Vermont Car Insurance [Rates + Cheap Coverage Guide]

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Vermont State Statistics 
Annual Road MilesTotal In State: 14,238
Vehicle Miles Driven: 7.1 Billion
VehiclesRegistered In State: 582,331
Total Stolen: 244
Population626,299
Most Popular VehicleToyota RAV4
Uninsured Motorists 6.80%
State Rank: 47th
Total Driving Fatalities2008-2017
Speeding: 241
Drunk Driving: 184
Average Premiums (Annual)Liability: $343.12
Collision: $295.42
Comprehensive: $125.48
Combined Premium: $764.02
Cheapest ProvidersNationwide and USAA

High insurance rates got you down? Are you spending too much of your hard earned cash on car insurance when you could be spending it on something fun like a trip to Hawaii? Now, we’re not saying you’re going to save enough for a trip to Maui, but how do you know unless you shop around.

Whether it’s monthly, quarterly, or biannually, those bills from the insurance company never seem to stop coming. If you’re like us, receiving a letter from your insurance company is never a good thing. Consumers in the Green Mountain State paid an average of $764.02 for car insurance in 2015.

Were you one of them?

Or did you pay a lot more? Nobody likes to pay too much for anything, let alone, paying too much for car insurance. But where do you start? What if all of the information you needed to save money on your car insurance was in one spot? We’ve compiled everything you need to know about comparing and buying car insurance in Vermont in this comprehensive guide. Enter your zip code below to get started.

Table of Contents

Vermont Insurance Coverage and Rates

The median household income in Vermont in 2017 was over $57,153, and drivers, on average paid over $764 for car insurance. Now, we’re no math genius or anything, but that’s a lot of greenbacks you could be spending on something sweet like maple syrup, instead of pricey car insurance.

There has to be a better way.

– Minimum Car Insurance Coverage in Vermont

Below, we have provided information and helpful advice so you can get the best coverage options for your needs.

INSURANCE REQUIRED MINIMUM LIMITS: 25/50/10
Bodily Injury Liability$25,000 per person
$50,000 per accident
Property Damage Liability$10,000

Okay, you’ve read the numbers, but what do they mean?

What is 25/50/10?

Bodily injury?

Accidents?

We hope you never have to deal with any of these situations or end up in one of these:

But if you are in an accident, the basic coverage requirements in Vermont which all drivers must have for liability insurance are:

  • $25,000 to cover the death or injury of one person
  • $50,000 to cover the death or injury of more than one person
  • $10,000 to cover property damage

Liability insurance pays all individuals — drivers, passengers, pedestrians, etc. — who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes. If you cause a wreck, liability insurance pays everyone affected by the accident.

– Vermont’s Car Culture

You won’t find many crowded streets in Vermont. In fact, the largest city, Burlington, has fewer than 39,000 residents. Chances are you won’t get caught in a traffic jam, because there aren’t that many cars on the road unless you count the leaf-lookers in the fall.

However, you may find yourself at higher risk of having an accident since most of the driving in Vermont is done on rural roads. In 2016, 52 of the state’s total of 62 traffic fatalities occurred in rural areas.

– Required Forms of Financial Responsibility in Vermont

What is financial responsibility? Basically, financial responsibility is proof that you have Vermont’s minimum liability coverage. State law requires every driver and owner of a vehicle to have proof of financial security at all times.

In Vermont, motorists are required to carry a valid proof of their insurance coverage at all times. When a law enforcement officer asks to see this proof during a traffic stop, the driver must provide it.

Drivers who have auto insurance, but do not have proof of insurance at the time of a traffic stop have 15 days to provide proof to the officer who conducted the stop. This is accompanied by a fine of up to $100.

– Premiums as Percentage of Income in Vermont

In Vermont, the per capita disposable income is $42,267. On average, residents spend $764 a year on car insurance. To put this amount in perspective, the countrywide, annual average for car insurance is $981. This means people in Vermont pay less than the countrywide average and less than neighboring states New York and New Hampshire who pay yearly amounts of $1,328 and $795, respectively. 

You can also use our calculator to know how much you’re spending on premiums.

 

CalculatorPro


– Core Car Insurance Coverage Premiums in Vermont

The main concern of most every motorist in Vermont is the cost of insurance?

TYPE OF COVERAGEAVERAGE COST IN VERMONTAVERAGE COST NATIONALLY
Liability
$343.12$538.73
Collision$295.42$322.61
Comprehensive$125.48$148.04
Combined$764.02$1,009.38

The National Association of Insurance Commissioners, a leading source on insurance coverage, is the source for the above data. Car insurance rates in Vermont will likely be higher for 2019.

– Loss Ratios

To gauge the financial health of insurance companies, you should look at its loss ratios. Loss ratios are explained as: the money insurance companies pay out on claims compared to the money they take in on premiums is the loss ratio.

For example, an auto insurer collects $100,000 of premiums in a given year and pays out $45,000 in claims, the company’s loss ratio is 45 percent ($45,000 incurred losses/$100,000 earned premiums).

– Add-ons, Endorsements, and Riders

No one wants to be in a wreck, but if you are, do you have enough protection for you and your family? Have you considered adding extra coverages to your policy? Do you even know what’s out there?  Choosing from a list of options can be daunting, and we know you want the best options for your family at the best price.

To help you decide, we’ve made a list of affordable options to add to your policy. Click on the selections below to learn more about them:

Any of the above coverages would be great to add to a policy, so make sure to discuss any options you are interested in with your insurance carrier.

