For a 40-year-old driver with a clean record, car insurance in Burlington, VT, costs about $136 a month ($1,629 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 4% below the Vermont average of $141 a month. Full-coverage averages in Burlington run from about $69 to $195 a month across the six major insurers we compared (Allstate, Concord Group, GEICO, Progressive, State Farm and Vermont Mutual).
Comparing auto insurance quotes in Burlington, VT? Start with the insurer, not the neighborhood: the lowest and highest insurer averages in Burlington are about nine times as far apart as the least and most expensive of the 32 Vermont places we price, which fall within about $14 a month of each other.
Burlington is the fifth-least expensive of the 32 Vermont places in our city table, about $5 a month below the Vermont average. Our figures cover the two ZIP codes with a Burlington mailing address that we price, 05401 and 05408; our rate data doesn’t include 05405, another ZIP code inside the city. For statewide prices and how Vermont’s insurers compare, see our guide to Vermont car insurance rates.
Cost data comes from the auto rates insurers file with state regulators, priced across both Burlington ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Burlington, VT?
Car insurance in Burlington, VT, costs about $136 a month ($1,629 a year) for full coverage, for our benchmark driver. Liability-only coverage at Vermont’s 25/50/10 minimum averages $410 a year ($34 a month), and 50/100/50 liability with comprehensive and collision averages $1,576 ($131 a month).
- Full coverage (100/300/100, $500 deductibles): $1,629 a year ($136 a month)
- 50/100/50 with $500 deductibles: $1,576 a year ($131 a month)
- Liability only (25/50/10): $410 a year ($34 a month)
- Chittenden County: $1,647 a year ($137 a month) for full coverage
- Vermont average: $1,686 a year ($141 a month) for full coverage
- ZIP code range: $135 (05401) to $136 (05408) a month for full coverage
Progressive is priced far below the other insurers here, at about $69 a month for full coverage, about half the average of the other five insurers. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Progressive, the Burlington average would be about $149 a month.
Cheapest Car Insurance in Burlington, VT: Companies Compared
- Full-coverage range: about $69 to $195 a month across the six insurers in our rate data, for the same driver and car.
- Lowest liability-only average among the six major insurers we compared (25/50/10): Progressive, at about $27 a month, then Allstate and GEICO, effectively tied at $30 and $31. We price Co-operative Insurance Companies* from published rate studies, and it comes in lower, at about $24 a month.
- Also on our list: USAA at about $90 a month for full coverage, Auto-Owners at $132, Nationwide at $133 and Co-operative at $136 (USAA sells only to military families).
- Most expensive for full coverage in our data: Allstate, at about $195 a month.
Progressive’s Burlington average, about $69 a month, is 44% below State Farm’s ($123), a lead wide enough that we show the range instead of naming a single cheapest insurer. The published 2026 statewide Vermont rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the seven, two put State Farm first, two Union Mutual and one each Progressive, Co-operative and Vermont Mutual, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among these six insurers, at about $27 a month, followed by Allstate and GEICO, effectively tied at $30 and $31. At about $24 a month, Co-operative Insurance Companies* is lower; we price it from published rate studies.
Full-coverage averages by insurer in Burlington
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $321 | $27 | $832 | $69 |
| State Farm | $463 | $39 | $1,475 | $123 |
| GEICO | $369 | $31 | $1,602 | $134 |
| Vermont Mutual | $481 | $40 | $1,605 | $134 |
| Concord Group | $469 | $39 | $1,913 | $159 |
| Allstate | $359 | $30 | $2,345 | $195 |
| USAA (military families)* | $269 | $22 | $1,080 | $90 |
| Auto-Owners Insurance* | $378 | $32 | $1,588 | $132 |
| Nationwide* | $667 | $56 | $1,598 | $133 |
| Co-operative Insurance Companies* | $293 | $24 | $1,633 | $136 |
| Burlington average | $410 | $34 | $1,629 | $136 |
This table uses Burlington ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Burlington?
Raising liability limits from 50/100/50 to 100/300/100 adds only about $53 a year on average in our Burlington data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Burlington?
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Burlington ZIP codes, their full-coverage average fell from $1,569 a year nine months earlier to $1,485 in rates as of Aug. 31, 2026, a 5.4% drop. Progressive cut its Burlington average 27.8% and State Farm 11.3%, while Concord Group raised its average 4.8%; GEICO’s and Vermont Mutual’s averages were about unchanged. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Burlington average above. Liability-only coverage at 25/50/10 limits fell 3.2%, led by Progressive, which cut its liability-only average 23.9%.
What Shapes Car Insurance Costs in Burlington
Chittenden County averages about $137 a month for full coverage, the least expensive of the 11 Vermont counties we price, and four of the six least expensive Vermont places we price are in it: South Burlington ($134), Colchester ($135), Burlington ($136) and Winooski ($137).
