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Cheap Auto Insurance in Vermont
Joanna Johnson
Car Insurance Expert
Updated: 11/2019
Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.
Auto Insurance Statistics in Vermont
Average Car Insurance Premiums
Average car insurance premiums in Vermont are actually much lower than the national average. According to Quote Wizard, the cost of auto insurance in Vermont is on average $680.18 each year. The cost of car insurance for the country annually is around $889.01. However, prices can fluctuate depending on your coverage type, zip code, urban conditions, and coverage limits.
Vermont Average Annual Car Insurance Rates vs National
Drunk Driving Fatalities
Drinking and driving can be fatal in Vermont. Based on recent years, there was a big spike in drunk driving fatalities in 2016 but eventually declined to just under the national average in 2017.
Drunk driving fatalities in Vermont from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Vermont is at a rate that is lower than the national average. The data below demonstrates the level of drinking and driving taking place in Vermont when compared to other states around the country.
Teen Drinking & Driving in Vermont vs. Nationwide (2017)
Source: National Highway Safety and Traffic Information
Car Theft in Vermont
Car theft in Vermont occurs at a rate that is much lower than the national average. Learning about the number of car thefts in Vermont will help drivers to have a fuller understanding of the level of risk they take while driving and owning a car in the state.
Vehicle thefts by rank Nationwide vs. Vermont
Source: Insurance Information Institute
Vermont ranks on top for the lowest automobile thefts when compared with other states around the country
How Vermont Ranks #1 in List of States With The Least Car Thefts (per 100,000)
Source: World Atlas
Car insurance can be pricey, but it’s possible to find affordable car insurance in Vermont. A study was recently done to find the cheapest insurance providers in Vermont. The rates of these providers were compared to the rates paid by average car insurance clients in Vermont. However, the amount that you’ll pay for car insurance is also dependent on factors other than choosing the right insurance company. Some examples of these factors include your accident history, traffic tickets, your age, the type of car you drive, and the city you live in. Therefore, keeping a clean driving record can help you to lower your car insurance rates.
Any driver operating a motor vehicle in the state of Vermont is required to have some form of insurance in the event of property damage to yourself, to others, or to vehicles during a collision. Accidents can happen even if you are a careful driver due to mistakes other motorists can make while on the road. Having the right insurance is of vital importance to ensure that you never have to pay out of pocket for the coverage you need. Cheapautoinsurance.co will provide you with the important information you need to help you make the best decision when choosing car insurance.
Types of Auto Insurance Coverage in Vermont:
- Property Damage Liability Insurance
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
Minimum Requirements For Car Insurance in Vermont
There are minimum requirements for car insurance in the state of Vermont. It is recommended to carry at least the minimum amount of coverage to ensure that you are fulfilling state-mandated coverage requirements. The minimum amounts for car insurance coverage in Vermont are listed below:
- Uninsured Motorist Property Damage Coverage: $10,000 of coverage with a $150 deductible amount
- Uninsured Motorist Bodily Injury Coverage: $50,000 per person as well as $100,000 for each car accident
- Bodily Injury/Death Liability of one person: $25,000
- Bodily Injury/Death Liability of two people: $50,000
- Bodily Injury Liability Insurance Coverage: $25,000 for each person and $50,000 per accident
- Property Damage Liability Coverage: $10,000
New & Teen Drivers in Vermont
Vermont has a multi-stage licensing process which allows new and teen drivers to gain exposure gradually to potentially complex driving situations. The learner’s permit and junior driver’s license are key initial stages for teen drivers.
Vermont teenagers who plan on obtaining their driver’s licenses should become aware of the various teen driving laws. Teen drivers who are under 18 years of age are required to first complete a driver’s education course as well as passing a road test. In order to obtain a learner’s permit, a teen driver in Vermont is required to be at least 15 years old and they must also complete a knowledge test. The youngest age to receive a full license is 16 years and 6 months of age.
Driving in Vermont Winters
It is essential to have adequate car insurance coverage when driving during the snowy Vermont winters. In fact, when temperatures drop overnight and conditions turn icy, accidents are likely to increase. It is essential to be well prepared by investing in snow tires which are recommended on all four wheels. Practicing safe driving methods and keeping supplies fully stocked will go a long way towards helping Vermont drivers prepare for snowy, wintry conditions. The Vermont State Police make recommendations to have sturdy snow tires on each wheel and they also allow studded tires and tire chains as needed.
