Car Insurance in Montpelier, VT

Vermont is one of the most affordable states for car insurance in the nation. With rates under $1,000 annually, that's all the more incentive to get your own policy ASAP. Having the right car insurance can protect you against financial losses from accidents, not to mention state fines from not having coverage.

An independent insurance agent in Montpelier can help you find the right type of car insurance for you. They'll get you covered before disaster ever strikes. But until then, here's a breakdown of car insurance in Montpelier, VT.  

Best Car Insurance in Montpelier, VT

When looking for the best car insurance in Montpelier, a local independent insurance agent can easily help you find it. Independent insurance agents in Montpelier can find the best rates for coverage near you. They know which carriers offer the type of car insurance you're looking for at the most affordable price.

What Does Car Insurance Cover in Montpelier, VT?

When you build your car insurance policy, you'll consider your state's coverage requirements as well as your own concerns. Many people start with the following:

• Personal injury protection: This coverage reimburses for injuries to yourself and your passengers if you're at fault for an accident.
• Liability coverage: This covers legal expenses if you cause property damage or bodily injury to a third party with your vehicle.
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled by a non-collision event such as a hailstorm or theft.  
• Collision coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled in a collision, regardless of fault. 

Your independent insurance agent in Montpelier, VT knows exactly which types of coverage to recommend when you assemble your ideal car insurance policy.

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How Much Does Car Insurance Cost in Montpelier, VT?

Car insurance averages $957 annually across the state of Vermont, which is quite a bit less than the current US average of $1,311. The state of Vermont ranks as the sixth-least expensive state for car insurance in the country. The affordability of car insurance in Vermont may partially account for the state's low rate of uninsured drivers, at just 6.8%.

Is Car Insurance Required in Montpelier, VT?

The state of Vermont requires drivers to carry two forms of liability protection, as well as uninsured motorist coverage in three categories.

Drivers in Montpelier must have at least the following:

• Uninsured motorist coverage: This covers you if you get into an accident with an uninsured or underinsured driver who was at fault. In Vermont, drivers must have at least $50,000 of uninsured motorist coverage per person, $100,000 per accident, and $10,000 of uninsured motorist property damage coverage per accident.
• Property damage liability: This covers the costs of lawsuits related to causing damage to someone else's property with your vehicle. In Vermont, coverage of at least $10,000 per incident of property damage liability is required.
• Bodily injury liability: This covers the costs of lawsuits related to causing bodily injury to someone else with your vehicle. In Vermont, coverage of at least $25,000 per person and $50,000 per incident of bodily injury liability is required.

Local agents in Montpelier, VT are familiar with your area's coverage requirements for car insurance. Your independent insurance agent in Montpelier will make sure you walk away with enough coverage to satisfy your local requirements.

What Are the Best Car Insurance Companies in Montpelier, VT?

When you know where to look for the right car insurance at the best rate, your shopping becomes a whole lot easier. Check out just a few of our top picks for quality, affordable car insurance companies in Montpelier, VT below.

Best Car Insurance Companies in Montpelier, VT	Star Rating
Progressive
The Hanover
Travelers
MAPFRE
Safeco

Why Work with an Independent Insurance Agent in Montpelier, VT?

There's no such thing as a one-size-fits-all car insurance policy. With a wide variety of products and options at your disposal, you can put together a solid car insurance package that's custom-built for you and other drivers in your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best car insurance companies in Vermont to find you the right coverage at a great price.