– Vermont Demographic Rates

In The Battle of the Sexes, the movie about tennis greats Billie Jean King and Bobby Riggs starring Emma Stone and Steve Carell, the battle over which sex is better than the other one was supposed to have been settled over a friendly tennis match.

Needless to say, that didn’t happen and arguments have ensued over the years that gender plays a major role in determining rates for both sexes in numerous consumer categories including car insurance.

In fact, females typically pay more than males for car insurance.

Actually, gender discrimination in car insurance rates is such a problem that California and other states banned gender discrimination and created gender neutral insurance plans.

Below, we show you rates that various folks in Vermont pay for car insurance.

CompanyDemographicAverage Annual Rate
Progressive NorthernSingle 17-year old male$11,415.82
Progressive NorthernSingle 17-year old female$10,429.81
State Farm Mutual AutoSingle 17-year old male$10,326.54
General Ins Co of AmericaSingle 17-year old male$8,935.93
State Farm Mutual AutoSingle 17-year old female$8,041.71
General Ins Co of AmericaSingle 17-year old female$8,037.59
Allstate F&CSingle 17-year old male$6,803.81
Allstate F&CSingle 17-year old female$5,154.27
Geico GeneralSingle 17-year old male$4,488.09
Nationwide MutualSingle 17-year old male$4,474.30
USAA CICSingle 17-year old male$3,881.09
Geico GeneralSingle 17-year old female$3,848.67
USAA CICSingle 17-year old female$3,710.69
Progressive NorthernSingle 25-year old male$3,670.58
Nationwide MutualSingle 17-year old female$3,515.58
Progressive NorthernSingle 25-year old female$3,448.68
Progressive NorthernMarried 35-year old female$3,373.74
State Farm Mutual AutoSingle 25-year old male$3,369.84
Progressive NorthernMarried 35-year old male$3,347.85
Progressive NorthernMarried 60-year old male$3,031.96
State Farm Mutual AutoSingle 25-year old female$3,030.29
Progressive NorthernMarried 60-year old female$3,018.68
State Farm Mutual AutoMarried 35-year old female$2,718.93
State Farm Mutual AutoMarried 35-year old male$2,718.93
Allstate F&CSingle 25-year old male$2,688.80
Allstate F&CSingle 25-year old female$2,449.28
State Farm Mutual AutoMarried 60-year old female$2,428.22
State Farm Mutual AutoMarried 60-year old male$2,428.22
General Ins Co of AmericaSingle 25-year old male$2,307.62
General Ins Co of AmericaSingle 25-year old female$2,175.96
Allstate F&CMarried 35-year old female$2,156.27
Allstate F&CMarried 35-year old male$2,156.27
Allstate F&CMarried 60-year old female$2,057.16
Allstate F&CMarried 60-year old male$2,057.16
General Ins Co of AmericaMarried 35-year old male$2,055.13
General Ins Co of AmericaMarried 35-year old female$1,899.55
General Ins Co of AmericaMarried 60-year old male$1,880.55
Nationwide MutualSingle 25-year old male$1,786.24
Geico GeneralMarried 35-year old female$1,684.84
General Ins Co of AmericaMarried 60-year old female$1,676.31
Nationwide MutualSingle 25-year old female$1,657.72
Geico GeneralMarried 60-year old female$1,657.04
USAA CICSingle 25-year old male$1,637.38
USAA CICSingle 25-year old female$1,568.30
Geico GeneralMarried 35-year old male$1,566.30
Geico GeneralMarried 60-year old male$1,509.79
Nationwide MutualMarried 35-year old male$1,472.29
Nationwide MutualMarried 35-year old female$1,446.33
Geico GeneralSingle 25-year old female$1,420.67
Geico GeneralSingle 25-year old male$1,390.28
Nationwide MutualMarried 60-year old male$1,372.80
Nationwide MutualMarried 60-year old female$1,300.39
USAA CICMarried 35-year old male$1,150.47
USAA CICMarried 35-year old female$1,145.98
USAA CICMarried 60-year old female$1,070.48
USAA CICMarried 60-year old male$1,064.01

As you can see from the table, in some cases, teen drivers pay thousands more than older drivers do for car insurance.

In addition to gender and age, where you live can affect your car insurance rates. We’ve collected data on the least and most expensive zip codes, so search to see where your zip code lands on the list. You’ll also see providers’ costs next to your zip code, providing a helpful snapshot into what you should be paying.