Cheap Auto Insurance Discounts
At Cheap Auto Insurance, we aim to provide comprehensive information to help you choose the lowest car insurance available in Vermont. One of the ways we have found that drivers can reduce their auto insurance rates is with auto insurance discounts. Below are some of the most common discounts that can save you on the cost of monthly or yearly premiums.
- Military or Veteran discount
- Multi-car auto insurance discount
- Mature driver discount
- Good student discount
- Senior citizen discount
- Car safety features discount
- Low-mileage discount
- Defensive driving discount
- Anti-theft discount
- Infrequent usage discount
- Bundling insurance policies discount
Cheapest Car Insurance Companies in Vermont
1. Geico: Geico offers affordable coverage, and you can apply for their coverage online. On average, Geico is the cheapest policy in all major cities of Vermont. Geico’s average rate is 533 dollars per year for Vermont residents. For comparison, the average Vermont resident pays 851 dollars per year. Geico offers reliable and comprehensive coverage, and they cover a number of potential expenses that many insurers miss. For instance, they offer both property damage liability and bodily injury liability coverage. In addition, Geico has an excellent record in terms of client satisfaction. No Vermont residents have filed complaints about Geico, which is something that many other insurance providers cannot say. More than four out of five Geico clients give their coverage a 5 star rating on a 1-5 scale.
2. Co-Operative Insurance: Co-Operative Insurance offers Vermont residents an average rate of 619 dollars per year for coverage. It’s even possible to get a discount on your rates from Co-Operative Insurance if you take driver’s education classes. Co-Operative Insurance is exclusively geared towards residents of Vermont and New Hampshire, and the coverage they offer is quite comprehensive. It’s also quite easy to make claims with Co-Operative Insurance, and claims can be made 24/7 by telephone. Claims can also be made online. When claims are reported online, you will get a response the next day.
3. Kemper Insurance: At the time of the study, Kemper was known as Unitrin. However, the company still offers excellent coverage. The company offered rates averaging 627 dollars per year at the time of the study. There are discounts available for those without an accident history within the past two years, people who insure multiple vehicles, cars with motorized seat belts, cars with anti-lock brakes, and cars with anti-theft devices. Kemper offers insurance for accidents that occur to a parked vehicle, which is something that many other insurers do not cover.
4. Union Mutual: Union Mutual car insurance rates average 747 dollars per year for Vermont residents, and they cover many types of damage that can occur to your vehicle. Not only will Union Mutual cover damage to your vehicle, but they will cover damage to the vehicle of another driver if you were at fault. In addition to paying for damages, Union Mutual will cover the expenses of a rental car if your car is not usable or stolen. Union Mutual also covers towing expenses that occur as a result of an accident.
5. Allstate: Allstate is a well-known provider of car insurance, and they offer affordable rates to Vermont residents. On average, Allstate clients in Vermont pay 826 dollars per year for car insurance. They offer quotes online and by phone. Allstate’s insurance plans are also comprehensive, and their clients tend to be satisfied with the coverage.
FAQ
General Vermont Car Insurance
This section answers the basic questions you have about car insurance in Vermont. Use this information to help you understand more specific questions.
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What is the most popular auto insurance in Vermont?
The most popular auto insurance in Vermont is state minimum coverage, which is $25k per person and $50k per accident for bodily injury liability, and $10,000 for property damage liability.
How to get an accord form for car insurance in VT?
You’ll need to contact the Vermont DMV to get the forms you need. They’ll be able to tell you what forms are required for your car insurance situation.
How much should your auto insurance cover in VT?
The state legal minimum coverage is $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage coverage. Read more: How much auto insurance do I need?
How does car insurance work in VT?
Vermont car insurance works like many other states. You need to get insurance, and there are state legal minimums that your insurance has to cover.
What is required for Vermont car insurance?
All you need to get car insurance in Vermont is a way to pay the bill, a driver’s license, and your car’s VIN number. You can either talk to a local auto insurance company or a nationwide carrier.
How does Vermont auto liability insurance work?
Vermont requires every driver to have liability insurance – specifically they require $10,000 for property damage liability, $25,000 for bodily injury per person, and $50,000 bodily injury per accident. Read more about liability car insurance coverage.
What do you need to get auto insurance in Vermont?
You need a valid driver’s license, the VIN for your car, and a payment method to pay your first premium bill to get car insurance in Vermont.
How do I renew my auto insurance in Vermont?
Every car insurance company has their own standards for renewal. Many companies renew your policy automatically.
What zip code to put for auto insurance in Vermont?
