Cheap Auto Insurance Quotes in Vermont

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Vermont Car Insurance Averages for Annual Premiums

$314
Minimum Coverage Average
$1123
Full Coverage Average
$842
All Coverage Types Average

Cheapest Car Insurance in Vermont

Getting cheap car insurance in Vermont doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Vermont affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in Vermont

The Insureist™ Data Science team ranks the best insurance companies in Vermont using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Vermont are determined based on these results.

Car Insurance in Vermont

Vermont Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Vermont to give you an idea of the average insurance premium in each city.  VT insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Vermont Car Insurance Quotes

The cheapest insurance companies in Vermont will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Vermont. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Vermont.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for VT car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for VT auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some VT insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Vermont SR‌-22 Insurance

You will need to get SR‌-22 insurance in VT if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in VT files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Vermont Car Insurance & Driving Facts

Which car insurance is best in Vermont?

The best car insurance company in Vermont will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple VT insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Vermont?

The minimum auto insurance liability coverage required in the state of Vermont is 25/50/10. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $10000 property damage coverage per accident. While these are the legal minimums to drive in Vermont, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional VT auto insurance coverage depending on your financial situation.

How much does car insurance cost in Vermont?

The average annual cost of an auto insurance policy in Vermont is $842. The average minimum coverage annual cost in Vermont is $314. The average full coverage annual cost in Vermont is $1123.

How does car insurance work in Vermont?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Vermont?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Vermont Map

Vermont

Vehicle Insurance

Cities

Vermont () is a state in the New England region of the United States. It borders the states of Massachusetts to the south, New Hampshire to the east, and New York to the west, and the Canadian province of Quebec to the north. Vermont is the only state in New England that does not border the Atlantic Ocean. Vermont is the second-least-populated U.S. state and the sixth-smallest by area of the 50 U.S. states. The state capital is Montpelier, the least-populous state capital in the United States. The most-populous city, Burlington, is the least-populous city to be the most-populous city in a state.

For some 12,000 years, indigenous peoples inhabited this area. The historically competitive tribes of the Algonquian-speaking Abenaki and Iroquoian-speaking Mohawk were active in the area at the time of European encounter.

During the 17th century, French colonists claimed the territory as part of the Kingdom of France's colony of New France. After the Kingdom of Great Britain began to settle colonies to the south along the Atlantic coast, the two nations competed in North America in addition to Europe. For years, each country enlisted Native American allies in continuous raiding and warfare between the New England and New France colonies. This produced an active trade in captives taken during such raids, often held for ransom, although some captives were adopted by families into the Mohawk or Abenaki tribes.

After being defeated in 1763 in the Seven Years' War, France ceded its territory east of the Mississippi River to Great Britain. Thereafter, the nearby British Thirteen Colonies, especially the provinces of New Hampshire and New York, disputed the extent of the area called the New Hampshire Grants to the west of the Connecticut River, encompassing present-day Vermont. The provincial government of New York sold land grants to settlers in the region, which conflicted with earlier grants from the government of New Hampshire. The Green Mountain Boys militia protected the interests of the established New Hampshire land grant settlers against the newly arrived settlers with land titles granted by New York.

Ultimately, a group of settlers with New Hampshire land grant titles established the Vermont Republic in 1777 as an independent state during the American Revolutionary War. The Vermont Republic abolished slavery before any of the other states. Vermont also became the first state to produce an African-American university graduate when Alexander Twilight graduated from Middlebury College in 1823.

Vermont was admitted to the newly established United States as the fourteenth state in 1791. Vermont is one of the four U.S. states that were previously sovereign states (along with Texas, California, and Hawaii).

During the mid-19th century, Vermont was a strong source of abolitionist sentiment, although it was also tied to King Cotton through the development of textile mills in the region, which relied on southern cotton. It sent a significant contingent of soldiers to participate in the American Civil War.

The geography of the state is marked by the Green Mountains, which run north–south up the middle of the state, separating Lake Champlain and other valley terrain on the west from the Connecticut River valley that defines much of its eastern border. A majority of its terrain is forested with hardwoods and conifers, and a majority of its open land is devoted to agriculture. The state's climate is characterized by warm, humid summers and cold, snowy winters.

Vermont's economic activity of $34 billion in 2018 ranked 52nd on the list of U.S. states and territories by GDP (every state plus Washington, D.C. and Puerto Rico were larger), but 34th in GDP per capita. In 1960, Vermonters' politics started to shift from being reliably Republican toward favoring Democratic candidates. Starting in 1963, Vermont voters have alternated between electing Republican and Democratic governors. Since 2007, Vermont has elected only Democrats and independents to Congress. In 2000, the state legislature was the first to recognize civil unions for same-sex couples. In 2011–2012, the state officially recognized four Abenaki tribes.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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