Popular Questions about Car Insurance in Vermont

On average, Vermont drivers pay approximately $957 a year (or $80 a month) for their car insurance. This is significantly lower than the national average cost of $1,311 a year.  Shopping around for the best price can help you be certain that you are not overpaying for your coverage. 

As a vehicle owner in Vermont, finding a competitively priced policy is easy when you work with a local independent insurance agent. These agents can obtain customized car insurance quotes from multiple insurance companies on your behalf and can help you compare the coverage offered by each. Find an agent near you to learn more.

Car insurance in this state includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that your Vermont auto insurance may be able to help:Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.

  • Fix Someone Else's Car – Required/Min. $10,000. We officially call this "property damage liability."
  • Pay Your Medical Bills –optional. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Medical Bills – Required/Min. $25,000 per person; $50,000 per accident. We officially call this "bodily injury liability."
  • Pay For Uninsured Drivers – Required / Min $3,500. This is called uninsured motorist insurance. Your policy must include $50,000 per person / $100,000 per accident worth of uninsured motorist bodily injury coverage.

When it comes to car insurance, Vermont is a fault-based state.

This means that the driver who caused the accident is responsible for covering the cost of damage as well as any necessary medical treatment.

Driving without insurance in Vermont is illegal. If you get caught, you can face fines ranging from $250 to $500 and you can have your license suspended until proof of financial responsibility is furnished.

Despite these penalties, an estimated 6.8% of drivers in this state are operating uninsured vehicles. While this is significantly lower than the national rate of 13.0%, it still adds up to a lot of drivers.

That is why uninsured motorist coverage, which is required in Vermont, can prove so beneficial. This mandatory coverage can pay for your vehicle repairs and medical expenses right away if you are in an accident and the at-fault driver is uninsured or underinsured.

This takes the burden of going through legal channels to try to collect the money owed by the at-fault driver off your shoulders. Your insurance company will instead take on the responsibility of trying to collect the funds owed by the uninsured driver and will absorb the costs if unsuccessful.

When it comes to car insurance, there is no such thing as an insurance company that is “best” for everyone. The ideal insurance company for single, middle-aged woman with a long history of safe driving might not be the best choice for a couple that has teenage drivers in their household.

That is why independent insurance agents compare coverage and prices from a variety of top-rated insurance companies. Doing so is the best way to find a reliable policy that offers the most value for you.

Yes! There are currently 107 independent insurance agents in Vermont.

These experience insurance professionals are ready to help you find the best car insurance policy to meet your coverage and budgetary needs. Find an insurance agent near you to get started.

How does car insurance work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 25.4 Min

National average car thefts per 1,000 2.94 Year

National average car insurance cost $1318 Year

CityCommute time (min)Auto theft rate / 1,000Annual insurance cost
Essex Junction19.50.50$971
South Burlington15.90.05$874
  1. $76
  2. Burlington, VT Car insurance average monthly cost
  3. The average monthly cost of car insurance in Burlington is $76.
  4. Remember, this average only serves as a baseline. Your actual monthly cost could be higher or lower than this amount. This is because insurance companies use information about your car, and details about you and the other licensed drivers in your household including your age, gender, and driving record when calculating your personalized quote.
  5. Car accidents can happen to even the most experienced drivers. Whether you find yourself involved in a multi-vehicle collision on Interstate 89 or you accidently cause a fender bender on Pearl Street, a solid car insurance policy that includes collision insurance can cover your repair costs and financial responsibilities once your deductible has been met.
  6. Talk to an independent insurance agent in Burlington to learn more about how including coverage options like collision insurance can benefit you.

  1. $80
  2. Essex, VT Car insurance average monthly cost
  3. The average monthly cost of auto insurance in Essex is $80.
  4. Because your car insurance rates are customized according to your personal details and the type of car you are insuring, your actual monthly cost could be considerably higher or lower than this amount. Drivers with a safe driving history tend to pay a lot less than novice drivers or those who have moving violations or accidents in their recent driving history.
  5. The more time you spend behind the wheel of your car, the greater the chances you will be in an accident. Many residents of Essex commute into Burlington for work, and during a busy rush hour, this commute can take as long as 30 minutes each way. If you use public transportation or work from home, you may be eligible for low mileage discounts on your car insurance.  
  6. A local independent agent can explain more about any potential discounts for which you may qualify and can help you find a reliable car insurance policy that is offered at a competitive price.

  1. $77
  2. Colchester, VT Car insurance average monthly cost
  3. The average monthly cost of car insurance in Colchester is $77.
  4. However, you should take this average with a grain of salt. Your actual monthly cost could be higher or lower than this because rates are calculated on a case-by-case basis according to a number of factors such as your age, driving history, details about the vehicle you are insuring, your deductible amount, and more.
  5. Accidents can happen to anyone, especially in the winter when Colchester’s roads can be slick with snow and sleet. If you purchase a car insurance policy that includes collision insurance and towing and roadside assistance, you don’t need to worry about how you will foot the bill if your car skids on ice and slams into a tree. If you also have rental car reimbursement insurance, you can use a rental car at no cost while your car is being repaired following the collision.
  6. Talk to a local independent insurance agent to learn more about the many ways having the various coverage options that are available to you can help save you money.

  1. $80
  2. Rutland, VT Car insurance average monthly cost
  3. The average monthly cost of auto insurance in Rutland is $80.
  4. When calculating your car insurance rate, insurance companies will take several details into account such as information about your vehicle and the people in your household who will be driving it. Other factors such as where you park your car, the size of your deductible, and the amount of coverage you are buying can also affect your costs. Because of this, your actual monthly cost could be significantly higher or lower than the city’s average.
  5. Heavy rains, particularly during hurricane season, can sometimes bring flash flooding to the Rutland area. When this happens cars can be washed away or damaged beyond repair. Fortunately, if your auto policy includes comprehensive insurance, you can be reimbursed for the blue-book value of your car if it is totaled. Comprehensive insurance can also cover against other non-collision risks such as falling objects, hail, and wind damage.
  6. Talk to a local independent insurance agent to learn more about comprehensive insurance as well as your various other coverage options.

  1. $78
  2. Bennington, VT Car insurance average monthly cost
  3. The average monthly cost of car insurance in Bennington is $78.
  4. Of course, $78 is just an average. Your actual monthly cost could be higher or lower depending on a variety of factors such as your driving history and details about the vehicle(s) you wish to insure. Let an independent insurance agent help you review a variety of customized car insurance quotes so you can find the policy that offers you the best value for your hard-earned money.
  5. From collisions on the Bennington Bypass to fender benders on Main Street, accidents can happen anywhere. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not have to worry about an accident costing you a lot of money. Having a sufficient amount of liability insurance can protect you from potential lawsuits if investigators determine that a serious accident was your fault.
  6. If you want to have even more liability coverage than your car insurance company can offer, an independent insurance agent can also help you purchase an affordable umbrella insurance policy. Talk to an agent near you to learn more.