Texas vs Vermont Car Insurance

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

Quick Verdict

More Affordable

Vermont is $940/yr cheaper on average.

Fewer Uninsured

Vermont has a lower uninsured rate (6.8% vs 14.1%).

Rate & Coverage Comparison

Attribute	Texas	Vermont
Avg Annual Premium	$1,940	$1,000
Min Liability	$640	$330
Full Coverage	$1,940	$1,000
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	14.1%	6.8%
Registered Vehicles	23,899,720	527,260
Accidents/Year	358,495	7,908
Population	29,146,000	643,000

Minimum Coverage Requirements

Texas

30/60 / 25 liability

Vermont

25/50 / 10 liability

Premium Comparison

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

Vermont$330 – $1,000

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

TexasFull 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, Texas or Vermont?

Vermont has cheaper car insurance, with an average annual premium of $1,000 compared to $1,940 in Texas - a difference of $940 per year.

How do Texas and Vermont compare on fault systems?

Texas 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 Texas vs Vermont?

Texas requires 30/60 / 25 liability. Vermont requires 25/50 / 10 liability. Minimum liability costs $640/yr in Texas and $330/yr in Vermont.

Which state has more uninsured drivers, Texas or Vermont?

Texas has a higher uninsured driver rate at 14.1%, compared to 6.8% in Vermont. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Texas 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

Texas

Vermont

Avg Annual Premium

$1,940

$1,000

Min Liability

$640

$330

Full Coverage

$1,940

$1,000

Fault System

At-Fault (Tort)

Uninsured Rate

14.1%

6.8%

Registered Vehicles

23,899,720

527,260

Accidents/Year

358,495

7,908

Population

29,146,000

643,000