CityZipcodeAverageZipcodeAverageAllstate F&CGeico GeneralGeneral Ins Co of AmericaNationwide MutualProgressive NorthernState Farm Mutual AutoUSAA CIC
VERSHIRE05001$3,219.2305079$3,314.44$3,499.85$2,147.79$3,599.12$2,128.25$5,409.24$4,481.80$1,935.00
NORTH HYDE PARK05030$3,190.4505665$3,313.69$3,119.27$2,193.17$3,568.52$2,176.30$5,331.45$4,805.23$2,001.87
POST MILLS05032$3,239.9405058$3,310.47$3,499.85$2,147.79$3,599.12$2,128.25$5,355.49$4,507.78$1,935.00
SOUTH STRAFFORD05033$3,260.3005070$3,310.47$3,499.85$2,147.79$3,599.12$2,128.25$5,355.49$4,507.78$1,935.00
WEST FAIRLEE05034$3,241.4405083$3,310.47$3,499.85$2,147.79$3,599.12$2,128.25$5,355.49$4,507.78$1,935.00
RANDOLPH CENTER05035$3,214.5305061$3,308.97$3,499.85$2,147.79$3,599.12$2,128.25$5,355.49$4,497.32$1,935.00
FAIRLEE05036$3,258.5205045$3,306.76$3,499.85$2,147.79$3,599.12$2,128.25$5,355.49$4,481.80$1,935.00
STRAFFORD05037$3,188.7505072$3,306.76$3,499.85$2,147.79$3,599.12$2,128.25$5,355.49$4,481.80$1,935.00
PASSUMPSIC05038$3,249.7505861$3,303.91$3,119.27$2,301.89$3,728.41$2,073.91$5,680.68$4,355.45$1,867.75
EAST RANDOLPH05039$3,236.9805041$3,302.51$3,499.85$2,147.79$3,599.12$2,128.25$5,299.77$4,507.78$1,935.00
THETFORD CENTER05040$3,241.5005075$3,302.10$3,499.85$2,147.79$3,599.12$2,128.25$5,355.49$4,449.20$1,935.00
NORTH TROY05041$3,302.5105859$3,301.97$3,182.29$2,301.89$3,728.41$2,073.91$5,575.67$4,383.91$1,867.75
LOWER WATERFORD05042$3,265.1305848$3,300.29$3,119.27$2,301.89$3,728.41$2,073.91$5,655.33$4,355.45$1,867.75
PLAINFIELD05043$3,282.0305667$3,300.03$3,119.27$2,147.79$3,599.12$2,176.30$5,400.78$4,721.98$1,935.00
EAST BARRE05045$3,306.7605649$3,299.21$3,072.81$2,147.79$3,804.59$2,128.25$5,335.51$4,670.51$1,935.00
GREENSBORO BEND05046$3,285.3705842$3,297.91$3,182.29$2,301.89$3,728.41$2,073.91$5,575.67$4,355.45$1,867.75
WEST GLOVER05048$3,232.7605875$3,297.91$3,182.29$2,301.89$3,728.41$2,073.91$5,575.67$4,355.45$1,867.75
RANDOLPH05049$3,244.0805060$3,297.50$3,499.85$2,147.79$3,599.12$2,128.25$5,299.77$4,472.70$1,935.00
BARNET05050$3,222.8105821$3,292.97$3,119.27$2,301.89$3,728.41$2,073.91$5,575.67$4,383.91$1,867.75
GRANITEVILLE05051$3,251.3005654$3,292.69$3,072.81$2,147.79$3,804.59$2,103.76$5,480.92$4,507.78$1,931.15
NORTHFIELD05052$3,238.6405663$3,290.17$3,072.81$2,147.79$3,599.12$2,176.30$5,480.92$4,619.30$1,935.00
NORTH MONTPELIER05053$3,238.6405666$3,288.91$3,119.27$2,147.79$3,804.59$2,176.30$5,335.51$4,507.78$1,931.15
WEST DANVILLE05054$3,243.4605873$3,288.90$3,119.27$2,301.89$3,728.41$2,073.91$5,575.67$4,355.45$1,867.75
ALBANY05055$3,220.8705820$3,288.13$3,182.29$2,301.89$3,728.41$2,073.91$5,507.25$4,355.45$1,867.75
EAST CHARLESTON05056$3,209.9705833$3,288.13$3,182.29$2,301.89$3,728.41$2,073.91$5,507.25$4,355.45$1,867.75
LYNDON CENTER05058$3,310.4705850$3,288.13$3,182.29$2,301.89$3,728.41$2,073.91$5,507.25$4,355.45$1,867.75
ORLEANS05059$3,272.3305860$3,286.92$3,182.29$2,301.89$3,728.41$2,073.91$5,575.67$4,278.52$1,867.75
WEST CHARLESTON05060$3,297.5005872$3,286.92$3,182.29$2,301.89$3,728.41$2,073.91$5,575.67$4,278.52$1,867.75
WESTMINSTER05061$3,308.9705158$3,285.81$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,735.18$1,828.94
GROTON05062$3,198.8605046$3,285.37$3,119.27$2,301.89$3,728.41$2,073.91$5,477.66$4,428.68$1,867.75
MORGAN05065$3,233.3005853$3,283.91$3,182.29$2,301.89$3,728.41$2,073.91$5,477.66$4,355.45$1,867.75
SUTTON05067$3,233.3005867$3,283.91$3,182.29$2,301.89$3,728.41$2,073.91$5,477.66$4,355.45$1,867.75
TROY05068$3,234.9305868$3,283.91$3,182.29$2,301.89$3,728.41$2,073.91$5,477.66$4,355.45$1,867.75
LOWELL05069$3,269.2005847$3,282.03$3,182.29$2,301.89$3,728.41$2,073.91$5,507.25$4,312.74$1,867.75
EAST THETFORD05070$3,310.4705043$3,282.03$3,499.85$2,147.79$3,599.12$2,128.25$5,246.02$4,418.17$1,935.00
FOREST DALE05071$3,238.6405745$3,281.97$3,124.41$2,193.17$3,481.51$2,177.68$5,463.78$4,507.78$2,025.48
CALAIS05072$3,306.7605648$3,281.86$3,119.27$2,147.79$3,599.12$2,176.30$5,364.83$4,630.71$1,935.00
