Vermont Car Insurance
Everything You Need To Know About Auto Insurance in Vermont
When you know how to get affordable car insurance in Vermont and understand Vermont DMV insurance requirements, you will likely have an easier time finding the best car insurance in Vermont. To get started answering, “How much does car insurance cost in Vermont?” here is a look at the state itself.
Almost 650,000 people live in Vermont, a state consisting of just over 9,000 square miles of land and nearly 400 square miles of water. The state is known for its Green Mountains, which are more than 400 million years old, and for other areas such as the Northeast Highlands, with its streams and granite peaks, and the Vermont Piedmont, which includes the Connecticut River Valley.
The state’s sizable portion of forest land supplies a high percentage of Vermont’s revenue. The state is also a large producer of maple syrup and granite, marble, and slate. The beautiful winter scenery, paired with warm summers, makes tourism a major player in the state’s economy, with numerous resorts and hotels providing many jobs. Vermont’s capital, Montpelier, is about one-fifth the size of the state’s largest city, Burlington, located on the shores of Lake Champlain.
The state averages about 110 inches of snowfall in some areas, where temperatures can sometimes drop to -34 degrees, with rainfall totals averaging around 40 inches. The weather, number of tourists, and risk of encountering wildlife on the roads are just three reasons why having the best auto insurance in Vermont is essential.
InsureOne agents build customized plans with competitive rates — the expert agents are standing by to shop around for you, so you can stop spending your time searching the internet for “What are the car insurance laws in Vermont?” and “How to get affordable car insurance in Vermont,” and get back to doing the things you love.
How Much Does Car Insurance Cost in Vermont?
For full coverage car insurance in Vermont, drivers pay about $1,660, and about $365 for minimum liability insurance, which is much lower than the national average of $2,014 for full coverage and $622 for minimum coverage.
Auto insurance in Vermont is more affordable, in part, due to many rural areas with less traffic than in states with a larger number of big cities and heavy traffic. There are also a few natural disasters in the state and a low incidence of auto theft. There are, however, still ways to potentially lower your rate — for example, you may be eligible for discounts for car insurance in Vermont for maximum cost savings.
What Does It Mean If Vermont Is an At-Fault or No-Fault State?
In no-fault states, each driver’s own insurance covers their medical bills and certain other losses after an accident, regardless of who caused it.
Vermont is an at-fault state: If you cause an accident, you pay for the costs for both medical and property damage. If you have questions about Vermont’s at-fault vs. no-fault rules, your agent can answer them and go over how they may affect your situation.
Affordable Car Insurance Rates Comparison by Cities in Vermont
Vermont car insurance premiums are determined on a case-by-case basis depending on your personal information, including where you live. But car coverage costs are pretty similar no matter what Vermont city you live in, as shown in the following chart:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Burlington | $126 | $30 |
| Rutland | $135 | $28 |
| Essex | $127 | $31 |
| Milton | $134 | $28 |
| Montpelier | $127 | $26 |
| Waterbury | $138 | $26 |
| Hartland | $133 | $26 |
We arrive at our average auto insurance costs by using a male driver, aged 30, with a clean driving record. Liability insurance coverage is the state‑required minimum. Full coverage is a 100K/300K/100K policy. Your costs will be different and based on your individual factors.
How Bundling Can Save Money in Vermont
Car coverage costs depend on various factors, including whether you bundle your policies. Bundling means buying more than one type of coverage from one insurer. If you need home coverage for your Burlington home, you can bundle it with your auto insurance in Vermont and save up to 25% off your policies. You can even bundle your auto coverage with your renters coverage for your Ludlow home and save up to 15% off your policies.
When you meet with your agent, explain that you would like to apply a multi-policy discount to your Vermont car insurance. Wherever you live in Vermont and whatever kind of insurance you need (e.g., motorcycle coverage, RV, ATV), you can save money by bundling policies. If you would like to pay just one monthly bill, manage just one set of policy documents, and have one agent handle all your shopping, ask about bundling.
If you are still wondering about the cost of coverage for your specific circumstances, have your one-stop-shop agent compare car insurance quotes in Vermont for the best cost savings.
Auto Insurance Discounts in Vermont
How else can you get affordable car insurance in Vermont? Ask your agent about available discounts for car insurance in Vermont. Your insurer may offer the following discounts:
- Senior
- Military
- Good driver
- Good student
- Paperless billing
- Antitheft devices
- Car safety features
Vermont Car Insurance Laws
In addition to Vermont’s at-fault vs. no-fault rules, what are the car insurance laws in Vermont? DMV insurance requirements state that you must have liability insurance in Vermont to drive legally. Here are the details:
What Are the Mandatory Car Insurance Requirements in Vermont?
