Get a Vermont car insurance quote

or call 1-800-378-7262

Or call 1-800-378-7262.

Vermont car insurance through an Esurance partner

Even though we don't insure Vermonters yet, there's no reason to feel blue if you live in the Green Mountain State. We still want to help you find car insurance rates as sweet as your famous maple syrup.

Getting a Vermont car insurance quote takes mere minutes, and you'll be able to conveniently compare affordable auto insurance rates from top names in the industry and snag the most bang for your buck.

I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

– Paul, Florida

Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

– Maudryanna, North Carolina

The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

– Aaron, Virginia

Car insurance discounts in Vermont

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.

Coverages in Vermont

Required coverages

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 motorist coverage can help pay medical expenses and repair costs for you and your passengers if you get into an accident caused by a driver without insurance, or a driver without sufficient insurance to cover your accident-related expenses.

Optional coverages

Most insurance companies offer the following options in addition to basic liability:

  • Medical payments
  • Collision
  • Comprehensive
  • Rental car
  • Emergency road service
  • Loan/lease gap
  • Electronic equipment

proof of car insurance in vermont

Vermont enforces a "Maintenance of Financial Responsibility" law, which means that all motorists need to have at least basic liability insurance in order to operate a vehicle.

Green Mountain State residents will be happy to hear that they're able to provide digital proof of their car insurance in the event they get pulled over. That's a whole lot less wasted paper and a whole lot more green on those mountains! And with our innovative mobile app, Esurance customers can access policy documents — including their ID cards — round-the-clock.

Factors that could impact your Vermont auto insurance rates

Different companies consider different rating factors, but you can generally expect the following to affect your car insurance rate:

  • Driving record and claims history
  • Insurance history, including lapses
  • Age, gender, and marital status
  • ZIP Code where your car is parked
  • Year, make, and model of your car
  • Credit-based insurance score
  • How your car is used (commuting, pleasure, etc.)
  • The coverages, limits, and deductibles you choose
  • Discounts you may qualify for

Insurance facts in Vermont

Uninsured drivers in Vermont

According to an Insurance Research Council report, 8.5 percent of drivers in the Green Mountain State were uninsured in 2012, which was below the national average of 12.6 percent.

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

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.

Related links

Driving with pets
Get a better understanding of driving with 4-legged family members in Vermont.

Vermont Insurance Division
Learn more about Vermont's official insurance regulations.

Get a quote to see how surprisingly painless insurance can be

or call 1-800-378-7262

Or speak with a licensed agent at 1-800-378-7262.