a four block retail district within Burlington, is one of its larger visitor draws, with festivals such as the Giant Pumpkin Regatta and Festival of Fools further boosting attendance. The city is also home to one of the state's largest year-round farmers markets.

County Sedan Suv Coupe Truck Hybrid

Rutland County Car Insurance

Located in southwest Vermont just east of the New York state line, Rutland County is the second most populous, home to 61,642 at the 2010 Census. It encompasses part of the Green Mountain National Forest and White Rocks National Recreation Area.

The county seat and largest city is Rutland, a city of about 17,000 located about 20 miles east of the New York state line. Its downtown is listed on the National Register of Historic Places. The 275-acre Pine Hill Park has mountain bike and hiking trails and the Flip Side Skatepark. The Rutland Halloween Parade has taken place every year since 1960.

County Sedan Suv Coupe Truck Hybrid

Washington County Car Insurance

Bisected by Interstate 89, Washington County in central Vermont is home to the state capital, Montpelier. The largest producer of maple syrup in the U.S., Montpelier boasts the Vermont College of Fine Arts and New England Culinary Institute. It is also the site of the annual Green Mountain Film Festival. However, it remains the only state capital without a McDonald's.

Barre, the largest city, is surrounded by a separate municipality known as Barre Town. Barre lays claim as the "Granite Capital of the World," due to its vast granite deposits after the War of 1812. "Barre Gray" granite continues to be valuable for its fine grain and even texture.

County Sedan Suv Coupe Truck Hybrid

Windsor County Car Insurance

The largest county in Vermont by land area, Windsor County had a population of 56,670 at the 2010 Census. The county seat, known as its shire town, is Woodstock, where the Billings Farm and Museum draws tourists to a restored farm house and operating dairy farm. Hartford, the largest city, lies at the New Hampshire border at the confluence of the White and Connecticut rivers.

Windsor County also includes a small town of the same name. Known as the "birthplace of Vermont," it is where the Constitution of Vermont was adopted in 1777. Windsor also is the former home of Bob Keeshan, also known as "Captain Kangaroo" from the popular children's TV series. Windsor County is the birthplace of Joseph Smith Jr., the founder of the Church of Jesus Christ of Latter Day Saints.

County Sedan Suv Coupe Truck Hybrid

Franklin County Car Insurance

Located in north Vermont, Franklin County abuts Quebec, Canada. Interstate 89 runs north to south through the western part of the county, which had a population of 47,746 in 2010. Named for Benjamin Franklin, the county was created in 1792. The county seat, St. Albans, is also the largest city.

Franklin County boasts the largest number of dairy farms in the state, with 239 in 2009. The City of St. Albans is separate from a city known as St. Albans Town that surrounds it. Situated on the shore of Lake Champlain, the city each July hosts an annual "Bay Day" event that includes a triathlon and fireworks.

County Sedan Suv Coupe Truck Hybrid

Windham County Car Insurance

One of two counties that make up the southernmost tip of Vermont, Windham County had a population of 44,513 at the 2010 Census. Interstate 91 runs north to south roughly along the county's eastern boundary, and its southern border is the Massachusetts state line.

The tiny town of Newfane serves as the county seat or shire town, as it is called. Home to an estimated 12,000, Brattleboro is its largest town. One of its residents, Ida May Fuller, was the first person to receive a social security benefit check issued Jan. 31, 1940. In 2007, it was certified as a Fair Trade Town, the second in the U.S. After Media, Penn. A thriving cultural arts community, it is the site of the Harris Hill ski jump competition each February, the Strolling of the Heifers parade and festival every June and a Literary Festival and Film Festival held each fall.

County Sedan Suv Coupe Truck Hybrid

Addison County Car Insurance

The central western Vermont County of Addison is the state's third largest by area, at 808 square miles. The population in 2010 was 36,821. Middlebury, the county seat, is the location of Middlebury College, which was founded in 1800, and the Henry Sheldon Museum of Vermont History.

