Insurance Costs in Burlington, VT
Auto insurance in Burlington averages $1,147 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Burlington, VT: What You Need to Know
Burlington residents pay an average of $1,147 per year for full coverage auto insurance, which is 5.0% above the Vermont state average and 31.5% below the national average.
With a population of 44,743, Burlington is a growing city in Vermont. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,147 | $96 |
| Standard Coverage (50/100/50) | $941 | $78 |
| State Minimum (25/50/10) | $482 | $40 |
Homeowners Insurance in Burlington, VT
The average cost of homeowners insurance in Burlington is $969 per year ($81/month), which is 46.8% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Burlington, VT
Renters insurance in Burlington averages $156 per year ($13/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Vermont Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| South Burlington | $1,070/yr | $915/yr |
How to Save on Insurance in Burlington
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Burlington can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Burlington, VT?
The average cost of car insurance in Burlington, VT is $1,147 per year for full coverage, or about $96 per month. Minimum coverage costs around $482 per year.
Is car insurance expensive in Burlington?
Car insurance in Burlington is relatively affordable compared to many U.S. cities.
How much is home insurance in Burlington?
Homeowners insurance in Burlington costs an average of $969 per year. Your actual cost depends on your home's value, age, construction type, and specific location.