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
South Burlington17.50.4$874