How much is car insurance in Vermont?
In Vermont, a full-coverage auto policy averaged $958 a year in 2023 (NAIC), 33% below the $1,439 national average (2nd lowest in the US), or about $1,140 a year in Vermont today (about $95 a month as of August 2026). For Vermont drivers, the law asks for at least 25/50/10 liability, and liability-only coverage—the closest NAIC measure to a minimum policy—averaged $381 in 2023 (about $450 today).
What people pay in Vermont: 2nd lowest average in the US
Typical Vermont full-coverage price today
about $1,140 a year in Vermont (about $95 a month)
Vermont's 2023 NAIC full-coverage average ($958) adjusted +19% to August 2026 using the US motor-vehicle insurance price index; your Vermont rate depends on your car, driving history, and coverage limits.
That $958 2023 full-coverage figure makes Vermont the 2nd least expensive of the 50 states and DC (against $1,439 nationally), with 40% going to liability ($381, 3rd lowest in the US) and 60% covering physical damage to your own vehicle. Across all insured vehicles in Vermont (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $893 (6th lowest in the US, about $1,060 today)—only 7% ($65) below Vermont's $958 full-coverage benchmark.
Vermont costs less to insure than Massachusetts, New Hampshire, and New York
A typical full-coverage policy in Vermont ($958 in 2023) costs less than in all three bordering states. Among Vermont's neighbors, New Hampshire had the lowest 2023 average ($1,032, moving to Vermont is about $100 less a year) and New York had the highest ($1,896, moving to Vermont is about $1,250 less a year).
| State | 2023 average | Moving to Vermont from there |
|---|---|---|
| Vermont | $958 | Current state (Vermont) |
| Massachusetts | $1,413 | About $610 less a year |
| New Hampshire | $1,032 | About $100 less a year |
| New York | $1,896 | About $1,250 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: North Dakota ($961 in 2023, about $1,140 today), Idaho ($981 in 2023, about $1,160 today), Maine ($926 in 2023, about $1,100 today), and Hawaii ($998 in 2023, about $1,180 today).
Vermont: 25/50/10 minimums since 2024, with mandatory uninsured-motorist coverage
- Vermont liability (per person / per crash / property)
- $25,000 / $50,000 / $10,000
- Personal injury protection (PIP) in Vermont
- Not required
- Medical payments in Vermont
- Not required
- No-fault system in Vermont
- No
- Uninsured motorist in Vermont
- Required
- Underinsured motorist in Vermont
- Required
Set by 23 V.S.A. 800, Vermont's 25/50/10 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $10,000 for others' property—the legal floor in Vermont, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Vermont—the closest NAIC figure to what a Vermont minimum policy costs—averaged $381 in 2023 (about $450 in Vermont today), the 3rd lowest of the 50 states and DC. That makes liability 40% of Vermont's full-coverage average ($958), while the remaining 60% goes toward collision and comprehensive coverage for your own car.
Vermont requires at least $25,000 per person and $50,000 per crash for injuries, plus $10,000 for property damage. Every policy must also include uninsured/underinsured-motorist coverage of at least $50,000 per person and $100,000 per crash.
What we couldn’t confirm: Vermont's online statutes include laws through the 2025 session, so a 2026 change can't be fully ruled out. We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- Combined uninsured and underinsured motorist coverage is required: at least $50,000 per person and $100,000 per crash for injuries, plus up to $10,000 for property damage ($150 deductible). If your liability limits are higher, it matches them unless you ask otherwise.
- History and recent checks
- Vermont Statutes Online reflects the 2025 session; history shows the last amendment to 800 effective July 1, 2024 (not to the dollar amounts). No 2026 change to the limits was found, but the online code may not yet include 2026 acts.
- Checked
- September 22, 2026
- Sources
- 23 V.S.A. 800
in the amounts of at least $25,000.00 for one person and $50,000.00 for two or more persons killed or injured and $10,000.00 for damages to property in any one crash
- 23 V.S.A. 941
unless coverage is provided ... from owners or operators of uninsured, underinsured, or hit-and-run motor vehicles" / "not less than $50,000.00 for one person and $100,000.00 for two or more persons
- 23 V.S.A. 800
Adding a 16-year-old driver in Vermont: about $750 more a year
Adding a 16-year-old to a Vermont policy
about $750 more a year
About $65 a month (+66% over a typical Vermont adult policy of $1,140), bringing the combined Vermont family policy to roughly $1,400–$2,500 a year.