MORETOWN05073$3,238.6405660$3,281.11$3,072.81$2,147.79$3,599.12$2,176.30$5,474.30$4,562.49$1,935.00
WASHINGTON05075$3,302.1005675$3,280.39$3,072.81$2,147.79$3,599.12$2,128.25$5,409.24$4,670.51$1,935.00
CABOT05076$3,249.4605647$3,280.12$3,119.27$2,147.79$3,599.12$2,176.30$5,400.78$4,582.60$1,935.00
EAST CALAIS05077$3,230.1105650$3,280.12$3,119.27$2,147.79$3,599.12$2,176.30$5,400.78$4,582.60$1,935.00
WOODBURY05079$3,314.4405681$3,279.94$3,119.27$2,147.79$3,599.12$2,176.30$5,474.30$4,507.78$1,935.00
NEWPORT CENTER05081$3,266.9405857$3,279.79$3,182.29$2,301.89$3,728.41$2,073.91$5,477.66$4,326.63$1,867.75
EAST HARDWICK05083$3,310.4705836$3,279.13$3,119.27$2,301.89$3,728.41$2,073.91$5,507.25$4,355.45$1,867.75
JEFFERSONVILLE05084$3,241.4405464$3,279.04$3,119.27$2,193.17$3,568.52$2,176.30$4,974.43$4,919.72$2,001.87
BARTON05085$3,242.9605822$3,278.78$3,182.29$2,301.89$3,728.41$2,073.91$5,507.25$4,289.95$1,867.75
WATERBURY05086$3,277.9505676$3,278.05$3,072.81$2,147.79$3,568.52$2,176.30$5,510.25$4,535.69$1,935.00
WEST TOPSHAM05089$3,186.5405086$3,277.95$3,072.81$2,147.79$3,599.12$2,128.25$5,409.24$4,653.43$1,935.00
DERBY05091$3,242.3905829$3,277.14$3,182.29$2,301.89$3,728.41$2,073.91$5,507.25$4,278.52$1,867.75
DERBY LINE05101$3,259.3005830$3,277.14$3,182.29$2,301.89$3,728.41$2,073.91$5,507.25$4,278.52$1,867.75
MARSHFIELD05141$3,237.6805658$3,276.04$3,119.27$2,147.79$3,599.12$2,176.30$5,335.51$4,619.30$1,935.00
GLOVER05142$3,196.0705839$3,275.59$3,182.29$2,301.89$3,728.41$2,073.91$5,477.66$4,297.24$1,867.75
IRASBURG05143$3,181.8805845$3,275.59$3,182.29$2,301.89$3,728.41$2,073.91$5,477.66$4,297.24$1,867.75
HARDWICK05146$3,249.7605843$3,275.17$3,119.27$2,301.89$3,728.41$2,073.91$5,575.67$4,259.31$1,867.75
NEWPORT05148$3,236.7705855$3,275.13$3,182.29$2,301.89$3,728.41$2,073.91$5,477.66$4,294.05$1,867.75
CRAFTSBURY COMMON05149$3,184.6805827$3,274.90$3,119.27$2,301.89$3,728.41$2,073.91$5,477.66$4,355.45$1,867.75
WOLCOTT05150$3,191.5505680$3,274.80$3,119.27$2,193.17$3,568.52$2,176.30$5,056.51$4,807.99$2,001.87
SHEFFIELD05151$3,188.7505866$3,274.13$3,182.29$2,301.89$3,728.41$2,073.91$5,409.24$4,355.45$1,867.75
WESTFIELD05152$3,230.3305874$3,273.28$3,182.29$2,301.89$3,728.41$2,073.91$5,409.24$4,349.47$1,867.75
EAST SAINT JOHNSBURY05153$3,198.8605838$3,272.92$3,119.27$2,301.89$3,728.41$2,073.91$5,463.78$4,355.45$1,867.75
SAINT JOHNSBURY CENTER05154$3,237.6805863$3,272.92$3,119.27$2,301.89$3,728.41$2,073.91$5,463.78$4,355.45$1,867.75
WARREN05155$3,234.5505674$3,272.87$3,072.81$2,147.79$3,599.12$2,176.30$5,510.25$4,468.82$1,935.00
QUECHEE05156$3,186.5405059$3,272.33$3,499.85$2,147.79$3,599.12$2,128.25$5,268.41$4,433.97$1,828.94
LYNDONVILLE05158$3,285.8105851$3,272.18$3,182.29$2,301.89$3,728.41$2,073.91$5,507.25$4,243.79$1,867.75
CANAAN05159$3,210.1205903$3,269.38$3,182.29$2,301.89$3,666.66$2,073.91$5,409.24$4,383.91$1,867.75
SOUTH RYEGATE05161$3,185.0105069$3,269.20$3,119.27$2,301.89$3,728.41$2,073.91$5,409.24$4,383.91$1,867.75
PEACHAM05201$3,230.6105862$3,269.20$3,119.27$2,301.89$3,728.41$2,073.91$5,409.24$4,383.91$1,867.75
BEEBE PLAIN05250$3,224.0905823$3,269.09$3,182.29$2,301.89$3,728.41$2,073.91$5,373.93$4,355.45$1,867.75
NORTHFIELD FALLS05251$3,210.1405664$3,268.67$3,072.81$2,147.79$3,599.12$2,176.30$5,441.88$4,507.78$1,935.00
STOWE05252$3,231.2405672$3,268.08$3,119.27$2,193.17$3,568.52$2,176.30$4,945.10$4,872.36$2,001.87
WELLS RIVER05253$3,225.6705081$3,266.94$3,119.27$2,147.79$3,599.12$2,128.25$5,409.24$4,529.91$1,935.00
WEST BURKE05255$3,225.6705871$3,266.92$3,182.29$2,301.89$3,728.41$2,073.91$5,477.66$4,236.54$1,867.75
PUTNEY05257$3,228.3905346$3,266.28$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,598.47$1,828.94
MORRISVILLE05260$3,231.2405661$3,265.76$3,119.27$2,193.17$3,568.52$2,176.30$4,945.10$4,856.08$2,001.87
MOSCOW05261$3,227.9005662$3,265.74$3,119.27$2,193.17$3,568.52$2,176.30$4,995.85$4,805.23$2,001.87