You should put the zip code where you live on your car insurance application. The insurance company will use this to set your rates, and they may deny coverage if they find you lied.
Who is responsible for auto insurance in VT?
The owner of the car is responsible for insurance in VT in most cases. However, a car’s driver may be responsible if they’re in an accident.
How to pay car insurance in Vermont?
Every car insurance company has its own policies and systems for payment. You’ll need to check with your specific insurance company to see how to pay your car insurance bill.
Vermont Car Insurance Laws
Insurance laws change state to state. We’ll answer your questions about Vermont’s car insurance laws in this section.
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When do I add my teenager to my car insurance in Vermont?
You should add your teenager to your car insurance in Vermont as soon as they get their license. That way you can be sure they’re driving legally and protected from liability. The best insurance for new drivers is often found when comparing quotes from multiple companies.
In Vermont, what happens without car insurance?
Without insurance in Vermont you’ll be responsible for any damages you’re at fault for. You’ll also face a fine of $100 or $500, depending on the nature of the situation.
What is the minimum coverage for car insurance in Vermont?
Vermont requires a minimum car insurance of 25/50/10 – that’s $25,000 for bodily injury per person, up to $50,000 per accident, and $10,000 in property damage liability.
How long can you go without car insurance in Vermont after buying a new car?
Most insurance policies will cover your new car for 4-9 days after purchase. However, it’s best to transfer your insurance as soon as possible so you’re driving legally.
What is the Vermont law for uninsured and underinsured auto insurance coverage?
Vermont law says that it’s a civil penalty to drive without insurance. You’ll face a fine of $500 for driving without insurance, and a fine of $100 for driving without proof of insurance.
For Vermont auto insurance, when do authorized drivers need to be on policy?
Authorized drivers need to be on the policy if they have regular access to the car and use it more frequently than would be considered an occasional driver.
If I’m getting an estimate for car repair from insurance what are my rights Vermont?
You’ll need to contact the insurance division of the Vermont Department of Financial Regulation to find out your rights regarding car repair estimates for your specific case.
In Vermont, how long to add new licensed driver to auto insurance?
You should add a new licensed driver to your car insurance immediately if they’re going to be driving the car at all. Company policies usually require anyone with a license living at your residence to be insured or added to your policy.
When can auto insurance drop you Vermont?
You can drop auto insurance in Vermont if you’ve already signed up for other auto insurance coverage or if you turn your tags into the DMV and declare your car of the road.
What am I legally required to have car insurance Vermont?
You’re legally required to have liability insurance with minimum limits of $25,000 bodily injury protection per person, up to $50,000 per accident and $10,000 in property damage liability protection.
What is the penalty for driving without insurance in Vermont?
If you get caught without insurance in Vermont, then you’ll need to present proof of insurance within 20 days or face a fine of $500.
In Vermont, for a car paid in full, what type insurance must be on vehicle?
The state of Vermont doesn’t have any special laws regarding insurance coverage for fully owned versus financed vehicles – the state legal minimum is 25/50/10 either way.
How long can my child stay on my car insurance in Vermont?
There are no age restrictions for your child staying on your car insurance in Vermont. They can stay on your insurance as long as they live at your house or use it as a primary address.
How long do I have to file a car accident insurance injury claim in Vermont?
The state has a statute of limitations of 3 years for injury claims from car accidents. However, your insurance policy might require a faster contact to provide coverage.
Vermont Car Insurance Prices
It’s never fun when you pay too much for car insurance. We’ll answer some of the most popular questions about car insurance prices in Vermont in this section.
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What are auto insurance rates in Vermont?
Car insurance prices in Vermont are among the cheapest in the country. On average, a Vermont driver pays $680 per year for insurance, compared to the national average of $889.
How much is car insurance in VT?
Vermont car insurance prices are far lower than the national average, which is $889. Vermont drivers pay an average cost of only $680 per year.
How much does car insurance typically cost in Vermont?
On average, a Vermont driver will pay about $56 per month for their car insurance coverage. However, this may be more or less than you pay depending on your driving record, address, and other factors.
How much will my car insurance increase after a speeding violation in VT?
That depends on several factors. Your insurance increase will depend on how fast you were going, how many other tickets you have, your age, gender, and more. You’ll need to contact your insurance company to get a quote for your specific situation. Classes may help you learn how to reduce car insurance premium after a ticket.
Who has the best car insurance in VT?