Liability-only coverage runs the other way. It averages about $34 a month in Burlington, against $31 statewide, and the seven highest liability-only averages of the 32 Vermont places we price are all in Chittenden County, Burlington’s among them. Where you keep your car is one of the things Vermont insurers price, so neighboring towns can cost different amounts.
How Burlington Car Insurance Compares With Nearby Vermont Towns
More Vermont cities and towns are in the Vermont rates by city table, and you can compare states on our car insurance rates by state page.
South Burlington, next door, averages about $134 a month, the lowest of the 32 Vermont places we price, and Colchester averages $135. Winooski, to the northeast, and Essex Junction, to the east, both average $137, and Shelburne, to the south, $140. Each has its own row in our Vermont city table.
What Car Insurance Is Required in Burlington?
Drivers in Burlington follow Vermont’s rules. Every Vermont auto policy must include at least:
- Liability coverage of $25,000 per person and $50,000 per crash for injuries and $10,000 for property damage (25/50/10)
- Uninsured and underinsured motorist coverage of at least $50,000 per person and $100,000 per crash, plus up to $10,000 for property damage with a $150 deductible
Uninsured motorist coverage matches your liability limits unless you choose otherwise, under 23 V.S.A. § 941, and medical payments, collision and comprehensive coverage are optional. You can show proof of insurance on your phone, and if you’re ticketed for not having proof, sending it within seven business days avoids a conviction, under § 800. Our Vermont requirements guide covers the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Burlington
- Compare Progressive and State Farm first. They have the two lowest full-coverage averages in our Burlington data, about $69 and $123 a month.
- Quote several insurers. In our Burlington data, the lowest and highest insurer averages are about $126 a month apart for the same driver and car.
- Keep uninsured motorist coverage at your liability limits. Every Vermont policy includes it at 50/100 or more, and it matches your liability limits unless you choose otherwise, under 23 V.S.A. § 941. Our full-coverage prices include it at 100/300.
- Compare at every renewal. Over the past nine months, Progressive has cut its Burlington average 27.8% and State Farm 11.3%, while Concord Group has raised its average 4.8%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Burlington home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Burlington Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 12 full-coverage premiums from six insurers across two Burlington ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- ZIP codes: our Vermont averages come from the 33 Vermont ZIP codes Quadrant samples, which cover 32 cities and towns in 11 of the state’s 14 counties; every place but Burlington is one ZIP code. We publish the averages as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Vermont’s 25/50/10 minimum, with 50/100 uninsured and underinsured motorist coverage and no comprehensive or collision. Every Vermont policy must also include uninsured and underinsured motorist coverage of at least 50/100, plus up to $10,000 for property damage with a $150 deductible, under 23 V.S.A. § 941.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Allstate is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Vermont rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Vermont law and the Vermont Department of Financial Regulation. We refresh these figures when new rate data is released.
Burlington Car Insurance FAQ
Car insurance in Burlington, VT, costs about $136 a month ($1,629 a year) for full coverage and about $34 a month for liability-only coverage at the 25/50/10 state minimum, for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 4% below the Vermont average of $141 a month.
It depends on the coverage. For full coverage, averages in Burlington run from about $69 to $195 a month across the six major insurers we compared, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage, Progressive has the lowest average among the six major insurers we compared, at about $27 a month. Co-operative Insurance Companies*, which we price from published rate studies, comes in lower, at about $24 a month. The published 2026 statewide Vermont rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the seven, two put State Farm first, two Union Mutual and one each Progressive, Co-operative and Vermont Mutual, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Only slightly, for our benchmark driver. South Burlington full coverage averages about $134 a month and Burlington about $136, about $2 a month apart, and South Burlington is the least expensive of the 32 Vermont places we price. The insurer you pick matters more: Burlington averages run from about $69 to $195 a month.
The Department of Financial Regulation lists liability and uninsured and underinsured motorist coverage as the mandatory coverages on every Vermont policy, and medical payments coverage is optional. After a crash, you can recover damages from the other driver as long as your share of the fault isn’t greater than theirs, under Vermont’s comparative negligence law, and your recovery drops by your share.
In our Burlington data, full coverage (100/300/100 with $500 deductibles) averages about $136 a month and liability-only coverage at 25/50/10 limits about $34, a difference of about $102 a month ($1,219 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Vermont law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Burlington must carry Vermont’s minimum liability coverage: $25,000 per person and $50,000 per crash for injuries and $10,000 for property damage (25/50/10). Every policy must also include uninsured and underinsured motorist coverage of at least $50,000 per person and $100,000 per crash, plus up to $10,000 for property damage. You can show proof of insurance on your phone.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past nine months), their Burlington full-coverage average fell 5.4%, from about $1,569 to $1,485 a year. That’s lower than the Burlington average of $1,629 because it leaves out Allstate. Progressive cut its Burlington average 27.8% and State Farm 11.3%, while Concord Group raised its average 4.8%. Liability-only coverage at 25/50/10 limits fell 3.2%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
