State profile · VT · CMS + NAIC
Vermont drivers average $893/yr for auto insurance, ranked #46 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
Vermont runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $893 a year for auto cover, below the $1191 national average (the 46th-most-expensive of 51 states), up 14% since 2019.
2019: $784 average expenditure
$784 avg expenditure
2020: $784 average expenditure
$784 avg expenditure
2021: $780 average expenditure
$780 avg expenditure
2022: $793 average expenditure
$793 avg expenditure
2023: $893 average expenditure
$893 avg expenditure
What this shows Vermont drivers' average auto cost rose 14% between 2019 and 2023.
Year over year, Vermont's average auto expenditure rose 12.6% from 2022 to 2023, part of a 14% increase (+$109) since 2019. See the full 5-year state-by-state comparison.
Vermont auto rates in detail →Vermont: $893/yr average auto expenditure (this state)
$893 avg expenditure
North Carolina: $925/yr average auto expenditure
$925 avg expenditure
Wisconsin: $922/yr average auto expenditure
$922 avg expenditure
Hawaii: $888/yr average auto expenditure
$888 avg expenditure
Iowa: $869/yr average auto expenditure
$869 avg expenditure
No issuer-level claim-denial data is reported for Vermont in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
Vermont's 2023 average auto expenditure was $893, 46th of 51 jurisdictions by cost and 25.0% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Vermont uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. Vermont's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Vermont's closest peers in PlainInsurer's dataset are Hawaii ($888/yr) and Iowa ($869/yr) -- both within a few dollars of Vermont's own $893/yr.
Border comparison. Vermont borders Massachusetts, New Hampshire, and New York. Vermont's auto costs run lower than all of them, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Vermont operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the Vermont Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.