On average, your neighbors pay $56 a month.See Your Rates
Vermont’s name comes from the French words for “green” and “mountain”. We can’t promise that QuoteWizard will save Vermont drivers a mountain of green, but it certainly won’t hurt.
This page will show you which types of coverage are legally required in Vermont, provide information about the cost of driving including average rates, and share some insights about insurance risk to help you protect yourself and your family.
How much is car insurance in Vermont? Average premiums here are far lower than the national average. On average, the cost of auto insurance in Vermont is $680.18 a year. The national average annual price is $889.01.
Prices may vary depending on your limits, urban conditions, coverage, and zip code.
|Total Annual Cost||$680.18|
|Price Per Month||$56.68|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Vermont rates from 2011 to 2015, the most recent year the data is available. According to the III, Vermont car insurance rates increased from $633 in 2011 to $680 in 2015, a jump of $46 dollars, or 7.37 percent.
Shopping around and comparing auto insurance quotes is important, but who has the time and energy for it? Well, if you use QuoteWizard, you won’t have to worry about time or energy.
That’s because QuoteWizard will connect you to multiple companies that serve Vermont drivers so you can compare car insurance rates and get coverage that fits your needs.
Last year, 3,779 people used QuoteWizard to compare car insurance quotes in Vermont from multiple companies.
This is our list of the most common car insurance companies reported by QuoteWizard users living in the state of Vermont. Out of the 3,779 Vermont drivers that used QuoteWizard to request insurance quotes last year, 397 were uninsured.
These are the most common vehicles owned by Vermont drivers requesting car insurance quotes through QuoteWizard in the past year.
If you drive a vehicle registered in Vermont, you must maintain a minimum level of insurance coverage of 25/50/10 plus uninsured/underinsured coverage. This means that you must have a policy with at least the following:
Remember, you can purchase more inclusive plans that cover more, but if you want the bare minimum required to keep you legal on the road, make sure your policy has the above coverage. And, if you’ve financed your car through a lender, they’ll probably require that you purchase collision and comprehensive coverage to protect their investment.
It may be tempting to just go with the required minimum liability insurance coverage. However, one severe crash can show what a mistake that is. Liability insurance only covers the other driver in a crash. You need to have your own insurance or pay out of pocket. Talk with your insurance agent about full coverage options that you can afford.
Regarding liability insurance, look into raising the coverage amounts beyond the minimum. A severe accident can quickly exceed the top payout of minimum liability. To avoid this, up your limits to:
Any time you drive in Vermont, you must be prepared to show your car insurance identification card to law enforcement upon request. You will get this identification card from your car insurance company when you buy a policy.
The card must include all of the following:
Failure to show valid proof of insurance at an accident or traffic stop will result in a fine, two points on your Vermont driving record, and may result in your license being suspended for up to two years.
Vermont residents that have had their driver’s licenses suspended due to drunk driving convictions or other violations must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.
Vermont State law requires that an SR-22 be carried for 36 consecutive months. If a driver fails to renew their policy 15 days before expiration, a letter is sent to the state resulting in suspension of their license. Once renewed, the license will be reinstated, but this can be a time-consuming process.
Vermont has banned the use of hand-held cell phones while driving in the state. Drivers ages 18 and up may use a cell phone while driving provided they have a hands-free headset. Drivers under the age of 18 may not use a cell phone while driving at all. All drivers are banned from sending or receiving text messages while driving in Vermont.
Vermont’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood or breath when arrested by law enforcement for suspicion of driving while under the influence (DUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties as well as those for a DUI:
If you drive or operate a motor vehicle in Vermont with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).
The penalties for a first offense DUI conviction are:
The penalties for a second offense DUI conviction are more severe:
After a third DUI conviction the penalties increase to:
Vermont has no special provisions for senior drivers. All drivers are required to renew their driver’s license every 4 years.
Vermont requires that everyone in a vehicle age 18 or older wear seat belts. Children are required to use approved child seats as described above. The maximum penalty for failing to comply is $25 for the first offense.
When you drive a vehicle in Vermont that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.
Vermont had 244 vehicle thefts reported in 2014, a 27.6% decrease compared to 2013. In 2014, the vehicle theft rate was 38.9 per 100,000, a decrease of 27.6% from the 2013 rate of 53.8 per 100,000.
The vehicle theft rate in Vermont is much lower than the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.
Some cars are more prone to theft than others, be sure to check the list below to see if your car is a target on the streets.
Source: National Insurance Crime Bureau - Hot Wheels Report 2014
The percentage of Vermont residents estimated to be driving without insurance is 8.5%. That ranks Vermont as #39 among US states and the District of Columbia, significantly better than the US average of 12.6%.
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