Car Insurance in Vermont

Compare real Vermont car insurance rates in just 45 seconds!
Quotes from up to 45 companies · No long forms · No phone calls
TABLE OF CONTENTS
  • How Much is Car Insurance in Vermont?
  • Real Quotes for Jerry.ai Customers in Vermont
  • The Cheapest Car Insurance in Vermont
  • Most Popular Insurance Companies in Vermont
  • Cost to Insure Different Cars in Vermont
  • Car Insurance Laws in Vermont
  • Car Registration Information in Vermont

Looking for car insurance in Vermont? Here you’ll find all the information you need on driving a car in The Green Mountain State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Burlington or Rutland, Montpelier or Barre — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Vermont car insurance.

How Much is Car Insurance in Vermont?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Vermont, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Vermont pay $1,422.75 each year for car insurance. This means drivers in Vermont pay 51% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

Compare cheapest car insurance in Vermont
Compare cheapest car insurance in Vermont
Find savings (100% Free)
logos

What’s Your Rate?

But how do you know what policy is right for you in Vermont? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Vermont, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Vermont

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-02-24
  • Chevrolet Cobalt Lt
49 year old femaleProgressive$61.67$72.33Standard
2021-01-27
  • Ford Escape Se
21 year old maleProgressive$216.50$26.50Preferred
2021-02-08
  • Ford Expedition Xlt
  • Toyota Rav4 Xle
22 year old femaleNationwide$171.34$130.66Standard
2021-02-18
  • Jeep Grand Cherokee Limited
  • Honda Cr-v Lx
  • Toyota Tacoma Access Cab
  • Subaru Impreza 2.5i
94 year old maleProgressive$72.67$45.33Basic
2021-01-15
  • Toyota Tacoma Double Cab
45 year old maleNationwide$81.99$72.01Preferred

The Cheapest Car Insurance in Vermont

Which companies offer cheap car insurance in Vermont? Below, we’ve ranked Vermont car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

Compare cheapest car insurance in Vermont
Compare cheapest car insurance in Vermont
Find savings (100% Free)
logos

Cheapest Car Insurance in Vermont for Basic Coverage

There’s all kinds of auto insurance you can get in Vermont, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Vermont. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Vermont, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Vermont

Filters
RankCompany nameAvg. Annual Premium
1Progressive$849.24

Real Jerry Quotes for Basic Coverage in Vermont

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-02-02
  • Ford Fiesta St
21 year old maleProgressive$67.17$98.83
2021-01-27
  • Nissan Xterra Xe
  • Honda Pilot Exl
  • Subaru Legacy Outback 2.5i
  • Chevrolet Silverado K1500
25 year old maleProgressive$76.17$78.98
2020-12-14
  • Ford Escape Titanium
  • Nissan Altima 2.5
19 year old femaleProgressive$72.67$235.33
2021-01-20
  • Audi A3 S-line 3.2 Quattro
20 year old maleProgressive$57.50$112.50
2021-02-10
  • Nissan Altima 2.5
19 year old maleProgressive$72.50$127.50

Average Cheapest Car Insurance for Standard Plans in Vermont

Most drivers will want more than the basic minimum coverage that Vermont requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in Vermont, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Vermont

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$1,188.93
2Progressive$1,232.42
3Safeco$1,234.30

Real Jerry Quotes for Standard Coverage in Vermont

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-31
  • BMW 535 Xi
  • Toyota Tacoma Access Cab
55 year old maleSafeco$71.94$108.06
2020-12-27
  • Nissan Frontier Sv
23 year old maleNationwide$94.75$50.25
2021-02-08
  • Honda Fit Ex
28 year old maleProgressive$64.17$34.83
2020-12-02
  • Kia Sportage Lx
  • Kia Optima Lx
28 year old maleNationwide$144.76$302.64
2020-12-16
  • Subaru Wrx Premium
25 year old maleThe General$73.67$39.33

Cheapest Car Insurance in Vermont for Preferred Coverage

Preferred coverage protects Vermont drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in Vermont, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Vermont

Filters
RankCompany nameAvg. Annual Premium
1Safeco$901.52
2Progressive$1,194.24
3Nationwide$1,246.39

Real Jerry Quotes for Preferred Coverage in Vermont

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-02-07
  • Subaru Legacy L
31 year old femaleSafeco$59.42$84.58
2021-01-07
  • Dodge Ram 2500
21 year old femaleProgressive$106.17$123.83
2020-12-13
  • Chevrolet Cobalt Lt
49 year old femaleProgressive$77.17$56.83
2020-12-23
  • Honda Civic Lx
24 year old maleSafeco$71.68$59.33
2020-12-29
  • Jeep Grand Cherokee Laredo
73 year old femaleSafeco$77.53$128.47
Insurance companyAverage annual premium in Vermont
Progressive$2,021.33

