Cheap Car Insurance in Vermont
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Vermont Car Insurance Minimums
Vermont requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$10,000
- Uninsured motorist bodily injury: $50,000/$100,000
- Underinsured motorist
- Uninsured motorist property damage: $10,000
At-fault (tort) state.
Source: 23 V.S.A. § 941; 23 V.S.A. § 801 (liability 25/50/10), verified 2026-09-01.
What drives car insurance rates in Vermont
Average spend per insured vehicle, 2023
$893
Vermont drivers spent $893 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
70.8¢
Auto insurers in Vermont paid 70.8 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
0.82
Vermont recorded 59 traffic deaths in 2024, 0.82 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
47.8
Vermont reported 308 motor vehicle thefts in 2025, 47.8 per 100,000 residents, from 63.5 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#50
FEMA ranks Vermont #50 of 51 for expected annual loss from natural hazards; flood accounts for 73% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Vermont
The ten insurer groups that wrote the most auto premium in Vermont in 2025, with their share of the state total of $528 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 25.39% | $134 million |
| 2 | Berkshire Hathaway Group | 12.79% | $67 million |
| 3 | State Farm Group | 10.7% | $56 million |
| 4 | Allstate Insurance Group | 6.02% | $32 million |
| 5 | Liberty Mutual Group | 5.84% | $31 million |
| 6 | United Services Automobile Association Group | 5.47% | $29 million |
| 7 | Vermont Mutual Group | 4.48% | $24 million |
| 8 | Auto Owners Group | 4.4% | $23 million |
| 9 | Co. Operative Insurance Companies | 3.91% | $21 million |
| 10 | Travelers Group | 3.22% | $17 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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