On a separate Vermont policy of their own with the same car, a 16-year-old in Vermont would pay about $3,260 a year (roughly $2,500–$4,650), so sharing a parent's Vermont policy saves about $2,510 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Vermont's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Vermont
In Vermont, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $670 more a year on a Vermont policy, versus about $1,130 more a year for the 2022 Tesla Model 3 at the top of Vermont's list.
| 2022 model | Added to a Vermont policy | Own Vermont policy |
|---|---|---|
| 2022 Subaru Forester | +$670 in Vermont | $2,910 in Vermont |
| 2022 Subaru Outback | +$670 in Vermont | $2,920 in Vermont |
| 2022 Subaru Crosstrek | +$670 in Vermont | $2,930 in Vermont |
| 2022 Honda CR-V | +$720 in Vermont | $3,130 in Vermont |
| 2022 Toyota RAV4 | +$730 in Vermont | $3,180 in Vermont |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Vermont
In Vermont, a 45-year-old with full coverage pays from about $1,280 a year for a 2024 Acura RDX to about $1,610 for a 2024 Cadillac Escalade on these Vermont sample models.
| Car | 45-year-old in Vermont | Adding a teen in Vermont |
|---|---|---|
| 2024 Acura RDX | about $1,280 a year | +$850 a year |
| 2024 Acura Integra | about $1,530 a year | +$1,010 a year |
| 2024 Cadillac Escalade | about $1,610 a year | +$1,060 a year |
| 2024 Honda Civic | about $1,430 a year | +$950 a year |
| 2024 Toyota Corolla | about $1,380 a year | +$910 a year |
| 2024 Toyota Camry | about $1,390 a year | +$920 a year |
| 2024 Honda Accord | about $1,380 a year | +$910 a year |
| 2024 Mazda 3 | about $1,350 a year | +$890 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Vermont
- How much is car insurance in Vermont?
- In Vermont, full-coverage car insurance averaged $958 a year in 2023 (the 2nd least expensive of the 50 states and DC per NAIC), or about $1,140 a year ($95 a month) in Vermont as of August 2026. Vermont liability-only coverage averaged $381 in 2023 (40% of Vermont's full-coverage figure, or about $450 today), and Vermont drivers spent $893 per insured car across all policies.
- What are the minimum car insurance limits in Vermont?
- Under 23 V.S.A. 800, Vermont requires 25/50/10 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $10,000 for property damage. Vermont Statutes Online reflects the 2025 session; history shows the last amendment to 800 effective July 1, 2024 (not to the dollar amounts). No 2026 change to the limits was found, but the online code may not yet include 2026 acts.
- How much does adding a 16-year-old teen driver cost in Vermont?
- Adding a 16-year-old to a parent's full-coverage policy in Vermont adds about $750 more a year ($65 a month), bringing the Vermont household policy to roughly $1,400–$2,500 a year versus about $3,260 a year (roughly $2,500–$4,650) on a standalone Vermont teen policy.
- Is Vermont a no-fault car insurance state?
- No—Vermont is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Vermont does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Vermont: Combined uninsured and underinsured motorist coverage is required: at least $50,000 per person and $100,000 per crash for injuries, plus up to $10,000 for property damage ($150 deductible). If your liability limits are higher, it matches them unless you ask otherwise.
- How does Vermont's car insurance cost compare with Massachusetts?
- Vermont averaged $958 for full coverage in 2023 (NAIC) against $1,413 in Massachusetts (32% less than Massachusetts), and moving a sample policy from Massachusetts to Vermont today is about $610 less a year. Other bordering states averaged $1,032 in New Hampshire and $1,896 in New York in 2023.
Sources for Vermont
- Vermont average premiums ($958 full coverage, $381 liability-only, $893 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Vermont minimum coverage statutes (23 V.S.A. 800; 23 V.S.A. 941), checked September 22, 2026. Page updated for Vermont. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.