Car Insurance for Age 16-19 in Vermont

Average auto insurance rates for 16-19 year old drivers in Vermont (VT), including male vs female rate comparison.

Avg Annual Rate

$2,700

$1,960 below national avg

Male Rate

$3,050/yr

Female Rate

$2,350/yr

Cost Rank

#50

of 51 states

Male vs Female Rates — Age 16-19 in Vermont

Gender	Annual	Monthly	vs Average
Male	$3,050	$254	+$350
Female	$2,350	$196	$-350
Average	$2,700	$225	—

Male drivers aged 16-19 pay $700 more per year in Vermont.

All Age Groups in Vermont

Age Group	Average	Male	Female
16-19 ←	$2,700	$3,050	$2,350
20-25	$1,800	$2,000	$1,600
26-35	$1,100	$1,150	$1,050
36-45	$1,000	$1,020	$980
46-55	$950	$970	$930
56-65	$920	$940	$900
65+	$1,050	$1,080	$1,020

Most & Least Expensive States for Age 16-19

Most Expensive

#1	Michigan	$7,290
#2	Louisiana	$7,020
#3	Florida	$6,750
#4	New York	$6,264
#5	Kentucky	$5,940
#6	Colorado	$5,670
#7	Georgia	$5,670
#8	California	$5,589
#9	Nevada	$5,589
#10	Oklahoma	$5,481

Least Expensive

#51	Maine	$2,430
#50	Vermont	$2,700
#49	New Hampshire	$2,835
#48	Idaho	$2,970
#47	Hawaii	$3,429
#46	Wisconsin	$3,456
#45	Ohio	$3,483
#44	North Carolina	$3,645
#43	Iowa	$3,645
#42	North Dakota	$3,672

Vermont Insurance Overview

State Avg Premium

$1,000/yr

Fault System

At-Fault (Tort)

Uninsured Rate

6.8%

📊

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

How much does car insurance cost for age 16-19 in Vermont?

The average annual car insurance premium for 16-19 year olds in Vermont is $2,700 (about $225/month). This is $1,960 below the national average of $4,660 for this age group.

Do males or females pay more for car insurance at age 16-19 in Vermont?

In Vermont, male drivers aged 16-19 pay more — $3,050/yr for males vs $2,350/yr for females, a difference of $700 per year.

How does Vermont rank for age 16-19 insurance costs?

Vermont ranks #50 out of 51 states for car insurance costs for 16-19 year olds (most expensive first). The cheapest state for this age group is Maine at $2,430/yr, while Michigan is the most expensive at $7,290/yr.

Why is car insurance cheaper for age 16-19 in Vermont?

Insurance rates for 16-19 year olds in Vermont are influenced by the state's at-fault (tort) system, local accident rates (7,908/yr), uninsured driver rate (6.8%), and population density. Vermont has 527,260 registered vehicles.

How can 16-19 year olds save on car insurance in Vermont?

16-19 year olds in Vermont can save by: comparing quotes from multiple insurers (USAA is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 16-19 Rates in Other States

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