Arizona vs Vermont Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Vermont is $870/yr cheaper on average.

Fewer Uninsured

Vermont has a lower uninsured rate (6.8% vs 11.8%).

Rate & Coverage Comparison

Attribute	Arizona	Vermont
Avg Annual Premium	$1,870	$1,000
Min Liability	$620	$330
Full Coverage	$1,870	$1,000
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.8%	6.8%
Registered Vehicles	5,968,780	527,260
Accidents/Year	89,531	7,908
Population	7,279,000	643,000

Minimum Coverage Requirements

Arizona

25/50 / 15 liability

Vermont

25/50 / 10 liability

Premium Comparison

Arizona$620 – $1,870

Liability: $620Avg: $1,870Full: $1,870

Vermont$330 – $1,000

Liability: $330Avg: $1,000Full: $1,000

ArizonaFull rates, age breakdown, requirements →VermontFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Arizona or Vermont?

Vermont has cheaper car insurance, with an average annual premium of $1,000 compared to $1,870 in Arizona - a difference of $870 per year.

How do Arizona and Vermont compare on fault systems?

Arizona uses a at-fault (tort) system while Vermont uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Arizona vs Vermont?

Arizona requires 25/50 / 15 liability. Vermont requires 25/50 / 10 liability. Minimum liability costs $620/yr in Arizona and $330/yr in Vermont.

Which state has more uninsured drivers, Arizona or Vermont?

Arizona has a higher uninsured driver rate at 11.8%, compared to 6.8% in Vermont. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arizona vs Vermont insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Arizona

Vermont

Avg Annual Premium

$1,870

$1,000

Min Liability

$620

$330

Full Coverage

$1,870

$1,000

Fault System

At-Fault (Tort)

Uninsured Rate

11.8%

6.8%

Registered Vehicles

5,968,780

527,260

Accidents/Year

89,531

7,908

Population

7,279,000

643,000