That depends what you’re looking for. Concord Group Insurance is the cheapest for low-mileage drivers, good drivers, and those with bad credit. Drivers with one at-fault crash get the best rates from Vermont Mutual. Ask about car insurance for 18 year old college student too as there may be good grade discounts.
How much do you pay car insurance in Vermont per year?
An average Vermont driver will pay around $680 per year for car insurance. However, this figure can change based on where you live and other factors.
How much do you pay car insurance in Vermont per month?
Vermont drivers will pay about $56 per month – that works out to right around $680 per year for coverage. Get a car insurance estimate by filling out the quote form above.
Who has the cheapest auto insurance in Vermont?
Different car insurance companies are better for different drivers. For most drivers, Concord Group Insurance is the best option – that includes drivers that have a clean record, are low mileage drivers, and those with poor credit. Drivers that have one accident they’re at fault for get the best rates from Vermont Mutual.
Who has the best car insurance rates in Vermont?
The best quotes auto insurance in Vermont depend on what your particular driving situation is. Most drivers will get the best rates from Concord Group Insurance. The one exception is drivers with poor credit, who get the best rates from Vermont Mutual Insurance Group.
How much the car insurance per month in Vermont?
Per month, an average Vermont driver will pay about $56 for their car insurance coverage. This figure assumes minimum legal coverage, not comprehensive coverage.
How much to add a 16-year-old to car insurance Vermont?
A car insurance policy for a 16 year old male in Vermont will cost $5,423 by itself. Added to parent’s insurance, the overall policy will cost an average of $2,712 per year.
How much is general auto insurance in Vermont?
Standard minimum state legal insurance coverage in Vermont costs about $680 per year. That’s far below the national average of $880.
How to get cheap car insurance in Vermont?
The best way to get cheap car insurance in Vermont is to see what kind of discounts your insurance company offers. A defensive driving class can more than pay for itself with insurance savings.
Vermont Car Insurance Claims and Coverage
If you need to use your car insurance coverage, then it’s important to understand how it works. We’ll answer questions about Vermont car insurance claims and coverage in this section.
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In Vermont your insurance company is legally liable to pay up to how much of the other person's car?
That depends on your policy limit for property damage. The state legal minimum is $10,000 – so your insurance will cover at least that much for damage to someone else’s car in Vermont.
Car accident in Vermont without cops - how do you claim insurance?
You claim insurance the same way you would if you had a police report. The lack of a police report doesn’t prevent you from filing an insurance claim. The insurance company will still cover your accident and determine who’s at fault.
What is the insurance law for totaling a car in Vermont?
Vermont doesn’t have any specific laws about totaling a car. Each insurance company has their own policies for when they’ll total a car. They usually do so when repairs will cost 75% or more of the fair market value of the car.
What happens when an insurance company totals a car Vermont?
When an insurance company totals a car in Vermont you’ll get a payment for the fair market value of the car. The insurance company will take the wreckage of the car and sell it for salvage.
In Vermont, who is liable for a car without insurance?
The owner of the car is usually liable for car insurance in Vermont. However, there are certain situations where the driver of the car may also be liable. You’ll need to talk to a lawyer about your specific situation.
Other Vermont Car Insurance Questions
This section covers questions about Vermont car insurance that don’t fit into our other categories. Use this section if you can’t find your questions anywhere else.
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How does the state of Vermont electronically monitor the status of your car insurance?
The state of Vermont maintains a database that insurance companies enter information to. This allows police and the DMV to check if you have insurance when they need to.
How to report Vermont car insurance issues?
You can report issues with your car insurance to the Insurance Division of the Vermont Department of Financial Regulation.
How do I file a complaint against an auto insurance company in Vermont?
The best place to take a complaint against an auto insurance company in Vermont is to the Vermont Department of Financial Regulation, specifically the insurance division.
How to get car insurance on rebuilt tiles in Vermont?
Concord Insurance Group and State Farm are the best options for insuring a car with a rebuilt title in Vermont.
Who governs auto insurance rates in Vermont?
The individual car insurance companies set their own rates in Vermont. There’s no government body that regulates insurance prices.
How to cancel insurance when car is stolen in Vermont?
You’ll need to call your car insurance company for information about how to cancel your car when it’s stolen in Vermont. They’ll be able to walk you through the steps of doing so in a way that ensures you aren’t hit by a fine for lacking insurance.
Do you turn in tags when you drop insurance in Vermont on a car?
Yes, when you drop insurance because you’re moving or taking a car off the road you turn in your tags to the Vermont DMV.
Top Cities in Vermont
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