Car, Truck & Limo Insurance in Vermont and All 50 States

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For Car, Truck & Limo Insurance comparisons in every state, visit the link shown below.

Scroll this page for important stats, facts, rates, and discounts pertaining to auto insurance in the state of Vermont.

Here's how to find the lowest possible rates for insurance on vehicles owned in Vermont. 

Minimum Liability Coverage

According to Vermont state law, Vermont drivers do not have to purchase car insurance.

Drivers in the state of Vermont may instead deposit $115,000 with the Commissioner of Motor Vehicles.

In other words, Vermont drivers have to purchase car insurance.

The minimum available insurance coverage, per vehicle, for car owners in the state of Vermont is 25/50/10.

This means that each owned vehicle must be covered with $25,000 personal injury protection (PIP), $50,000 in coverage against death or injury to others, and $10,000 insurance to cover property damage.

Penalties for Uninsured Drivers

Getting ticketed for driving an uninsured vehicle in the state of Vermont results in a $100 fine and a suspended driver's license until proof of insurance is provided.

This inconvenience is further followed by costly reinstatement fees and soon-to-be-raised premiums. Repeat offenders may have their licenses revoked.

Average Auto Insurance Rates

The Average Annual Car Insurance Premium for a car, truck or limo owned in the state of Vermont was $1,176 last year, making Vermont one of the cheapest states in the nation to buy car insurance.

The overall national average auto insurance premium at the time was $1,510.

Analysts at suggest that Vermont's thrift-store-low annual premiums are partly a function of the state's low rate of uninsured vehicles.

Vermont also has relatively low rate of DUI fatalities, in addition to low crime rates, low population density, and a steady commercial economy

Low Cost Car, Truck &  Limo Insurance

Auto insurance carriers in Vermont advertise all kinds of discount programs to entice local car owners.

Some of these discounts include good driver discounts, good student discounts, senior citizen discounts, vehicle safety discounts, car safety feature discounts, and multiple policy discounts.

The best way to cut costs on car insurance premiums is to apply for and qualify for every possible discount. 

Obtaining Free Car, Truck and Limo Insurance Quotes

Some drivers in Vermont prefer major insurance carriers like American Family Insurance, Geico, Esurance, Liberty Mutual, Nationwide, Progressive, State Farm and 21st Century Insurance.

Other Vermont car owners prefer local carriers like Winooski and Country Financial.

Call five or six auto insurance companies for quotes and discounts. You can also compare free quotes online.

Then simply choose the carrier with the lowest rates.

Following these simple steps can save you, the Vermont vehicle owner, hundreds of dollars a year in car insurance.

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