Average insurance rates across 7 cities in Vermont
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Burlington | 123,307 | $972 | $1,134 | $587/mo | $13/mo |
| South Burlington | 20,241 | $972 | $1,134 | $587/mo | $13/mo |
| Rutland | 15,819 | $972 | $1,134 | $587/mo | $13/mo |
| Essex Junction | 10,646 | $972 | $1,134 | $587/mo | $13/mo |
| Barre | 8,488 | $972 | $1,134 | $587/mo | $13/mo |
| Winooski | 8,122 | $972 | $1,134 | $587/mo | $13/mo |
| Montpelier | 8,030 | $972 | $1,134 | $587/mo | $13/mo |
Vermont residents pay an average of $900 per year for home insurance and $1,050 for auto insurance. Vermont follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/10.
Health insurance in Vermont averages $580 per month for an individual Silver marketplace plan. The weather risk level is low, with moderate natural disaster risk. Top insurance providers in Vermont include Amica, USAA, State Farm.
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Policygenius The ZebraThe average home insurance cost in Vermont is $900 per year. Rates range from $550 to $1,350 depending on home value, location, and coverage level.
Auto insurance in Vermont averages $1,050 per year for full coverage. The state minimum coverage is 25/50/10.
Vermont has below-average insurance costs, with home insurance at $900/yr and auto at $1,050/yr compared to national averages of $2,300 and $1,800 respectively.
Vermont requires minimum liability coverage of 25/50/10 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.