Vermont Car Insurance FAQ - Quick Answers

On average, Vermont drivers pay roughly $957 a year for their car insurance. That is much lower than the national cost of $1,311 a year for auto coverage. To find the best rates on insurance, consult with a trained professional for free.

While you'll have options when it comes to coverage under your Vermont car insurance, these limits are the most used ones.

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist
  • Comprehensive coverage: Pays for a collision with an unavoidable object such as an animal
  • Collision coverage: Pays for a collision with another vehicle, animal, or property

In order to drive in Vermont you must obtain the following minimum limits of liability.

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $10,000 in property damage liability
  • $25,000 per person/$50,000 per accident in uninsured motorists liability 

In Vermont, 6.8% of drivers are uninsured even with mandatory uninsured motorist coverage. To be properly protected for another driver's negligence, obtain uninsured motorist under your auto policy.

The best is relative when it comes to shopping for car insurance. In Vermont, Safeco, Travelers, and Stillwater insurance companies come highly rated. This is due to their exceptional claims handling and competitive pricing across the board.

Yes, Massachusetts comes in at an annual average car insurance premium of $1,460. Vermont is much lower in average auto coverage costs at $957 per year. 

In Vermont, you can take a safe driving course as a new driver in order to obtain a 10% discount on auto coverage. The same is true when you take a mature driving course. The majority of carriers offer discounts on items that reduce their risk. 

Do You Know What Your Vermont Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate / 1,000Annual insurance cost
Barre20.20$943
Bennington17.81.07$936
Brattleboro180.78$955
Burlington18.60.58$914
Essex27.70.27$958
Hartford18.90.62$1,022
Middlebury18.10.22$764
Milton26.40.18$947
Rutland18.31.38$965
Shelburne21.50.38$984
South Burlington17.50.4$874
Springfield250.11$886
Williston200.39$922

Bodily Injury Requirements in Vermont

Bodily injury liability is an essential coverage under your auto policy and helps pay for medical expenses of another when you're at fault. Without this protection, you could be responsible for some major medical bills.

In Vermont, bodily injury liability limits need to be at minimum $25,000 per person and $50,000 per accident according to state law.  Most insureds opt for higher coverage amounts to better protect themselves. 

Property Damage Requirements in Vermont

In Vermont, property damage liability is a requirement when driving. This limit pays for property damage of another party when you're at fault for a loss.

You're responsible for carrying at least $10,000 in property damage liability in Vermont. If you're found without the right limits, you could face serious penalties.

Medical Payments Coverage Requirements in Vermont

Some states mandate personal injury protection, or PIP, under your car insurance policy which helps pay for your medical expenses. In Vermont, PIP is not mandatory under your auto coverage.

Medical payments insurance is optional and can be added to your auto policy for an additional fee. It helps pay for your injuries due to an at-fault accident.

Uninsured Motorist Coverage in Vermont

Uninsured motorist coverage pays for your exposure when you're involved in an accident with a driver that does not have insurance. In Vermont, 6.8% of the drivers on the road are currently without car insurance.

Even though auto coverage is necessary to drive in Vermont, including uninsured motorist protection, not everyone follows these laws. To be properly covered, it's important to obtain the right coverage for an accident.

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Optional Car Coverage in Vermont

Every auto policy will come with automatic protection and options to add extra coverage. Collision insurance and comprehensive insurance are known as full coverage and optional limits that help pay for any damage to your own vehicles in the event of a loss.

There are numerous other options that you can select like rental car coverage that provides a replacement vehicle due to a claim. Another limit that is used is roadside assistance that can pay for a tow or tire change.

Car Insurance Discounts to Consider in Vermont

To qualify for discounts on car insurance, it's important to know what's available. There are several discounts on your auto coverage that could apply. You could get a 5% to 10% reduction in insurance costs just by being a loyal customer for a long period of time.

In Vermont, if you have more than one policy, you can save 30% or more with a multiple policy discount. Another 10% could be cut from your premiums if you belong to a teachers union, attorney group, or government agency through an association discount. 

How to File a Car Insurance Claim in Vermont

When a car accident occurs, you could be caught off guard and unsure what to do next. Take a look at the four steps of how to file a car insurance claim in Vermont the easy way.

First, get to a safe spot and ensure that everyone is safe and sound. Second, give your agent a call to report the loss and obtain a claim number. Third, if you have rental car coverage and need a replacement vehicle, set that up with your carrier. Last, work with your adjuster to assess the damage and collect payment.