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Vermont’s Auto Insurance State Minimum Requirements And Common Amount Of Coverage

If you car looking for Vermont car insurance rates you have come to the right place to find the lowest quotes possible.

It is simple, just enter you five digit zip code at the top of the page and you will be provided quotes for the area you reside.

If you want to know the state minimum, average cover per driver, or the fine and penalties of driving without insurance in Vermont, then read on.

Vermont Minimum Car Insurance Requirements

CoverageVermont Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$10,000$20,000
Medical Payments CoverageOptional$5,000
Uninsured Motorist Bodily Injury Coverage$50,000 / $100,000$50,000 / $100,000
Uninsured Motorist Property Damage Coverage$10,000 with a $150 deductible (In some cases the deductible does not apply)$20,000
Comprehensive CoverageOptional$100 deductible
Collision CoverageOptional$500 deductible

Autoinsuresavings, has covered all the details for you in one spot rather than searching all over the internet to find out about your vehicular needs in VT.

If you are on your way to getting quotes you can review the state minimum requirements for VT.

Comparing rates for 25 year old driver in Vermont

Bodily Injury Liability

Bodily injury liability covers hospital costs for the driver and passengers of the other automobile if the insured party is accountable for the accident.

Under the minimum coverage, the insurance corporation will pay up to $25,000 for a single person and up to $50,000 for all passengers hurt in the accident.

Comparing insurance rates for 45 year old driver in Vermont

Property Damage Liability

Covers for physical damages to the other driver’s automobile as well as public property like guard rails, places or business, or traffic signs.

It include personal property like someone’s home, garage door, or mailbox. Under the minimum coverage, the insurance corporation will pay up to $10,000 for damages sustained.

Comparing vehicle insurance rates for 55 year old driver in Vermont

In insurance lingo you may see the numbers like this 25/50/10 which represents thousands for each as explained above.

Sometimes you may see the numbers like this: 25,000/50,000/10,000 which is the same.

The state of Vermont also requires drivers to carrying uninsured motorist protection or (UM) on the policy in the amount of $50,000 for one passenger and up to $100,000 for more than one passenger in a vehicle during an accident with an uninsured driver.

Uninsured motorist property damage liability is required on the policy with the minimum amount of $10,000.

2nd list of insurers for 25 year old driver in VT

Most Affordable Auto Insurance Companies in Vermont

2nd list of insurers for 45 year old driver in VT

RankVermont Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1Co-op Insurance$1,199$709$601
2GEICO$1,234$713$611
3Concord$1,256$756$614
4Progressive$1,267$776$619
6Unitrin$1,367$779$645
6National Grange Mutual$1,389$779$678
7Allstate$1,411$809$654
8State Farm$1,524$834$652
9Travelers$1,590$856$689
1021st Century$1,622$903$698
11Farmers$1,623$965$709
12Union Mutual$1,654$1,008$756
13MetLife $1,765$1,007$798

2nd list of insurers for 55 year old driver in VT

Best Insurance Companies by Rating and Complaint Ratio

RankInsurance CompanyRating out of 5Complaint Ratio
1GEICO4.80.09
2Concord General Mutual Insurance4.20.12
3Progressive4.80.35
4Essentia Insurance Company4.10.43
5Liberty Mutual4.70.48
6Nationwide 4.50.56
7National Grange Mutual4.20.76
8State Farm4.80.87
9Hartford4.50.88
10Vermont Mutual Insurance4.00.94
11Allstate4.30.94

Common auto insurance policy for the state of Vermont

  • Bodily Injury Liability – $100,000 / $300,000

  • Property Damage Liability – $50,000

  • Uninsured Motorist Protection – $100,000 / $300,000

  • Uninsured Motorist Property Damage – $10,000

  • Comprehensive Coverage – $100 deductible

  • Collision Coverage – $500 deductible

  • Medical Payments Coverage – $5,000

The state of VT is one the states in the nation with the lowest amount of drivers operating a motor vehicle without insurance.

However, they have increased the penalties for driving without insurance as of 2011 although there are states with uninsured motorists which are five times higher.

