Best home insurance companies in Vermont: Auto-Owners
The best home insurance company in Vermont for 2024 is Auto-Owners. State Farm, Allstate, Farmers, and Travelers are among the top home insurance companies in Vermont based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | NAIC complaint ratio | Insurance.com score | Average annual rate |
|---|---|---|---|---|
| Auto-Owners | A++ | 0.37 | 4.97 | $793 |
| State Farm | A++ | 0.83 | 4.37 | $1,258 |
| Allstate | A+ | 1.46 | 3.55 | $798 |
| Farmers | A | 0.67 | 2.87 | $1,868 |
| Travelers | A++ | 1.10 | 2.60 | $3,024 |
Cheapest home insurance companies in Vermont: Vermont Mutual
Below are Vermont home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Vermont Mutual has the most affordable rates for all coverage levels except $1,000,000.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Vermont Mutual | $554 | $712 | $839 | $1,125 | $1,760 |
| Auto-Owners | $666 | $793 | $945 | $1,248 | $1,851 |
| Allstate | $632 | $798 | $974 | $1,204 | $1,640 |
| USAA* | $740 | $1,008 | $1,257 | $1,694 | $2,472 |
| Co-operative Insurance | $852 | $1,231 | $1,610 | $2,141 | $3,315 |
| Union Mutual | $951 | $1,232 | $1,524 | $2,109 | $3,341 |
| State Farm | $969 | $1,258 | $1,482 | $2,060 | $3,100 |
| Farmers | $1,311 | $1,868 | $2,492 | $3,588 | $6,070 |
| Travelers | $2,515 | $3,024 | $3,590 | $5,175 | $8,683 |
*USAA only provides coverage to military members, veterans and their families.
Average home insurance cost in Vermont
The average cost of homeowners insurance in Vermont is $1,263 a year or $105 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Vermont homeowners insurance companies to get the best deal.
Vermont home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Vermont to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
Home insurance calculator
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
Most expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
Least expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Vermont Department of Financial Regulation says...
The homeowner's market is competitive in nature. Therefore, it pays to shop around. Rates may vary considerably from one company to another. However, rates are not the only factor to consider. A company's service record and reputation are important and may justify paying slightly more for a policy. Also, some companies may be more willing than others to insure you for a certain type of risk.
- The Vermont Department of Financial RegulationThe most expensive ZIP codes in Vermont for home insurance
Vermont homeowners insurance rates are the most expensive for ZIP code 05750 with an average annual cost of $1,444.
The most expensive ZIP codes in Vermont are:
| ZIP code | Average annual rates |
|---|---|
| 05750 | $1,444 |
| 05741 | $1,442 |
| 05745 | $1,439 |
| 05159 | $1,438 |
| 05357 | $1,437 |
| 05746 | $1,420 |
The least expensive ZIP codes in Vermont for home insurance
The cheapest ZIP codes for home insurance in Vermont are:
| ZIP code | Average annual rate |
|---|---|
| 05404 | $1,120 |
| 05452 | $1,141 |
| 05408 | $1,143 |
| 05401 | $1,143 |
| 05403 | $1,145 |
| 05495 | $1,145 |
Vermont homeowners insurance rates by county
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Addison | $1,233 | $103 |
| Bennington | $1,281 | $107 |
| Caledonia | $1,281 | $107 |
| Chittenden | $1,198 | $100 |
| Essex | $1,253 | $104 |
| Franklin | $1,264 | $105 |
| Grand Isle | $1,243 | $104 |
| Lamoille | $1,281 | $107 |
| Orange | $1,251 | $104 |
| Orleans | $1,275 | $106 |
| Rutland | $1,282 | $107 |
| Washington | $1,232 | $103 |
| Windham | $1,299 | $108 |
| Windsor | $1,277 | $106 |
Compare Vermont homeowners insurance rates with other states
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