How Much Does Car Insurance Cost in Burlington, VT?
- State minimum liability on average in Burlington, VT costs $51 a month or $617 a year. Full coverage auto policies costs around $196 a month or $2,351 a year in Burlington.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Burlington – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
What are the Cheapest Car Insurance Companies in Burlington, VT?
- In Burlington the cheapest car insurance companies on average are Concord, GEICO and State Farm. State minimum liability car insurance starts at $31 a month or $369 a year with Concord Insurance. The cheapest full coverage car insurance starts at $119 a month or $1,433 a year.
Here are the average policy rates from the cheapest local and national insurance providers in Burlington from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Concord | $369 | $31 | $1,433 | $119 |
| GEICO | $451 | $38 | $2,018 | $168 |
| State Farm | $540 | $45 | $2,144 | $179 |
| Progressive | $605 | $50 | $2,150 | $179 |
| Vermont Mutual | $699 | $58 | $4,733 | $394 |
Finding a Cheap Auto Insurance Policy in Burlington, VT
Burlington, Vermont is known for its picturesque landscapes and vibrant community. However, when it comes to auto insurance policy rates in this area, drivers may find themselves facing high premiums. To ensure that they are getting the best deal possible on their car insurance coverage, it is important for residents of Burlington to shop around and compare quotes from multiple companies. With InsuranceQuotes’ user-friendly quote form and real-time cost comparison tools, drivers can easily see which local or national insurance providers offer the most affordable rates. By taking advantage of these resources, individuals can save money while still obtaining quality coverage for their vehicles in Burlington’s competitive market.
How Much Car Insurance Do I Need in Vermont?
In Vermont, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Vermont includes:
- Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Vermont requires minimum bodily injury liability coverage of:
- $25,000 per person injured in any one accident
- $50,000 for multiple persons injured in any one accident
- Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Vermont requires minimum property damage liability coverage of:
- $15,000 for injury to or destruction of property of others in any one accident
These are the minimum coverage requirements mandated by Vermont law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.
While the above coverages are required by law, Vermont also offers additional optional coverage types for drivers to consider, including:
- Liability Coverage: This coverage is required by law in Vermont and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
- Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
Car insurance in Burlington, VT averages $28/month for minimum coverage and $88/month for full coverage in 2026. USAA offers competitive rates starting around $22/month. Comparing multiple quotes is the best way to find your lowest rate in Burlington.
VT requires minimum coverage of 25/50/10. VT is a tort state — the at-fault driver is responsible for all resulting damages. Driving uninsured in VT can result in license suspension and fines.
No. VT is a tort state. The at-fault driver is legally responsible for the other party’s injuries and property damage.
For Burlington drivers in 2026, USAA is among the most affordable options in VT starting around $22/month for minimum coverage. State Farm, GEICO, and Progressive are also widely available. Comparing at least three quotes at each renewal is essential since rates shift year to year.
Vermont is the cheapest state in the country for full coverage car insurance, averaging just $88 per month for full coverage in 2026. To lower your Burlington premium: (1) compare at least three carrier quotes annually, (2) maintain a clean driving record, (3) bundle auto and home or renters for 5 to 15% savings, and (4) raise your deductible to $1,000 on full coverage to reduce premiums 10 to 15%.
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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.