The required minimum limits of Vermont’s DMV insurance requirements are:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability: $10,000
- Uninsured/underinsured motorist per person: $50,000
- Uninsured/underinsured motorist per accident: $100,000
- Uninsured/underinsured property damage: $10,000
Keep in mind that liability insurance in Vermont excludes coverage for your own vehicle in an accident you cause. To avoid paying out of pocket for your own property damage, ask your agent about adding collision coverage. Comprehensive insurance covers non-collision types of auto loss, such as fire, hail, or theft.
Your agent can answer all your questions about full coverage car insurance in Vermont and set you up with the high-quality coverage you need for the best protection.
What Is the Penalty for Driving Without Insurance in Vermont?
If you are a few days past your insurance payment’s grace period when a police officer pulls you over on Route 100 in Waterbury, you will likely receive a citation for driving while uninsured.
Driving without the minimum car insurance requirements in Vermont is illegal. If you are caught, you face fines, points that factor negatively against your driving privileges and license, and you may need SR-22 insurance. Vermont may require an SR-22 filing for at least three years in certain situations. The SR-22 is a certificate of financial responsibility, not a separate insurance policy.
You must have an insurance company, rather than an agent, file the SR-22 insurance in Vermont. And if your coverage lapses, you face license suspension. Your agent can go over Vermont auto insurance laws more in depth, plus the details about full coverage car insurance in Vermont.
What Factors Does Vermont Law Allow in Determining Your Premiums?
When your insurer is determining your unique rates for the best car insurance in Vermont, they will look at your personal information, including:
- Mileage
- Your age
- Your gender
- Your ZIP code
- Driving experience
- Car make and model
- Car usage (business or pleasure)
What Happens If I Damage Property?
When you are driving down I-89 near Montpelier and rear-end another vehicle, causing $7,000 in damage, you will be happy to know you have your $10,000 in liability coverage to pick up the tab. But if that accident winds up costing $12,000, you will pay out of pocket for the extra $2,000.
One way to avoid these out-of-pocket costs is to bump up your liability coverage. Your agent can compare car insurance quotes in Vermont to find a policy personalized for your lifestyle that provides the coverage you need for peace of mind. Your insurer can even help you better understand Vermont auto insurance laws.
Driving Conditions in Vermont
More frequent snowstorms, freeze-thaw cycles, and floods in the state have damaged highways and roads, leaving them rutted with potholes and creating dangerous driving conditions. Rainstorms also cause slippery roads and make it harder to spot potholes. Road construction to fix this damage leads to slow traffic and closed roads, which may test driver patience.
Before you set out, prepare yourself by checking current traffic conditions at New England 511. You can also prepare by making sure you carry the coverage required under Vermont auto insurance laws.
How Many Crashes Occur in Vermont?
In 2024, 59 fatal car accidents happened in Vermont. Here is a breakdown of accident rates in some Vermont cities:
| City | Annual Average Number of Fatal Car Crashes |
|---|---|
| Burlington | 1 |
| Rutland | 0 |
| Essex | 0 |
| Milton | 0 |
| Montpelier | 0 |
| Waterbury | 0 |
| Hartland | 0 |
Uninsured/Underinsured Motorists in Vermont
According to statistics from the Insurance Information Institute, 11.8% of Vermont drivers were uninsured in 2023, ranking it 29th among the 50 states. Vermont requires its drivers to carry uninsured/underinsured motorist bodily injury and property damage coverage, which helps protect you financially from these uninsured drivers.
Get the Best Car Insurance in Vermont Today
When it comes to auto coverage, you have choices. If you need help with SR-22 insurance in Vermont or just want to know more about the answers to questions like, “What are the car insurance laws in Vermont?” come to InsureOne. Our concierge agents are ready to provide you with top-tier service. We do all the shopping for you, providing white-glove service to find you the high-quality coverage you can count on. To get started in English or Spanish, you can call us at (800) 836-2240, fill out an online form, or visit us at your local Vermont office.
FAQs
How Much Does Car Insurance Cost in Vermont?
Drivers pay about $1,660 for full coverage car insurance and $365 for minimum liability insurance in Vermont. Your actual cost depends on your specific information.
What Are the Minimum Car Insurance Requirements in Vermont
Vermont DMV insurance requirements necessitate drivers to carry $25,000 in bodily injury liability per person, $50,000 bodily injury liability per accident, and $10,000 in property damage liability. You must also carry $50,000 in uninsured/underinsured motorist per person, $100,000 in uninsured/underinsured motorist per accident, and $10,000 in uninsured/underinsured property damage.
Is Vermont an At-Fault or No-Fault State for Car Insurance?
Vermont is an at-fault state. You must pay for the damage you cause in an accident that is your fault. Ask your agent about Vermont’s at-fault vs. no-fault rules for more details geared toward your specific situation.
What Factors Influence Car Insurance Rates in Vermont?
Your premiums depend on personal factors such as your driving history, age, vehicle, ZIP code, deductible, coverage limits, and any discounts you qualify for. Your cost also depends on whether you purchase coverage that meets the minimum car insurance requirements in Vermont or full coverage. Ask your agent to compare car insurance quotes in Vermont to find a rate that best fits your needs.