Vermont's required car insurance minimums are low compared with most states, especially for property damage. Most late-model cars are worth much more than the $10,000 that Vermont requires you carry.
A family with savings and a home should consider coverage of 100/300/50: $100,000 in bodily injury liability ($300,000 per accident) and $50,000 in property damage liability.
Vermont requires car owners to have uninsured and underinsured motorist coverage as well, both for bodily injury and for property damage. While this coverage is very helpful, it does not cover your car repairs or your medical bills if you are the at-fault driver. It only covers that if you are hit by an uninsured or underinsured motorist.
No texting. They mean it: While almost all states prohibit driver texting, Vermont is one of the few attaching points to driver's licenses for a conviction. The first offense is worth two points; the second is worth five. If you are cited for texting after an at-fault accident, it's an additional two points.
Vermont uninsured motorist penalties: You may be fined $47 to $622 and assessed two points.
No pizza delivery: Vermont limits the driving of teens with a Junior Operator's License. For the first year, or until you turn 18, you can't drive as part of your job.
Largest car insurance companies for Vermont by market share
||Company / Group
||Direct Premiums Written ($)
||Market Share (%)
||Progressive Insurance Group
||Berkshire Hathaway Insurance
||Liberty Mutual Insurance Companies
||State Farm Group
||Allstate Insurance Group
||Concord Group Insurance Pool
||Hartford Insurance Group
||VT Mutual Group
|Source: A.M. Best market share rankings are based on direct premiums written in 2013.