vermont car insurance

Welcome to our guide to Vermont car insurance. We cover everything from legal requirements to possible discounts. And we promise not to make any puns about saving you cheddar (starting…now).

Vermont car insurance requirements

Vermont drivers are legally required to carry liability insurance with at least the following limits:

$25,000 bodily injury coverage per person
$50,000 bodily injury coverage per incident
$10,000 property damage coverage per incident

Drivers also need the following amounts of uninsured/underinsured motorist coverage:

$50,000 bodily injury coverage per person
$100,000 bodily injury coverage per incident
$10,000 property damage coverage per incident

Uninsured/underinsured coverage offers financial protection from at-fault drivers who don't have enough liability coverage to pay for expenses.

Esurance in Vermont

Although we don't currently offer coverage to Vermont drivers, we can still help you find a policy.

Start your free quote and compare rates from top providers in just a few minutes.

Proof of car insurance

Vermont enforces a "Maintenance of Financial Responsibility" law, which means that all Vermont drivers need to have liability coverage in order to operate a vehicle.

Keep your insurance ID card in your glove box in case you're pulled over. Failure to show your insurance card upon request can lead to a fine of up to $100 and 2 points on your Vermont driving record. If you do have insurance but didn't have proof when you were pulled over, you have 15 days to present proof that you were insured at the time.

If you don't have active insurance when you're pulled over, your drivers license could be suspended until you can provide proof of coverage.

Factors that can impact your Vermont insurance premium

Different companies use different rating systems. But you can generally expect these factors to affect your car insurance rate:

Driving record
Age and gender
Where you live
Make and model of your car
Insurance-based credit score
How your car is used
The coverages, limits, and deductibles you choose
Discounts you qualify for

Vermont car insurance discounts worth looking into

Ask your insurer about the following discounts, which may help you score some additional savings:

Homeowners discount
Multi-car discount
Paid in full discount
Driver training course discount
Good student discount
Anti-theft device discount
Carpooling discount
Claims-free discount

Discounts vary by insurer, but it never hurts to ask.

Optional car insurance coverages in Vermont

Most insurers offer the following coverage types in addition to liability:

Medical payments coverage
Collision coverage
Other than collision (aka comprehensive) coverage
Rental car coverage
Towing and labor
Loan/lease gap coverage
Customized parts and equipment coverage

Alternative car insurance options

If you can't obtain a typical car insurance policy for your car or truck, you may be eligible for the Vermont Automobile Insurance Plan. You can get more information on this program from any state-licensed agent or broker in Vermont.

Uninsured drivers in Vermont

According to the Insurance Research Council (IRC), Vermont had the 5th-lowest rate of uninsured drivers in the country. Seven percent of Vermont drivers were uninsured in 2009, which was nearly 7 percent below the national average.

Vermont does require uninsured/underinsured coverage for all drivers. That way, you're financially protected from the 7 percent of drivers who don't have the legally required coverage necessary to pay for post-accident expenses.