Minimum Coverage Car Insurance Cost in Vermont
Minimum coverage car insurance in Vermont costs about $470 a year ($39 a month), which is 40% below the US average. Most prices fall from $270 to $840.
Minimum Coverage Car Insurance Cost in Vermont
| Low | Typical | High | |
|---|---|---|---|
| Vermont | $270 | $470 | $840 |
| US average | $450 | $780 | $1,400 |
Insurers price by state because accident rates, theft, storms and legal costs differ from place to place. We rank Vermont number 1 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 0.60 (1.00 is the US average).
What the price covers
The figures are for state-minimum liability only, clean record. Minimum liability pays for damage you cause to others, not your own car. Limits differ by state.
Ways to pay less in Vermont
- Minimum limits are low. One serious accident can exceed them and leave you personally liable.
- Many drivers add higher liability limits for a small extra cost.
- Check your state's minimum limits on its DMV or insurance department site.
Frequently asked questions
How much is liability insurance for a car?
In Vermont the typical price is about $470 a year ($39 a month), with a range of $270 to $840.
Is minimum coverage car insurance more expensive in Vermont than average?
It is 40% below the US average of $780.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.