Cheap Vermont car insurance
Looking to get the best value out of your car insurance in Vermont? Understanding your options is key, no matter if you’re a new driver or just new to Vermont. Read on to find out which coverages you need, which optional coverages you can purchase for additional protection, and which money-saving discounts you might qualify for.
How much is car insurance in Vermont?
Car insurance costs in Vermont depend on a mix of factors, making them different for each driver:
Driving record: Vermont looks at your last three years of driving history. Keep your record clean, and you'll likely pay less.
Age: Younger drivers typically face higher rates.
ZIP code: Drivers who live in the city often pay more than someone in a rural area due to higher traffic and theft rates.
Vehicle type: A sporty car might cost more to insure than a family sedan with high safety ratings.
Coverage levels: While Vermont has minimum requirements, opting for higher coverage limits will increase your premium.
Insurance score: In Vermont, insurers can use your credit information to determine rates. Good credit could lead to savings.
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What are the minimum car insurance requirements in Vermont?
As a Vermont driver, you are required to meet or exceed minimum levels of certain car insurance coverages. Here’s what you need to know:
Bodily injury liability insurance in Vermont
Bodily injury liability can help cover costs if you're at-fault in an accident and someone from the other party is injured. They could file claims for medical expenses, loss of income, pain and suffering, legal fees, and even funeral costs. In Vermont, you’re required to carry at least:
$25,000 per person
$50,000 per accident
Property damage liability insurance in Vermont
Did you accidentally back into your neighbor's truck or public property like a road sign? Property damage liability can help protect you financially from costs associated with damage you cause to another person’s property. The minimum coverage amount required by the state of Vermont is:
$10,000 per accident
Uninsured motorist bodily injury and property damage coverage in Vermont
Car insurance is mandatory in Vermont, but not everyone follows the rules. Uninsured motorist (UM) bodily injury coverage can help pay for your injury-related expenses if you're in an accident with an at-fault driver who is operating without insurance. Vermont’s minimum coverage limits are:
$50,000 per person
$100,000 per accident
UM property damage coverage can help cover vehicle repair costs if you’re in an accident where an uninsured driver is at fault. Vermont requires you carry at least:
$10,000 per accident
Optional car insurance coverages in Vermont
Meeting the minimums is a good start, but the costs of insurance claims can add up quickly. In Vermont we offer additional coverages:
Special equipment
Lienholder deductible
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SR22 insurance in Vermont
If you’ve made some mistakes behind the wheel—such as a DUI—you might need an SR22 filing. Often referred to as “SR22 insurance,” an SR22 isn’t actually a car insurance policy. Instead, it’s a certificate of financial responsibility indicating you meet the state’s car insurance requirements.
We can help you secure an SR22 in Vermont, and we don't charge extra for filing.
Car insurance discounts in Vermont
Saving money on your insurance is always nice. Here are the car insurance discounts we offer in Vermont—you might qualify for more than you realize.
Multi-car: Got more than one ride in your household? Insure them together and save.
Prior insurance (transfer): Switching to Dairyland® from another provider? We'll help you start saving from day one.
Homeowners: Own your place? That shows a level of responsibility—and it can pay off.
Paid in full: Pay upfront and watch the savings roll in.
Advanced quote: Plan ahead and you could save on your premiums.
Who has the cheapest car insurance in Vermont?
If your goal is finding the cheapest car insurance, your best bet is to shop around. Get quotes from a few providers and compare. Just remember, the cheapest option isn't always the sweetest deal. Make sure you're getting the coverage you need with the customer service you deserve.
When searching for affordable car insurance in Vermont, keep these points in mind:
Compare apples to apples: Make sure you're comparing the same coverage levels and deductibles across different insurers. A policy might seem cheaper, but it could offer less protection.
Look beyond the price: Consider factors like customer service, claims handling, and financial stability. A rock-bottom price won't feel like a bargain if you're left hanging after an accident.
Reassess regularly: Your insurance needs can change over time. It's a good idea to review your coverage annually or when you experience major life changes like moving, changing marital status, or buying a new car.
Need more than Vermont car insurance?
Understanding Vermont state insurance requirements is just the beginning. To be a responsible driver in the Green Mountain State, you'll want to familiarize yourself with a few more things:
Driver requirements and laws
Vermont has its own set of rules for the road, and they go beyond just having the right insurance. Here are a few key points to keep in mind:
Seat belt use is mandatory for all passengers.
It's illegal to use hand-held electronic devices while driving.
You can turn left at a red light after coming to a complete stop.
Driver resources
To help you navigate Vermont state insurance requirements and other driving-related matters, keep these contacts handy:
Vermont Agency of Transportation
Think of the Vermont Agency of Transportation as your go-to for all things related to Vermont's roads and bridges. They provide:
Real-time road conditions
Construction updates
Winter driving tips
Checking their website before a long drive could save you time and hassle, especially during those snowy Vermont winters.
Vermont Department of Motor Vehicles
When it comes to the nuts and bolts of driving legally in Vermont, the DMV is your best friend. They can help with:
Driver's license renewals
Vehicle registration
Understanding Vermont state insurance requirements
Vermont State Police
The Vermont State Police aren't just there to hand out tickets. They're a valuable resource for:
Latest traffic laws
Safety tips
Emergency road conditions
Dairyland® brand property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit the Underwriting Company page.