Vermont’s Penalties – Driving without Insurance

  • First offense – $250 fine

  • Second offense – $500 fine

  • Required to file an SR-22 with the Department of Motor Vehicles (DMV)

  • When convicted your license and registration are reinstated after you show proof of financial responsibility with an SR-22

Insurance Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
89 Main St, Montpelier, VT 05602
(802) 828-3301
380 Ballard Rd, Milton, VT 05468
(802) 524-6033
4 Market St, South Burlington, VT 05403
(802) 828-2085
WebsiteWebsiteWebsite

Local Car Insurance Agents & Average Rate

CityAverage RatePercentage Change vs State AverageCityAverage RatePercentage Change vs State Average
Arlington$1,093-5%Dover$1,042-5%
Barnette$1,043-5%Enosburg$1,039-5%
Barre$1,022-7%Essex$1,087-4%
Barton$936-7%Hydeville$1,112-4%
Bellow Falls$965-7%Jericho$1,114-4%
Bethel$996-7%Lyndon$1,011-5%
Bradford$1,076-5%Morristown$1,025-5%
Brandon$1,011-5%Newport$1,076-4%
Chelsea$1,043-5%Randolph$1,097-4%
Cornwall$1,099-4%Swanton$1,002-5%
Dorset$1,113-4%Westminster$1,028-5%

Burlington Auto Insurance

Cheapest insurance firms in Burlington, Vermont

Burlington drivers average insurance rate is $1,100. Our top three picks are GEICO, Progressive, and Co-op Insurance. If you pick any of the top four in our list you see savings of 10 percent. Apply discounts and the average could be 15 percent or more.

One of the coolest places is Burlington’s historic downtown or boat tours of Lake Champlain. The lake is one of the first naval battles of the Revolutionary War. With the Burlington Bike Path and separate hiking trails which many outdoor enthusiasts love.

RankBurlington, Vermont Auto Insurance CompanyAverage Annual Rate
1GEICO$865
2Progressive$877
3Co-op Insurance$909
4Concord$1,005
5Unitrin$1,008
6National Grange Mutual$1,113

Essex Junction Auto Insurance

Cheapest insurance firms in Essex Junction, Vermont

Essex Junction grew up as a mill town along falls created by the construction of a dam on Winooski River. The history of the village was influenced by IBM which arrived in 1958. Now it is Global Foundries. As of the 2020 census there are a little under 10,000 residents.

If you are in need of auto insurance in Essex Junction then our top pick is Co-op Insurance. GEICO and Progressive are second and third. Concord and Unitrin are certainly worth getting quotes from to see if there is possibility to get lower rates.

RankEssex, Vermont Auto Insurance CompanyAverage Annual Rate
1Co-op Insurance$812
2GEICO$843
3Progressive$899
4Concord$912
5Unitrin$915
6National Grange Mutual$954

Rutland Auto Insurance

Affordable auto insurance firms in Rutland, Vermont

Rutland is situated in the Green Mountains with beautiful scenery for outdoor enthusiasts and visitors alike. The town is on the outskirts surrounding the city of Rutland. Unknown to most, the Rutland area became one the largest producers of marble.

Our lowest insurance rate for Rutland was Co-op followed by Progressive and GEICO. The average insurance rate for the area is $1,080. If you get quotes from any of our top five picks you should be able to save over 10% pretty easy.

RankRutland, Vermont Auto Insurance CompanyAverage Annual Rate
1Co-op Insurance$756
2GEICO$766
3Progressive$809
4Concord$843
5Unitrin$845
6National Grange Mutual$848

Bennington Auto Insurance

Affordable auto insurance firms in Bennington, Vermont

Many visitors to the area are drawn by its rich history. The city is known for the Battle of Bennington which has monument to commemorate the Revolutionary War battle. Over 700 British were taken captive after the end of the battle.

Your two best options for insurance in Bennington are GEICO and Co-op Insurance. The average rate for the city is $1,000 for a 30 year old driver and $850 for a 45 year old driver. If you get quote from the top three then savings of 10% would happen.

RankBennington, Vermont Auto Insurance CompanyAverage Annual Rate
1Co-op Insurance$721
2GEICO$726
3Progressive$745
4Concord$765
5Unitrin$802
6National Grange Mutual$807

Battleboro Auto Insurance

Least expensive auto insurance firms in Battleboro

Brattleboro is in southeastern Vermont on the Connecticut River and along the border with New Hampshire.  As of the 2010 census there are over 12,000 residents. Home to the Alpine Ski Jumping’s renowned Fred Harris Memorial Tournament and Women’s Film Festival.

In our study for Battleboro we found the lowest insurance rates for a 30, 45, and 55 year old driver were from GEICO. Runner up’s are Progressive and Co-op. Since the average rate is $1,103 you could get savings of 15 to 20% by switching.

RankBattleboro, Vermont Auto Insurance CompanyAverage Annual Rate
1GEICO$755
2Co-op Insurance$767
3Progressive$787
4Concord$806
5Unitrin$833
6National Grange Mutual$856

Final Thoughts

At Autoinsuresavings you can compare cheap car insurance quotes by using the advance comparison tool at the top of the page.
You want to be sure to compare your quotes to be sure you are getting the lowest rates without losing any coverage or simply use an online directory to find a local agent.
Since auto insurance companies have different ways to determine your rate it is good to compare. You will always received quotes from top providers such as Geico, Progressive, E-surance, and Allstate. 
Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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