Cost to Insure Different Cars in Vermont

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Vermont drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Vermont. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-05
  • Volkswagen Jetta S
24 year old maleProgressive$119.17$84.83Preferred
2021-01-27
  • Toyota Corolla Le
23 year old maleProgressive$200.50$299.50Preferred
2020-11-22
  • Toyota Rav4 Le
22 year old maleNationwide$62.80$114.20Preferred
2021-01-09
  • Saturn Ion Level 1
20 year old maleProgressive$59.83$90.17Basic
2020-12-27
  • Nissan Frontier Sv
23 year old maleNationwide$94.75$50.25Standard
2020-11-24
  • Kia Forte Ex
19 year old femaleProgressive$60.83$389.17Basic
2021-02-06
  • Toyota Rav4 Le
27 year old femaleNationwide$71.44$13.57Preferred

Car Insurance Laws in Vermont

It’s been documented that drivers in the Northeast are the worst in the country… except for Vermont. Drivers in the state of Vermont are near the top of the list of the best drivers in the U.S. However, millions of tourists visit the state every year, and that can put a burden on roads, contributing to car accidents and increased insurance premiums.

Vermont has a clear set of laws that tell motorists just how much car insurance they’re required to have. Here’s all you need to know about the minimum coverage required on auto insurance policies in Vermont.

What Car Insurance Is Required by Law in Vermont?

Before a vehicle owner can register their passenger car or private vehicle in Vermont, they must have proof of three types of auto insurance coverage: Property Damage Liability (PDL), Bodily Injury Liability (BIL), and Uninsured/Underinsured Motorist (UM) coverage.

Vermont is a tort state, also called an at-fault state. When a collision occurs, the driver at fault in the car accident is legally liable for the costs associated with injuries and property damage. Should the at-fault driver be uninsured or their insurance isn’t sufficient to cover all the costs, they can be sued by those who have experienced the financial losses.

The goal of PDL insurance is to compensate for physical property damage related to the collision. It’s third-party insurance, meaning it only covers damage to parties other than the at-fault driver. It can include repairs to a well-manicured yard, building damage, vehicle damage, and utility pole damage, as an example.

BIL coverage is also required and similarly pays for injuries that have happened from the motor vehicle accident, and is charged to the at-fault driver’s insurance. Compensation can be for emergency vehicle response, medical bills, lost wages, and prescriptions.

Vermont is rare in that uninsured motorist coverage is also mandatory in the state. This coverage is for the policyholder and pays for injuries and property damage if the other driver is at fault but doesn’t have insurance. Similarly, underinsured motorist coverage is required and pays for injuries or property damage when the at-fault driver doesn’t have enough coverage. Both of these coverages are similar to Personal Injury Protection (PIP), which is a type of coverage required by no-fault states.

Can You Drive a Car without Insurance in Vermont?

In the state of Vermont, drivers are not permitted to operate motor vehicles on the road without current and continuous proof of insurance or financial responsibility. If you’re found without mandatory insurance, you will pay fines of $500 or more, you’ll have points assessed to your license, and you’ll be required to pay higher insurance premiums.

Drivers in Vermont convicted of operating a vehicle without proper insurance will be required to obtain an SR-22 certificate that provides law enforcement with proof of financial responsibility in the amount of at least $115,000. While an SR-22 is not insurance in itself, the certificate costs around $15 and must be kept on file with the Vermont DMV for at least three years.

What Are the Minimum Car Insurance Requirements in Vermont?

Vermont requires that all drivers with a license in the state carry minimum coverages of insurance. The purpose of setting a minimum is to protect drivers and other motorists against the unexpected and unfortunate costs associated with a collision, whether from injuries or property damage. To legally drive a vehicle in Vermont, you must have the following minimum auto insurance coverage amounts.

Minimum Insurance Requirements in Vermont

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $50,000
  • Property damage liability per accident: $10,000
  • Uninsured/underinsured motorist coverage for bodily injury: $50,000 per person/$100,000 per accident
  • Uninsured/underinsured motorist coverage for property damage: $10,000

Car Registration Information in Vermont

In addition to getting at least the minimum amount of car insurance, drivers must also register every vehicle meant for use on the roads. If you’re moving to Vermont, you have 60 days to register your vehicle.

Vehicle registrations in Vermont require certain types of information based on the type of transaction. For new cars, the Manufacturer’s Certificate of Origin (MCO), an odometer disclosure statement, and taxes equivalent to 6% of the purchase price or NADA value must be submitted in addition to the initial registration fee. For a vehicle with a Vermont title, it’s the same with the exception of a title rather than the MCO. Vehicles from out of state require a visual vehicle identification number (VIN) verification as well.

When you register your vehicle, you’ll receive two license plates, one for the front and one for the rear of your vehicle, a registration card, and validation stickers. Whenever you renew your registration, a new validation sticker is issued to replace the old one, updating the license plate expiry date.

In Vermont, you must complete the initial registration process in person at a DMV Branch office. For renewals, you can renew by phone if you provide just your driver’s license number and credit card. Renew by mail by submitting your signed renewal notice, and a check or money order. In person at the DMV office is also allowed. However, by far the easiest method is online renewal at Vermont’s DMV Express website.

Registration renewals are $76 annually for a one-year term for gas or diesel autos and light-duty trucks, or $140 for a two-year term.

Compare cheapest car insurance in Vermont
Compare cheapest car insurance in Vermont
Find savings (100% Free)
logos