Located in the center of the county, Middlebury has a three-screen theater, historic hotels, shops and restaurants in its downtown. Among its eateries is A&W, the last remaining car hop restaurant in the state and a popular stop for locals and college students. Addison County was once home to poet Robert Frost, and scenes from Middlebury can be seen in the movie, "Me, Myself and Irene" and in the opening of the TV series, "Newhart."

County Sedan Suv Coupe Truck Hybrid

Bennington County Car Insurance

Forming the southwest corner of Vermont, Bennington County borders New York State to the west and Massachusetts to the south. There are two recognized shire towns, or county seats: Bennington, which is the largest city, and Manchester. It is the oldest Vermont county still in existence, created in March 1778.

Part of the Green Mountain National Forest and a portion of White Rocks National Recreation Area lie within Bennington County. The Bennington Battle Monument is the tallest manmade structure in Vermont, more than 300 feet tall and commemorating the Battle of Bennington during the American Revolution. A Bennington Battle Day Parade is held each August.

County Sedan Suv Coupe Truck Hybrid

Caledonia County Car Insurance

In northeastern Vermont, Caledonia County had a population of 31,227 at the 2010 Census. The shire town, or county seat, is St. Jonesbury, which is called "St. Jay" by many locals. It is the site of the Fairbanks Museum and Planetarium, which opened in 1891 and is known today for producing the "Eye in the Sky" weather broadcasts on Vermont's public radio.

Caledonia County is home to most of Burke Mountain, the location of Burke Mountain Ski Area and Burke Mountain Academy. Portions of a network of mountain biking trails maintained by a volunteer group are open to cross-country skiers in the winter. Elsewhere in Caledonia County, the small town of Lyndon is reportedly the state's fastest growing city with a population of more than 5,000.

County Sedan Suv Coupe Truck Hybrid

Orange County Car Insurance

Organized in 1781 as an original Vermont county, Orange County had a population of 28,936 in 2010. Its shire town, or county seat, is Chelsea. Randolph, its largest city, a commercial center for the surrounding areas and home to the main campus of Vermont Technical College.

The tiny town of Tunbridge since 1867 has hosted a September World's Fair, featuring events such as pig races, sheep dog trials, oxen and steer show and an antique tractor pull. The event has been held every year except 1918, the year of the great flu epidemic, and during World War II.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Grand Isle$569.00$451.00$600.00$487.00$534.00
Windsor$551.00$436.00$581.00$470.00$519.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Vermont’s average car insurance premiums were beneath the nation’s by 136 in 2008 and they have remained so since. Vermont’s average car insurance premiums as a percentage of income are also below the national average.

Drunk Driving Fatalities

Vermont’s drunk driving fatalities shot from below the national average to above in 2011. The National Highway Traffic Safety Administration recorded the national average in 2012 at 31 percent, and Vermont managed to bring its percentage back under the average at 30 percent. The numbers of fatalities continued to drop in 2013 and 2014.

Teen Drinking and Driving

Slightly below the national average, Vermont’s teens drink and drive less than their neighboring peers.

Vehicular Theft in Vermont

Dipping to 69.5, Vermont’s vehicle theft rate ended 2012 160 points below the national average. Theft rates dropped again in 2013 and 2014. The FBI indicated a slight decline in the nation’s average to 229, still keeping it well above Vermont’s.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversCo-Operative Insurance
Young driversGeico
Drivers with poor creditCo-Operative Insurance
Retired driversCo-Operative Insurance


State Department of Insurance

Vermont Department of Financial Regulation
Insurance Division
89 Main St.
Montpelier, VT 05620
(802) 828-3301
Get Directions

Department of Transportation

Vermont Agency of Transportation
One National Life Drive
Montpelier, VT 05633-5001
(802) 828-2657
Get Directions

Department of Motor Vehicles

Vermont Department of Motor Vehicles
120 State St.
Montpelier, VT 05603-0001
(802) 828-2000
888-99-VERMONT (888-998-3766)
Get Directions

See rates for these popular cities