Vermont Auto Insurance

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

Secured with SHA-256 Encryption

VT state flagVermont is infamous for maple syrup as well as the fall colors. Drivers who enter Vermont are able to enjoy the state for several days or even several weeks without having to worry about auto insurance. However, Vermont auto insurance is extremely important to the residents of Vermont.

vermont auto insurance

Vermont Car Insurance Laws And Requirements

In Vermont, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $10,000 per accident

Uninsured/Underinsured Motorist coverage:

  • Bodily Injury Coverage – $50,000 per person
  • Bodily Injury Coverage – $100,000 per accident
  • Property Damage Coverage – $10,000 per accident

Optional coverage options in VT include:

  • Comprehensive Coverage
  • Collision Coverage
  • Medical Payments Coverage
  • Rental Car Reimbursement Coverage
  • Towing and Labor / Roadside Assistance Coverage

Vermont drivers are paying approximately $50 a month less than the national average monthly premium for auto insurance. This means that drivers are saving a lot of money by having their insurance policy in the state of Vermont. All drivers in the state of Vermont are required to have a valid auto insurance policy. The minimum auto insurance requirements in the state of Vermont are 25/50/10.

The $25,000 minimum liability coverage covers the death or injury of one person who is involved in an accident. This means that if a passenger dies due to an automobile accident, their family is eligible to receive up to $25,000 from the minimum coverage policy. $50,000 is the minimum amount of coverage that the state of Vermont requires for liability coverage for an entire accident. This is the minimum amount that is required and drivers often select higher coverage. $10,000 is the minimum amount of property damage liability coverage that is required. $10,000 in coverage can quickly be fulfilled if a driver hits a building, destroys a light pole or causes a large amount of property damage as a result of their accident.

Drivers are required to have valid proof of insurance in their vehicle at all times. A driver who is unable to produce a valid insurance card following an accident or traffic stop may be fined $100 and have 2 points added to their drivers license. This cost can increase if a driver is found to not have a valid proof of insurance at a later time.

Vermont also has strict rules on teen drivers. Teen drivers have a blood alcohol limit of 0.02. Any driver who exceeds this amount when they are blood alcohol tested is subject to immediate license suspension. Drivers are also subject to large fines as well as jail sentences. Teen drivers also must undergo a GDL program. The Graduated Drivers License program is used by a number of states. Drivers first receive their learning permit which allows the teen to drive with their parents. Teenagers who successfully complete a probationary period on their learning permit are then allowed to receive a level 2 license. This license allows a teenager to drive on their own with other restrictions such as number of passengers and times during which a teen can drive. Drivers who successfully complete a period at level 2 will receive a full license.

Vermont does not require drivers to have underinsured/uninsured motorist coverage. However, because Vermont is a tort state, drivers should strongly consider purchasing this coverage. It may enable them to be protected in the future. Drivers should also consider the limit that they choose for this policy.

Vermont being a tort state means that one of the drivers in an accident must be found at fault. The driver who is at fault typically has their insurance company pay for any damages that are incurred. This means that individuals may be held liable for any costs that are not covered by their insurance policies. Drivers should strongly consider purchasing additional insurance coverage when possible. These insurance policies may protect drivers from a number of different problems including potential legal situations.

Drivers in Vermont should strongly consider purchasing comprehensive as well as collision coverage. A collision policy will cover a vehicle if it collides with another vehicle or object. This occurs in the majority of accidents. While a driver is not required to have this type of insurance by the state of Vermont, they will be unable to pay for any of the damages using their liability insurance. A comprehensive insurance policy protects a vehicle against theft, vandalism and other common damage claims. This means that a vehicle that is stolen will be paid for by an insurance company. Comprehensive and collision policies are often required by banks and financing companies.

Vermont Car Insurance Quotes

Drivers in Vermont should be aware of the minimum auto insurance requirements as well as state laws. It is a wise idea to purchase as much auto insurance as a driver can afford. The more coverage a driver has, the less likely they are to end up in court. Drivers should also be aware of the legal restrictions and costs that could be levied against them for violating state law.

To get a quick, free auto insurance quote in Vermont, you can use the quote calculator tool at the top of our website.  Enter your Vermont zip code to begin.  After filling out our brief two page form, you will be given the best rates from the most reputable Vermont insurers.

VT Car Insurance Agents Directory

Vermont Car Insurance – Additional Resources

Are you looking for free insurance quotes?

Your one-stop online Car Insurance guide. Get a Free Quote Now!