WILLIAMSTOWN05262$3,223.7305679$3,265.39$3,072.81$2,147.79$3,599.12$2,128.25$5,355.49$4,619.30$1,935.00
EAST HAVEN05301$3,258.7805837$3,265.31$3,182.29$2,301.89$3,666.66$2,073.91$5,409.24$4,355.45$1,867.75
AVERILL05340$3,225.6705901$3,265.31$3,182.29$2,301.89$3,666.66$2,073.91$5,409.24$4,355.45$1,867.75
NORTON05341$3,258.9605907$3,265.31$3,182.29$2,301.89$3,666.66$2,073.91$5,409.24$4,355.45$1,867.75
EAST RYEGATE05342$3,237.6805042$3,265.13$3,119.27$2,301.89$3,728.41$2,073.91$5,409.24$4,355.45$1,867.75
ROXBURY05343$3,250.1905669$3,264.56$3,072.81$2,147.79$3,568.52$2,176.30$5,364.83$4,586.71$1,935.00
WATERVILLE05345$3,260.9305492$3,262.68$3,119.27$2,193.17$3,568.52$2,176.30$4,974.43$4,805.23$2,001.87
EDEN MILLS05346$3,266.2805653$3,262.68$3,119.27$2,193.17$3,568.52$2,176.30$4,974.43$4,805.23$2,001.87
JOHNSON05350$3,230.4705656$3,261.54$3,119.27$2,193.17$3,568.52$2,176.30$4,974.43$4,797.26$2,001.87
NORTH CONCORD05351$3,237.6805858$3,261.42$3,182.29$2,301.89$3,666.66$2,073.91$5,409.24$4,328.19$1,867.75
EAST BURKE05352$3,229.4305832$3,261.38$3,182.29$2,301.89$3,728.41$2,073.91$5,409.24$4,266.19$1,867.75
NEWFANE05353$3,257.0605345$3,260.93$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,670.51$1,828.94
BRADFORD05354$3,254.2105033$3,260.30$3,072.81$2,147.79$3,599.12$2,128.25$5,409.24$4,529.91$1,935.00
WATERBURY CENTER05355$3,259.5005677$3,260.01$3,072.81$2,147.79$3,599.12$2,176.30$5,364.83$4,524.25$1,935.00
WARDSBORO05356$3,243.3205355$3,259.50$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,551.05$1,828.94
BELLOWS FALLS05357$3,187.5105101$3,259.30$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,659.09$1,828.94
EAST DOVER05358$3,253.3205341$3,258.96$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,547.26$1,828.94
HYDE PARK05359$3,253.3205655$3,258.89$3,119.27$2,193.17$3,568.52$2,176.30$4,945.10$4,807.99$2,001.87
BRATTLEBORO05360$3,252.4105301$3,258.78$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,546.03$1,828.94
BROOKFIELD05361$3,257.4205036$3,258.52$3,072.81$2,147.79$3,599.12$2,128.25$5,355.49$4,571.19$1,935.00
SOUTH BARRE05362$3,237.6805670$3,258.11$3,072.81$2,147.79$3,804.59$2,176.30$5,162.52$4,507.78$1,935.00
WORCESTER05363$3,257.4205682$3,257.80$3,072.81$2,147.79$3,599.12$2,176.30$5,364.83$4,508.75$1,935.00
WHITINGHAM05401$3,134.7505361$3,257.42$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,536.51$1,828.94
WILMINGTON05403$3,131.9905363$3,257.42$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,536.51$1,828.94
GUILDHALL05404$3,120.6105905$3,257.35$3,182.29$2,301.89$3,666.66$2,073.91$5,409.24$4,299.69$1,867.75
BELVIDERE CENTER05405$3,169.6305442$3,257.11$3,119.27$2,193.17$3,568.52$2,176.30$4,974.43$4,766.21$2,001.87
LAKE ELMORE05408$3,171.2805657$3,257.09$3,119.27$2,193.17$3,568.52$2,176.30$4,935.28$4,805.23$2,001.87
TOWNSHEND05439$3,196.8505353$3,257.06$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,533.99$1,828.94
CRAFTSBURY05440$3,140.0805826$3,255.77$3,119.27$2,301.89$3,728.41$2,073.91$5,409.24$4,289.95$1,867.75
WAITSFIELD05441$3,211.7105673$3,255.31$3,072.81$2,147.79$3,599.12$2,176.30$5,364.83$4,491.32$1,935.00
VERNON05442$3,257.1105354$3,254.21$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,623.51$1,828.94
ADAMANT05443$3,191.9205640$3,253.47$3,072.81$2,147.79$3,599.12$2,176.30$5,335.51$4,507.78$1,935.00
WEST HALIFAX05444$3,242.8505358$3,253.32$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,507.78$1,828.94
WEST TOWNSHEND05445$3,193.7705359$3,253.32$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,507.78$1,828.94
SAINT JOHNSBURY05446$3,098.6605819$3,252.73$3,119.27$2,301.89$3,728.41$2,073.91$5,409.24$4,268.64$1,867.75
EDEN05447$3,215.2205652$3,252.67$3,119.27$2,193.17$3,568.52$2,176.30$4,974.43$4,735.16$2,001.87
WEST WARDSBORO05448$3,195.5105360$3,252.41$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,501.42$1,828.94
GREENSBORO05450$3,222.3005841$3,251.40$3,119.27$2,301.89$3,728.41$2,073.91$5,409.24$4,259.31$1,867.75
