Vermont is one of the smallest states, but it’s big on agriculture. Farmer’s markets are a pretty big deal across the state. Maple products, beer, and cheese are also plentiful in Vermont. Another interesting fact: Vermont is ranked #1 for health! It must be from all the fresh produce.
What else is great about Vermont? You can get cheap car insurance quotes, with insurance rates that sit below the national average.
Quick Vermont Car Insurance Facts
- Vermont uses the 25/50/10 rule to determine minimum auto insurance amounts.
- In Vermont, you can expect to pay $1,207 per year for full coverage auto insurance.
- Minimum coverage in the state costs roughly $292 per year.
- Approximately 7% of Vermont drivers have no insurance, one of the percentages in the country.
Minimum Vermont Car Insurance Coverage
Minimum car insurance requirements when driving in Vermont is law. You can learn more by visiting the state’s Department of Motor Vehicles website.
Vermont requires drivers to have minimum insurance to cover bodily injury and property damage. If you plan to drive in Vermont, you must have at least the following auto insurance coverages:
Property damage: $10,000 per accident
Bodily injury/death: Bodily injury coverage in the amount of $25,000 per person and $50,000 per accident
Cheap Car Insurance in Vermont
While cheap insurance is readily available in Vermont, it is possible to get it lower car insurance. Here are some tips to help:
- Use a comparison website. Compare affordable car insurance quotes with a site like CheapInsurance.com.
- Review your policy often. Sometimes car insurance rates will slowly creep up without you noticing. Check your policy every six months and get affordable auto insurance quotes to review and compare.
- Use telematics. Many companies allow you to install a special device in your vehicle that tracks your driving. This helps save money if you’re a good driver.
Vermont Discounts For Inexpensive Auto Insurance Quotes
Vermont has inexpensive car insurance quotes, but you can always save more money. Check into these discounts:
Good Driver: Many car insurance companies offer affordable auto insurance quotes for drivers with no accidents or driving violations.
Good Student: High school or college students with good grades may be able to save 10% or more.
Pay in Full: Avoid making payments on your car insurance. Save up, don’t pay the monthly statement fees.
Bundling: Bundle homeowners insurance and auto insurance policies to get a vehicle insurance discount.
Vermont Vehicle Insurance FAQ
What is the average Vermont cost of car insurance?
The average cost for car insurance in Vermont is $1,207 annually.
How much per month is auto insurance in Vermont?
In Vermont, you can expect to pay close to $101 per month for auto insurance.
What is the penalty for driving without automobile insurance in Vermont?
Driving without automobile insurance in Vermont can include penalties such as suspension of driving privileges and a $500 fine. Your vehicle may also get towed.
What is driving like in Vermont?
Vermont is a scenic area, and while the drives are often beautiful, the state’s roads are dangerous. Approximately 25% of the roads need some repair. Drivers are often distracted or impaired. In addition, Vermont ranks #1 for run-off-the-road accidents.
How can I get cheap insurance on vehicle insurance in Vermont?
To get cheap insurance, follow these tips.
- Stay safe while driving avoid driving while distracted or intoxicated.
- Ask about automobile insurance discounts for taking defensive driving courses.
- Review policies and deductibles on older vehicles.
Other Additional Types of Auto Insurance Coverages in Vermont
Minimum amount of coverage to operate a vehicle in Vermont is mandatory, but you can always purchase more. Consider these additional car insurance coverages:
Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)
Physical Damage Coverage
- Towing and road service: Get peace of mind in the event of a breakdown. This coverage provides gas, jump starts, and towing services.
- Rental car reimbursement: This coverage will reimburse you when you can’t drive your vehicle and need a rental car.
- Gap insurance: If you total your new car, gap insurance protects your investment. It fills in the gap between the value of your vehicle and how much you owe on the auto loan.
