Vermont drivers, get the inside scoop on state minimums, auto insurance laws, coverage options, and more in one place. We have everything you need to know about car insurance in Vermont.

Vermont Auto Insurance Requirements

Vermont is an at-fault state, meaning if you cause an accident, your insurance will have to pay for the damages caused to everyone involved. Here’s what you’ll need and how much of it to obey the law:

  • $25,000 for bodily injury liability, per person per accident
  • $50,000 for bodily injury liability, total per accident
  • $10,000 for property damage liability per accident
  • $50,000 in uninsured/underinsured coverage, per person
  • $100,000 in uninsured/underinsured coverage, per accident

What Happens If You Don’t Have Insurance

If you can’t prove you have insurance, you’ll be in trouble. If you don’t have it at all, double that. Here’s what can happen if you drive without proof of insurance, your insurance card, or if you aren’t insured:

  • Points on your driving record: your license could be suspended if you have too many points accumulated
  • Mandatory filing of an SR-22

How Your Car Insurance Premiums Are Calculated

Would you rather lend a tool kit to someone who always loses stuff or to a friend who always returns things? Probably the latter. Insurance works the same way. If you’re a riskier driver, they’ll charge you more to cover the chance of you getting into an accident. If you’re a less-risky threat behind the wheel, you’ll most likely pay less. Here’s what they’ll want ot know to determine this:

  • Age
  • Gender
  • Claims history
  • Driving record
  • Make and model of your vehicle
  • Credit score

Average Car Insurance Premiums in Vermont

Green Mountain State drivers shouldn’t fork over too much green for car insurance. According to our research, here is where you can find the most affordable rates on average.

 Average Annual Rates
Safeco$212.52
Travelers$556.15
Progressive$563.77
Nationwide$629.33
GEICO$658.52

Auto insurance rates fluctuate constantly. Don’t overpay because you didn’t shop around. A good rule of thumb is to get quotes from three different companies or more. Don’t forget to check back each year to ensure your still getting the best rates.

Most Stolen Cars in Vermont*

If you drive one of these top stolen cars in Vermont, you could see it reflected in your premium (since high-risk equals higher premiums):

  • Subaru Legacy
  • Ford Pickup
  • Honda Civic
  • Chevrolet Pickup (Full Size)
  • GMC Pickup (Full Size)
  • Jeep Cherokee/Grand Cherokee
  • Toyota Camry
  • Toyota Corolla
  • Honda Accord
  • Subaru Forrester

*According to www.nicb.org

Licensed Agents Are Here to Help

Because insurance rates vary significantly from driver to driver, the best thing you can do is to talk to a licensed agent.  Not only do experts in Vermont know the ins-and-outs of state laws, but they can provide you with quotes from top insurance companies to make sure you get the best coverage at the lowest rate for you. Call  855-462-2213 today.

Vermont Resources for Drivers