Vermont Car Insurance

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Here's what you need to know...
  • Vermont’s insurance limits are set at 25/50/10
  • This state’s minimum auto insurance coverage is affordable for almost everyone
  • Safe drivers are just one group of people who receive lower insurance rates in Vermont

Vermont car insurance can be obtained from over 50 different car insurance companies, including the top five insurance companies in the United States: Progressive, Nationwide, GEICO, Travelers, and Allstate.

When choosing a Vermont auto insurance provider, you should look at their policy rates, the coverage that you get, their customer service, and what discounts they offer.

Read through this auto insurance guide and then enter your zip code to get your free Vermont car insurance quotes today!

Vermont Car Insurance State Requirements

State law requires insurance for drivers in Vermont. The state limits are set at 25/50/10, which is insurance lingo for:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $10,000 property damage coverage (per accident)

These limits are not high, but they are all that is required by Vermont car insurance law.

Vermont Car Insurance Limits

Vermont’s minimum auto insurance coverage is affordable for almost everyone. However, if you can get more coverage, you should. Having more coverage will create less risk when you are cited for being at fault in an accident.

Take this example: You are involved in an accident with another car. Your car is totaled, and theirs needs $5,000 in repairs. Your car was valued at $8,000. Injuries are minimal and covered under your policy.

With state minimum coverage, you will only have $5,000 to replace your car, even though it was worth more. The insurance company will always pay the other person’s damages first, which leaves you with only $5,000 of the $10,000 for your damage.

With slightly higher coverage ($25,000 property damage), you would be more than covered. This extra coverage only costs a little more every month and could help ensure that everyone gets the insurance protection that they deserve.

With higher limits, you could get the full replacement value of your car ($8,000) to go toward a new one.

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Vermont Car Insurance Tips and Savings

Safe drivers get lower VT auto insurance rates, as do women, older people, and those who drive cars with advanced safety features. It might sound biased, but the information is all based on statistics:

  • Women are safer drivers than men
  • Younger people are more likely to get in accidents than older ones
  • People who have had accidents before are more likely to have them in the future
  • Those who have cars with airbags and other safety features will have fewer injury expenses in the event of an accident

To determine risk levels for people, the insurance industry does extensive research and tracking of auto accidents and various elements that occur often.

They get into every little detail, even proving that red cars are higher risk because they are statistically more commonly involved in accidents. Although this is only because of the common nature of red cars, it’s still a factor.

Anything with two doors and a hatch is usually rated as a sports car, even if it’s along the lines of the Geo Metro or the Ford Aspire (popular small hatchbacks in the 90’s).

Make sure you understand how your Vermont car insurance rates are calculated so that you can lower your risk as much as possible and save as much money as you can. The more you can save on car insurance, the more coverage you will be able to afford.

Enter your zip code to compare Vermont auto insurance quotes online now!

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