Vermont Auto Insurance Rates
Median premium: $640/6mo across 9 carriers and 308 ZIP codes.
Premiums range from $602 to $896 — a 1.5x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$640
per 6 months
ZIP Codes
308
with rate data
Carriers
9
rated in VT
Price Spread
1.5x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $439 | 308 ZIPs | 100% | |
| 2 | State Farm | $561 | 0 ZIPs | 0% | |
| 3 | GEICO | $610 | 0 ZIPs | 0% | |
| 4 | Farmers | $610 | 0 ZIPs | 0% | |
| 5 | Progressive | $640 | 0 ZIPs | 0% | |
| 6 | Nationwide | $671 | 0 ZIPs | 0% | |
| 7 | Travelers | $683 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $702 | 0 ZIPs | 0% | |
| 9 | Allstate | $793 | 0 ZIPs | 0% |
Geographic Insights
Cheapest Cities in Vermont
| City | Avg Median | ZIPs |
|---|---|---|
| Peru | $602 | 1 |
| Bennington | $602 | 1 |
| Arlington | $602 | 1 |
| Dorset | $602 | 1 |
| East Arlington | $602 | 1 |
Most Expensive Cities in Vermont
| City | Avg Median | ZIPs |
|---|---|---|
| Swanton | $724 | 1 |
| South Hero | $724 | 1 |
| Sheldon Springs | $724 | 1 |
| Sheldon | $724 | 1 |
| Saint Albans Bay | $724 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$724/6mo
05488 (Swanton)
Cheapest ZIP
$602/6mo
05152 (Peru)
1.5x
Price Spread
The most expensive ZIP in Vermont costs 1.5x more than the cheapest. Your ZIP code matters more than you think.
Vermont Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Vermont
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Access ZIP-level rate data across all 9 carriers, 308 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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