Hitting the scenic roads of Vermont is a joy, but unexpected bumps can make the journey stressful. That’s where car insurance comes in, giving you peace of mind and protection against financial woes. But with so many companies vying for your business, choosing the right one can be overwhelming. To help you navigate the Vermont car insurance landscape, here’s a rundown of the top 10 players:
Best Car Insurance Companies in Vermont
If you’re looking for the best car insurance in vermont, we recommend comparing quotes from the providers below.
1. USAA car insurance covarage :
Pros:
- Unmatched customer service – consistently top-rated in J.D. Power studies.
- Competitive rates, especially for military members and veterans.
- Extensive coverage options and add-ons.
Cons:
- Limited availability – only open to military families and veterans.
- Fewer local agents compared to bigger insurers.
Price: $895 average annual full coverage (Bankrate estimate).
Website: https://www.usaa.com/inet/wc/auto-insurance
2. State Farm car insurance covarage:
Pros:
- Widely recognized brand with a strong local agent network.
- Affordable rates for diverse driver profiles.
- Wide range of discounts and coverage options.
Cons:
- Customer service ratings not as high as USAA or Amica.
- May not offer the most competitive rates for younger drivers.
Price: $836 average annual full coverage (Bankrate estimate).
Website: https://www.statefarm.com/
3. Geico car insurance covarage:
Pros:
- Generally the cheapest option for good drivers.
- User-friendly online platform for quotes and managements.
- Wide range of coverage options and add-ons.
Cons:
- Customer service may not be as personalized as smaller companies.
- Reliant on online interaction, might not be ideal for everyone.
Price: $963 average annual full coverage (Bankrate estimate).
Website: https://www.geico.com/
4. Amica Mutual car insurance covarage:
Pros:
- Excellent customer service – consistently high ratings in J.D. Power studies.
- Competitive rates for safe drivers and good driving records.
- Strong financial stability and claims reputation.
Cons:
- Limited availability – only offered in 17 states, including Vermont.
- Fewer coverage customization options compared to larger insurers.
Price: $1,024 average annual full coverage (Bankrate estimate).
Website: https://www.amica.com/
More car insurance in vermont for 2024
If you’re looking for the best car insurance in vermont, we recommend comparing quotes from the providers below.
5. Nationwide car insurance covarage :
Pros:
- Strong financial stability and reputation.
- Wide range of coverage options and add-ons, including unique features like pet insurance.
- Discounts for students, good drivers, and bundling policies.
Cons:
- Rates can be higher than some competitors, especially for young drivers.
- Customer service ratings not as high as top-ranked companies.
Price: $906 average annual full coverage (Bankrate estimate).
Website: https://www.nationwide.com/
6. The Hartford:
Pros:
- Long history and reputation for financial stability.
- Variety of discounts and rewards programs.
- Offers specialized coverage options for classic cars and high-value vehicles.
Cons:
- Rates can be higher than some competitors.
- Availability of discounts and coverage options may vary by state.
Price: $1,088 average annual full coverage (Bankrate estimate).
Website: https://www.thehartford.com/
7. Liberty Mutual:
Pros:
- Strong network of local agents for personalized service.
- Wide range of coverage options and add-ons.
- Discounts for good drivers, multiple policies, and safety features.
Cons:
- Rates can be higher than some competitors for minimum coverage.
- Customer service ratings not as consistently high as some top-ranked companies.
Price: $1,147 average annual full coverage (Bankrate estimate).
Website: https://www.libertymutual.com/customer-support/billing-and-payment-options
8. Travelers:
Pros:
- Strong financial stability and claims reputation.
- Offers bundled discounts for home and auto insurance.
- Wide range of coverage options and add-ons.
Cons:
- Rates can be higher than some competitors.
- Website and online quote process might not be as user-friendly as some.
Price: $1,163 average annual full coverage (Bankrate estimate).
Website: https://signin.travelers.com/
Cheap car insurance in Varmont for 2024
If you’re looking for the cheap car insurance in vermont, we recommend comparing quotes from the providers below.
9. Progressive:
Pros:
- Innovative coverage options like “Name Your Price” and telematics discounts.
- User-friendly website and mobile app for managing your policy.
- Wide range of add-ons and customization options.
Cons:
- Rates can be higher than some competitors, especially for younger drivers.
- Customer service ratings not as consistently high as top-ranked companies.
Price: $1,190 average annual full coverage (Bankrate estimate).
Website: https://www.progressive.com/:
10. Auto-Owners Insurance:
Pros:
- Mutual company with a focus on policyholder benefits over profit.
- Excellent customer service ratings and reputation.
- Competitive rates for safe drivers and long-term customers.
Cons:
- Limited availability – only offered in 13 states, including Vermont.
- Not as many coverage options and add-ons as some larger insurers.
