Idaho vs Vermont Car Insurance

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

Quick Verdict

More Affordable

Vermont is $100/yr cheaper on average.

Fewer Uninsured

Vermont has a lower uninsured rate (6.8% vs 7.4%).

Rate & Coverage Comparison

Attribute	Idaho	Vermont
Avg Annual Premium	$1,100	$1,000
Min Liability	$360	$330
Full Coverage	$1,100	$1,000
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.4%	6.8%
Registered Vehicles	1,558,000	527,260
Accidents/Year	23,370	7,908
Population	1,900,000	643,000

Minimum Coverage Requirements

Idaho

25/50 / 15 liability

Vermont

25/50 / 10 liability

Premium Comparison

Idaho$360 – $1,100

Liability: $360Avg: $1,100Full: $1,100

Vermont$330 – $1,000

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

IdahoFull 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, Idaho or Vermont?

Vermont has cheaper car insurance, with an average annual premium of $1,000 compared to $1,100 in Idaho - a difference of $100 per year.

How do Idaho and Vermont compare on fault systems?

Idaho 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 Idaho vs Vermont?

Idaho requires 25/50 / 15 liability. Vermont requires 25/50 / 10 liability. Minimum liability costs $360/yr in Idaho and $330/yr in Vermont.

Which state has more uninsured drivers, Idaho or Vermont?

Idaho has a higher uninsured driver rate at 7.4%, compared to 6.8% in Vermont. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Idaho 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

Idaho

Vermont

Avg Annual Premium

$1,100

$1,000

Min Liability

$360

$330

Full Coverage

$1,100

$1,000

Fault System

At-Fault (Tort)

Uninsured Rate

7.4%

6.8%

Registered Vehicles

1,558,000

527,260

Accidents/Year

23,370

7,908

Population

1,900,000

643,000