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Vermont

Vermont Car Insurance Rates


Vermont state car insurance rates are among the lowest in the country, thanks to its largely rural setting. Even so, finding the cheapest auto insurance will require drivers to shop around. In every ZIP code -- you can see below how all Vermont towns and cities compare -- the spread in rates between carriers can be hundreds of dollars for the same coverage.

Vermont car insurance requirements

Vermont state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $10,000
Uninsured/underinsured motorist bodily injury $50,000/$100,000
Uninsured motorist property damage $10,000

Vermont Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Vermont
  • 05828: $1,078
    BARNET
  • 05846: $982
    BRIGHTON
  • 05859: $981
    TROY
  • 05872: $981
    BROWNINGTON
 
Cheapest Neighborhoods
In Vermont
  • 05446: $873
    BURLINGTON
  • 05403: $874
    BURLINGTON
  • 05404: $875
    BURLINGTON
  • 05401: $877
    BURLINGTON


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What you need to know about car insurance in Vermont

Penny Gusner
CarInsurance.com
Consumer Analyst

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.

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.