Compare car insurance in Vermont

Unless you’ve lived in multiple states, you might not know that each enforces its own laws and minimum requirements when it comes to auto insurance. Here’s what to expect from your auto insurnace when you get behind the wheel and out on Vermont’s winding mountain roads.

Most popular Vermont auto insurance companies list

Average car insurance costs in Vermont

Vermont’s statewide averages for car insurance costs were right around $950 to $1,000 annually in 2017. In fact, only three states in the nation had lower average rates. The national average comes in at $1,300.

You’ll find quite a bit of cost differences across the state, though. For example, a driver in downtown Burlington might pay more than someone living on a farm 30 miles away. This is partly because living in an area with high population density typically means a vehicle is at higher risk for theft, vandalism and traffic accidents.

Because insurance providers base much of their policy cost calculations on a driver’s likelihood of filing claims, lower risk can translate into lower costs for the customer.

Which city has the cheapest car insurance in Vermont?

Of Vermont’s largest cities, Rutland has the cheapest rates and Essex Junction has the most expensive car insurance rates. Essex Junction drivers could face rates 3 times more than Rutland drivers.

• Essex Junction
• Rutland
• Burlington
• South Burlington
• Colchester

State minimum requirements in Vermont

To legally drive in Vermont, you’ll need insurance that includes at least:

• $25,000 for injury or death to one person in an accident.
• $50,000 for total injury or death if multiple people are hurt in the accident.
• $10,000 for property damage.

In addition, you’ll need to carry uninsured/underinsured motorist coverage with at least:

• $50,000 for bodily injury to one person.
• $100,000 for total injury if multiple people are injured or killed.

Can I get SR-22 insurance in Vermont?

Yes. An SR-22 isn’t actually insurance, but rather a document proving to the state that you’re legally and legitimately insured. You might need an SR-22 in Vermont if you’ve gotten a DUI or you’re caught driving without car insurance.

Bottom line

Car insurance helps to protect you, your vehicle and everyone else on the road, and it’s legally required to get behind the wheel in the scenic state of Vermont. Vermont’s auto insurance rates are relatively low compared to national averages, but you could find ways to save even more if you’re willing to shop around and compare offerings from multiple providers.

To learn more about insurance regulations, discounts, policy extras and more, read our comprehensive guide to car insurance.

Frequently asked questions about Vermont car insurance

• Will my rates go up after I file a claim?

  They could. You might see your rates go up at policy renewal if you’ve recently filed a claim. Some companies also advertise a “surcharge schedule”— basically a predetermined premium increase they charge you after you file an accident claim. Check with your insurance company to see if they have a surcharge schedule and what that means for your rates.

• What happens if I miss a car insurance payment?

  You’re typically notified by your insurance provider if you’re late on a payment, prompting you to pay the bill as soon as possible. If you wait too long, however, your provider can cancel your coverage.

  Most insurance providers reserve the right to cancel your coverage if you’re late paying a single premium. To learn more, get in touch with your provider.

• How long do I have to report an accident?

  In Vermont, you have three days to report an accident that resulted in injury, deaths or property damages of $3,000 or more.