Vermont auto insurance averages - $893.16 per year in 2023, ranked #46 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Vermont sits below the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $893.16 ▲12.6% | $381 |
| 2022 | $792.96 ▲1.7% | $354 |
| 2021 | $779.96 ▼0.6% | $361 |
| 2020 | $784.31 ▲0.1% | $367 |
| 2019 | $783.69 | $375 |
Evidence lead: 2023 cost position
Vermont's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
Vermont records $893.16 in 2023 average expenditure and ranks #46 of 51. This lowest-cost tier describes the statewide blend in the NAIC table, not the cheapest available policy. Individual premiums can still sit far above or below the state figure because the source is an aggregate market measure.
Year-by-year shape
Vermont's series dips once, -0.6% in 2021, and finishes above where it started without moving far. Both the dip and the recovery are small: the latest step is +12.6% and the largest single move is +12.6% in 2023. The five-year picture is closer to flat than to a trend.
Five-year movement
From 2019 to 2023, Vermont changed +14.0%, ranking #38 of 51 for growth in average expenditure. The state moved more slowly than the central cohort. A slower statewide change does not imply a particular resident's renewal was stable; the source tracks an aggregate across the market.
Coverage-component signature
Vermont's most distinctive 2023 component is liability: $381.00, or 42.8% below the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Narrow registry context
Vermont's complaint lookup is comparatively narrow: 37 represented companies and 4,163 records, ranking #45 and #45 among 51 jurisdictions. The smaller footprint makes the displayed denominators essential context. It must not be converted into a complaint-rate judgment or used as a causal story for the separate auto-cost series.
Nearest expenditure peers. By average expenditure, Vermont's closest peers in this dataset are Hawaii ($888.07) and Iowa ($869.46), both within a few dollars of Vermont's own $893.16.
Note on state comparisons: These averages reflect the mix of coverages purchased in Vermont, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