NEWBURY05452$3,133.3505051$3,251.30$3,119.27$2,147.79$3,599.12$2,128.25$5,299.77$4,529.91$1,935.00
JAMAICA05454$3,201.5005343$3,250.19$3,124.41$2,147.79$3,599.12$2,128.25$5,436.94$4,485.88$1,828.94
GRAFTON05455$3,197.7105146$3,249.76$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,592.36$1,828.94
CHELSEA05456$3,190.5305038$3,249.75$3,072.81$2,147.79$3,599.12$2,128.25$5,246.02$4,619.30$1,935.00
DANVILLE05457$3,214.1605828$3,249.71$3,119.27$2,301.89$3,728.41$2,073.91$5,409.24$4,247.48$1,867.75
BEECHER FALLS05458$3,129.6905902$3,249.67$3,182.29$2,301.89$3,666.66$2,073.91$5,299.77$4,355.45$1,867.75
GILMAN05459$3,203.5805904$3,249.67$3,182.29$2,301.89$3,666.66$2,073.91$5,299.77$4,355.45$1,867.75
TOPSHAM05460$3,170.3405076$3,249.46$3,072.81$2,147.79$3,599.12$2,128.25$5,355.49$4,507.78$1,935.00
LUNENBURG05461$3,199.6805906$3,248.00$3,182.29$2,301.89$3,666.66$2,073.91$5,299.77$4,343.70$1,867.75
CUTTINGSVILLE05462$3,144.6105738$3,244.50$3,124.41$2,193.17$3,481.51$2,177.68$5,046.29$4,662.96$2,025.48
KILLINGTON05463$3,142.0805751$3,244.50$3,124.41$2,193.17$3,481.51$2,177.68$5,046.29$4,662.96$2,025.48
ISLAND POND05464$3,279.0405846$3,244.42$3,182.29$2,301.89$3,666.66$2,073.91$5,355.49$4,262.99$1,867.75
HARTLAND FOUR CORNERS05465$3,150.6205049$3,244.08$3,499.85$2,147.79$3,599.12$2,128.25$4,996.85$4,507.78$1,828.94
NORTH THETFORD05466$3,152.9205054$3,243.46$3,499.85$2,147.79$3,599.12$2,128.25$4,886.43$4,507.78$1,935.00
WEST DOVER05468$3,208.4005356$3,243.32$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,547.26$1,828.94
EAST MONTPELIER05471$3,218.6705651$3,243.13$3,072.81$2,147.79$3,804.59$2,176.30$5,444.98$4,124.32$1,931.15
WEST NEWBURY05472$3,124.2305085$3,242.96$3,119.27$2,147.79$3,599.12$2,128.25$5,263.50$4,507.78$1,935.00
STOCKBRIDGE05473$3,138.8205772$3,242.88$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,537.45$1,828.94
CAMBRIDGE05474$3,148.5605444$3,242.85$3,442.59$2,193.17$3,778.77$2,079.78$5,335.51$4,001.84$1,868.29
WOODSTOCK05476$3,230.4605091$3,242.39$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,533.99$1,828.94
EAST CORINTH05477$3,203.0905040$3,241.50$3,072.81$2,147.79$3,599.12$2,128.25$5,299.77$4,507.78$1,935.00
BRIDGEWATER05478$3,193.2705034$3,241.44$3,499.85$2,147.79$3,599.12$2,128.25$4,978.33$4,507.78$1,828.94
WEST HARTFORD05481$3,177.1705084$3,241.44$3,499.85$2,147.79$3,599.12$2,128.25$4,978.33$4,507.78$1,828.94
MONTPELIER05482$3,172.9205602$3,240.76$3,072.81$2,147.79$3,804.59$2,103.76$5,510.25$4,114.96$1,931.15
BETHEL05483$3,206.2205032$3,239.94$3,499.85$2,147.79$3,599.12$2,128.25$4,978.33$4,497.32$1,828.94
BELMONT05485$3,176.2605730$3,239.71$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,638.33$2,025.48
NORTH HARTLAND05486$3,151.8305052$3,238.64$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,507.78$1,828.94
NORTH POMFRET05487$3,187.2505053$3,238.64$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,507.78$1,828.94
SOUTH WOODSTOCK05488$3,204.3805071$3,238.64$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,507.78$1,828.94
TAFTSVILLE05489$3,218.3905073$3,238.64$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,507.78$1,828.94
GAYSVILLE05490$3,168.5505746$3,238.64$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,507.78$1,828.94
CONCORD05491$3,191.5205824$3,238.10$3,182.29$2,301.89$3,666.66$2,073.91$5,299.77$4,274.42$1,867.75
CAMBRIDGEPORT05492$3,262.6805141$3,237.68$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,507.78$1,828.94
SAXTONS RIVER05494$3,200.1105154$3,237.68$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,507.78$1,828.94
JACKSONVILLE05495$3,190.1405342$3,237.68$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,507.78$1,828.94
SOUTH NEWFANE05602$3,240.7605351$3,237.68$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,507.78$1,828.94
WILLIAMSVILLE05640$3,253.4705362$3,237.68$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,507.78$1,828.94
