Vermont is one of the smallest states, but itā€™s big on agriculture. Farmerā€™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.Ā 

What else is great about Vermont? You can get cheap car insurance, with rates that sit below the national average.Ā 

Quick Vermont 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 auto insurance coverage.
  • Minimum coverageĀ in the state costs roughly $292 per year.
  • Approximately 7% of Vermont drivers have no insuranceā€”one of the lowest rates in the country.
Vermont cheap car insurance, car insurance quotes

Minimum Vermont Car Insurance Coverage

You need to meet the minimum car insurance requirements when driving in Vermont. You can learn more by visiting the stateā€™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 the state, 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

Getting Cheap Car Insurance in Vermont

While cheap car insurance is readily available in Vermont, it is possible to get it even cheaper. Here are some tips to help:

  1. Use a comparison website. Compare rates easily with a site like Cheap Insurance. Just enter your information, and weā€™ll give you a free quote.  
  2. Review your policy often. Sometimes car insurance providersā€™ rates will slowly creep up without you noticing. Check your policy every six months and make sure the rates are still low.
  3. Use telematics. Many companies allow you to install a special device in your vehicle that tracks your driving. This can help you save money if youā€™re a good driver.

Vermont Car Insurance Discounts

Vermont car insurance coverage is typically inexpensive, but you can always save more money. Check into these possible discounts:

Good Driver: Many car insurance providers offer discounts for drivers with no accidents or claims.

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 and pay in full to get the best discounts.Ā 

Bundling: BundleĀ homeowners insuranceĀ andĀ auto insuranceĀ policies to get a discount.

FAQ

What is the average car insurance cost in Vermont?

The average cost for car insurance coverage is $1,207 annually in Vermont.

How much is car insurance per month in Vermont?

In Vermont, you can expect to pay close to $101 per month for car insurance.

What is the penalty for driving without insurance in Vermont?

Driving without car 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 stateā€™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 save money on my car insurance policy in Vermont?

To get cheap car insurance in Vermont, follow these tips.

  • Stay safe while drivingā€”avoid driving while distracted or intoxicated.
  • Ask about discounts for taking defensive driving courses.
  • Review policies and deductibles on older vehicles.

Other Types of Coverage

You need a minimum amount of coverage to operate a vehicle in Vermont, but you can always purchase more. Consider these additional car insurance coverages:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Additional kinds of coverageĀ 

Endorsements and Riders

  • 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 canā€™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.