Call Us Toll Free: 1-855-430-7753
Go To Top
Get Personalized Car Insurance Quotes
Currently Insured?

Vermont Car Insurance


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. That means you can save a lot by comparing car insurance rates. You'll see the average rate, plus the highet and lowest, fielded from major insurers by entering your ZIP code, age and coverage level below.

Vermont Car Insurance Requirements
Average Car Insurance Rates in Vermont
Car Insurance Companies in Vermont

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

What you need to know about car insurance in Vermont

Penny Gusner
Consumer Analyst

Vermont Car Insurance Laws

Vermont's required minimum liability insurance is 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

RankCompany / GroupDirect Premiums Written ($)Market Share (%)
1Progressive Insurance Group50,72915.77
2Berkshire Hathaway Insurance40,34312.54
3Liberty Mutual Insurance Companies26,8948.36
4State Farm Group26,4678.23
5Allstate Insurance Group21,6336.72
6Concord Group Insurance Pool19,2255.97
7Hartford Insurance Group14,6304.55
8Nationwide Group14,5284.52
9VT Mutual Group13,9014.32
10USAA Group13,5034.20
Source: A.M. Best market share rankings are based on direct premiums written in 2013.