CORINTH05641$3,236.5705039$3,236.98$3,072.81$2,147.79$3,599.12$2,128.25$5,246.02$4,529.91$1,935.00
LONDONDERRY05647$3,280.1205148$3,236.77$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,501.42$1,828.94
BARRE05648$3,281.8605641$3,236.57$3,072.81$2,147.79$3,804.59$2,103.76$5,480.92$4,114.96$1,931.15
ROCHESTER05649$3,299.2105767$3,234.99$3,499.85$2,147.79$3,568.52$2,128.25$4,958.77$4,512.82$1,828.94
SOUTH ROYALTON05650$3,280.1205068$3,234.93$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,481.80$1,828.94
SOUTH LONDONDERRY05651$3,243.1305155$3,234.55$3,124.41$2,147.79$3,599.12$2,128.25$5,327.47$4,485.88$1,828.94
SHARON05652$3,252.6705065$3,233.30$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,470.36$1,828.94
SOUTH POMFRET05653$3,262.6805067$3,233.30$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,470.36$1,828.94
HARTLAND05654$3,292.6905048$3,232.76$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,466.56$1,828.94
EAST ARLINGTON05655$3,258.8905252$3,231.24$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,507.78$2,025.48
NORTH POWNAL05656$3,261.5405260$3,231.24$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,507.78$2,025.48
CHITTENDEN05657$3,257.0905737$3,231.03$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,577.58$2,025.48
PITTSFORD05658$3,276.0405763$3,231.03$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,577.58$2,025.48
BENNINGTON05660$3,281.1105201$3,230.61$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,503.36$2,025.48
READSBORO05661$3,265.7605350$3,230.47$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,502.38$2,025.48
RICHFORD05662$3,265.7405476$3,230.46$3,182.29$2,193.09$3,778.77$2,079.78$5,364.83$4,108.53$1,905.94
PERU05663$3,290.1705152$3,230.33$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,501.42$2,025.48
TUNBRIDGE05664$3,268.6705077$3,230.11$3,072.81$2,147.79$3,599.12$2,128.25$5,246.02$4,481.80$1,935.00
STAMFORD05665$3,313.6905352$3,229.43$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,495.11$2,025.48
WEBSTERVILLE05666$3,288.9105678$3,228.76$3,072.81$2,147.79$3,599.12$2,176.30$5,162.52$4,507.78$1,935.00
NORTH BENNINGTON05667$3,300.0305257$3,228.39$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,487.85$2,025.48
POWNAL05669$3,264.5605261$3,227.90$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,484.38$2,025.48
HYDEVILLE05670$3,258.1105750$3,226.99$3,124.41$2,193.17$3,481.51$2,177.68$5,078.91$4,507.78$2,025.48
EAST DORSET05672$3,268.0805253$3,225.67$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,468.82$2,025.48
MANCHESTER CENTER05673$3,255.3105255$3,225.67$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,468.82$2,025.48
BONDVILLE05674$3,272.8705340$3,225.67$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,468.82$2,025.48
WEST RUPERT05675$3,280.3905776$3,225.67$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,468.82$2,025.48
NORTH CLARENDON05676$3,278.0505759$3,224.46$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,611.74$1,945.28
ARLINGTON05677$3,260.0105250$3,224.09$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,457.74$2,025.48
SHAFTSBURY05678$3,228.7605262$3,223.73$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,455.25$2,025.48
MC INDOE FALLS05679$3,265.3905050$3,222.81$3,119.27$2,301.89$3,728.41$2,073.91$5,112.98$4,355.45$1,867.75
ENOSBURG FALLS05680$3,274.8005450$3,222.30$3,182.29$2,193.09$3,778.77$2,079.78$5,364.83$4,051.39$1,905.94
EAST WALLINGFORD05681$3,279.9405742$3,221.06$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,507.78$2,025.48
FLORENCE05682$3,257.8005744$3,221.06$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,507.78$2,025.48
NORWICH05701$3,121.5205055$3,220.87$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,383.33$1,828.94
PITTSFIELD05730$3,239.7105762$3,220.16$3,124.41$2,193.17$3,481.51$2,177.68$5,001.45$4,537.45$2,025.48
EAST POULTNEY05732$3,207.6705741$3,220.01$3,124.41$2,193.17$3,481.51$2,177.68$5,030.05$4,507.78$2,025.48
