Co-Operative Insurance Companies
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Co-op has been meeting insurance needs since 1915. Our roots are in farming, but as times and customers' needs have changed, so have we. These days, we offer protection for farms, homes, autos, businesses, and more in Vermont and New Hampshire. We're owned by our members and committed to protecting them with loss prevention expertise, fast and fair claims service, and a local presence.

Co-op has headquarters in Middlebury, VT, and claims and loss control offices around Vermont and New Hampshire. But we're always as close as your local agent. Our agents work in more than 95 offices across both states; they understand local needs and can help you find the protection you need. The company values honesty, respect, hard work, and face-to-face relationships while continuing to grow and advance as a 21st-century company.
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Co-op has been building relationships and trust, one member, one neighborhood, one town at a time for a century. When you become a member, you gain more than the peace of mind that comes with having superior insurance coverage. You join a group of people who care about their neighbors and the places they live, and do their best to help them succeed.
Your agent is usually your first contact, but we're happy to help, too! Contact us at the numbers below. NOTE: Co-op Insurance writes policies only in the US states of Vermont and New Hampshire. Auto glass claim? Need roadside assistance? Prefer to report online for next-day response? By submitting or sending information through Co-op's website, I acknowledge that I understand and accept the Terms and Conditions.
We believe that choosing to work with a local agent is the most important decision you can make when it comes to shopping for insurance. As your life changes, so do your insurance needs, even when you don't realize it. Having a relationship with a local agent makes it easier to keep your coverage up to date so you have the protection you need when you need it.
Your policy can provide liability and business interruption protection, as well as many other features. And we even offer business vehicle insurance through Co-op's commercial auto program. Co-op's claims service is fast and fair, our rates are competitive, with a variety of discounts and credits available, and our many payment options work with almost any budget.
Why is Co-op's personal auto insurance one of our fastest growing lines? Our competitive rates, first-accident forgiveness, and account credit if you insure your home or farm with us are some of the main reasons. Discounts for safety equipment such as airbags, anti-lock brakes, daytime running lights and anti-theft devices.
Reviews (9)
Amanda Bolduc
Amanda Bolduc
Feb 17, 2021
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Critical: Professionalism, Value
Cooperative Insurance will not insure property with certain breeds present.
Joe Eclypse
Joe Eclypse
Jan 21, 2021
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OUTSTANDING customer service! Extremely professional and efficient! They go the extra mile to get you the best rates!
Bill Praetorius
Bill Praetorius
Dec 04, 2020
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Positive: Professionalism
As a water and fire damage mitigation contractor we deal with almost 100 different carriers. I rate Co-Operative Insurance at the very top of the list for their excellent claim services. The adjusters are always onsite promptly and payments are very fair and quickly issued. Keep up the great work !
Andy Skypack
Andy Skypack
Nov 17, 2019
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Fantastic Vermont business that treats their members like family. Very responsive and professional team, highly recommend.
Jacques Couture
Jacques Couture
Nov 05, 2019
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For all you business, property, and auto insurance needs, this company is the very best. It's not just about price. Their service will be there when you need it! Over 100 years of top quality service to protect its members.
Amm Maa
Amm Maa
Oct 25, 2019
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I have to agree with Alison, this company was very unwilling to answer any questions when I called. I was looking for car insurance for my family and requested basic co-op information about how it worked and for references. They would not provide either and were quite rude on the phone. No idea why. Maybe it's more like a country club type of group?
Chris Custer
Chris Custer
Jun 25, 2019
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My poor Jeep was hit in a parking lot and left without a note from anyone. I was amazed at how easy it was to file a claim and have the vehicle fixed. The process was painless and they honored my request to get it fixed at Foster Motors. Their communication was quick and easy. They even setup a rental car while mine was in the shop. I did not have to lift a finger. Thank you Co-operative Insurance... you make me very happy!
Allison Markowitz
Allison Markowitz
Nov 13, 2018
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They don't follow up or respond to simple questions. They show no consideration for disrupting your work schedule. Rude. Especially David Palmer.
Roger Hamilton
Roger Hamilton
Jun 07, 2018
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I've been with Co-op for a few years and I recently had an accident. Within a few hours, they were able to help me, have my vehicle inspected and had a check to me in no time. Their follow-up is very quick. Amazing customer service.