Price: $1,052 average annual full coverage (Bankrate estimate).
Website: https://www.auto-owners.com/:
Remember: The “best” car insurance company for you will depend on your individual needs, driving record, and budget. Always compare quotes from several companies before making a decision. Consider factors like:
- Coverage options: Make sure you have the coverage you need, including liability, collision, comprehensive, and any additional add-ons you desire.
- Discounts: Take advantage of any discounts available, such as good driver discounts, student discounts, or multi-policy discounts.
- Customer service: Choose a company with a good reputation for customer service and claims handling.
- Financial stability: Make sure the company you choose is financially stable and will be there for you if you need to file a claim.
Additional Resources:
- Vermont Department of Motor Vehicles: https://dmv.vermont.gov/
- National Association of Insurance Commissioners (NAIC): https://content.naic.org/
- J.D. Power Auto Insurance Studies: https://www.jdpower.com/business/press-releases/2022-us-auto-insurance-study
By doing your research and comparing quotes, you can find the best car insurance company in Vermont to protect you and your loved ones on the road.
Bonus Tip: Consider using a car insurance comparison website to get quotes from multiple companies at once. This can save you time and money on your car insurance.
I hope this information helps you find the perfect car insurance company in Vermont!
Here’s a table summarizing the top 10 car insurance companies in Vermont:
| Rank | Company | Pros | Cons | Average Annual Full Coverage Price | Website |
|---|---|---|---|---|---|
| 1 | USAA | Unmatched customer service, competitive rates, extensive coverage | Limited availability, fewer local agents | $895 | https://www.usaa.com/inet/wc/auto-insurance: https://www.usaa.com/inet/wc/auto-insurance |
| 2 | State Farm | Widely recognized brand, local agent network, affordable rates | Customer service ratings not top-tier, may not be cheapest for young drivers | $836 | https://www.statefarm.com/: https://www.statefarm.com/ |
| 3 | Geico | Generally cheapest for good drivers, user-friendly online platform | Customer service not as personalized, reliant on online interaction | $963 | https://www.geico.com/: https://www.geico.com/ |
| 4 | Amica Mutual | Excellent customer service, competitive rates, strong financial stability | Limited availability, fewer coverage options | $1,024 | https://www.amica.com/: https://www.amica.com/ |
| 5 | Nationwide | Strong financial stability, wide range of coverage options, unique features | Rates can be higher, customer service not top-rated | $906 | https://www.nationwide.com/: https://www.nationwide.com/ |
| 6 | The Hartford | Long history, financial stability, rewards programs, specialized coverage | Rates can be higher | $1,088 | https://www.thehartford.com/: https://www.thehartford.com/ |
| 7 | Liberty Mutual | Strong local agent network, wide coverage options, discounts | Rates can be higher for minimum coverage, customer service ratings vary | $1,147 | https://www.libertymutual.com/customer-support/billing-and-payment-options: https://www.libertymutual.com/customer-support/billing-and-payment-options |
| 8 | Travelers | Strong financial stability, bundled discounts, wide coverage | Rates can be higher, website not as user-friendly | $1,163 | https://signin.travelers.com/: https://signin.travelers.com/ |
| 9 | Progressive | Innovative coverage options, user-friendly website and app, wide range of add-ons | Rates can be higher, customer service ratings vary | $1,190 | https://www.progressive.com/: https://www.progressive.com/ |
| 10 | Auto-Owners Insurance | Mutual company, excellent customer service, competitive rates | Limited availability, fewer coverage options | $1,052 | https://www.auto-owners.com/: https://www.auto-owners.com/ |
Frequently Asked Questions
Here you will find FAQ
What are the minimum car insurance requirements in Vermont?
All drivers in Vermont must carry the following minimum liability insurance:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 for property damage
What is the average cost of car insurance in Vermont?
The average cost of car insurance in Vermont is $1,024 per year for full coverage. However, your rates will vary depending on a number of factors, such as your driving record, your age, your credit score, and the type of car you drive.
What is the best car insurance company in Vermont?
The best car insurance company for you will depend on your individual needs and budget. However, some of the top-rated car insurance companies in Vermont include USAA, State Farm, Geico, Amica Mutual, and Nationwide.
What are some tips for saving money on car insurance in Vermont?
- Shop around for quotes from different insurance companies.
- Get a good driving record.
- Maintain a high credit score.
- Drive a safe and reliable car.
- Take advantage of any discounts that you may qualify for, such as good student discounts, senior discounts, or military discounts.
What should I do if I get into a car accident in Vermont?
If you get into a car accident in Vermont, you should do the following:
- Stop your car and check for injuries.
- Call 911 if anyone is injured.
- Exchange insurance information with the other driver(s) involved in the accident.
- File a police report.
- Contact your insurance company.