WHITE RIVER JUNCTION05733$3,209.7405001$3,219.23$3,499.85$2,147.79$3,599.12$2,128.25$4,958.77$4,371.90$1,828.94
MONTGOMERY CENTER05734$3,136.2905471$3,218.67$3,119.27$2,193.09$3,778.77$2,079.78$5,335.51$4,118.34$1,905.94
UNDERHILL05735$3,203.0205489$3,218.39$3,442.59$2,193.17$3,568.52$2,079.78$5,119.92$4,256.43$1,868.29
DANBY05736$3,186.4505739$3,217.13$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,480.24$2,025.48
MOUNT HOLLY05737$3,231.0305758$3,215.93$3,124.41$2,193.17$3,481.51$2,177.68$5,001.45$4,507.78$2,025.48
EAST BERKSHIRE05738$3,244.5005447$3,215.22$3,182.29$2,193.09$3,778.77$2,079.78$5,364.83$4,001.84$1,905.94
BRIDGEWATER CORNERS05739$3,217.1305035$3,214.53$3,124.41$2,147.79$3,599.12$2,128.25$4,958.77$4,714.46$1,828.94
WALLINGFORD05741$3,220.0105773$3,214.43$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,461.34$2,025.48
FRANKLIN05742$3,221.0605457$3,214.16$3,182.29$2,193.09$3,778.77$2,079.78$5,335.51$4,023.77$1,905.94
BAKERSFIELD05743$3,193.9005441$3,211.71$3,119.27$2,193.09$3,778.77$2,079.78$5,364.83$4,040.32$1,905.94
DORSET05744$3,221.0605251$3,210.14$3,124.41$2,193.17$3,481.51$2,177.68$5,108.65$4,360.11$2,025.48
WESTMINSTER STATION05745$3,281.9705159$3,210.12$3,124.41$2,147.79$3,599.12$2,128.25$5,134.56$4,507.78$1,828.94
PLYMOUTH05746$3,238.6405056$3,209.97$3,124.41$2,147.79$3,599.12$2,128.25$4,978.33$4,662.96$1,828.94
MIDDLETOWN SPRINGS05747$3,199.2005757$3,209.77$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,428.76$2,025.48
BRANDON05748$3,141.6105733$3,209.74$3,124.41$2,193.17$3,481.51$2,177.68$5,046.29$4,419.65$2,025.48
MILTON05750$3,226.9905468$3,208.40$3,442.59$2,193.17$3,778.77$2,079.78$5,119.92$3,976.28$1,868.29
BOMOSEEN05751$3,244.5005732$3,207.67$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,414.07$2,025.48
PAWLET05753$3,131.5105761$3,206.25$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,404.13$2,025.48
SHELDON05757$3,209.7705483$3,206.22$3,119.27$2,193.09$3,778.77$2,079.78$5,364.83$4,001.84$1,905.94
SWANTON05758$3,215.9305488$3,204.38$3,119.27$2,193.09$3,778.77$2,079.78$5,364.83$3,988.99$1,905.94
HIGHGATE CENTER05759$3,224.4605459$3,203.58$3,119.27$2,193.09$3,778.77$2,079.78$5,335.51$4,012.67$1,905.94
RICHMOND05760$3,117.0605477$3,203.09$3,442.59$2,193.17$3,568.52$2,079.78$5,147.27$4,121.99$1,868.29
CASTLETON05761$3,206.2505735$3,203.02$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,381.48$2,025.48
FAIRFAX05762$3,220.1605454$3,201.50$3,119.27$2,193.09$3,778.77$2,079.78$5,335.51$3,998.15$1,905.94
WESTFORD05763$3,231.0305494$3,200.11$3,442.59$2,193.17$3,568.52$2,079.78$5,119.92$4,128.50$1,868.29
HINESBURG05764$3,196.1405461$3,199.68$3,442.59$2,193.17$3,568.52$2,079.78$5,139.48$4,105.90$1,868.29
GRANVILLE05765$3,122.8605747$3,199.20$3,499.85$2,193.17$3,568.52$2,177.68$4,958.77$4,049.11$1,947.32
READING05766$3,134.7105062$3,198.86$3,124.41$2,147.79$3,599.12$2,128.25$4,978.33$4,585.20$1,828.94
PROCTORSVILLE05767$3,234.9905153$3,198.86$3,124.41$2,147.79$3,599.12$2,128.25$4,978.33$4,585.20$1,828.94
FAIRFIELD05769$3,136.2905455$3,197.71$3,119.27$2,193.09$3,778.77$2,079.78$5,364.83$3,942.28$1,905.94
COLCHESTER05770$3,136.2905439$3,196.85$3,442.59$2,193.17$3,842.52$2,106.04$5,003.24$3,922.10$1,868.29
POULTNEY05772$3,242.8805764$3,196.14$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,333.37$2,025.48
CAVENDISH05773$3,214.4305142$3,196.07$3,124.41$2,147.79$3,599.12$2,128.25$4,958.77$4,585.20$1,828.94
WEST PAWLET05774$3,191.0405775$3,195.70$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,330.27$2,025.48
EAST FAIRFIELD05775$3,195.7005448$3,195.51$3,119.27$2,193.09$3,778.77$2,079.78$5,335.51$3,956.24$1,905.94
FAIR HAVEN05776$3,225.6705743$3,193.90$3,124.41$2,193.17$3,481.51$2,177.68$5,046.29$4,308.75$2,025.48
CHARLOTTE05777$3,191.6905445$3,193.77$3,442.59$2,193.17$3,577.13$2,079.78$5,119.92$4,075.48$1,868.29
SAINT ALBANS05778$3,141.6105478$3,193.27$3,119.27$2,193.09$3,778.77$2,079.78$5,364.83$3,911.19$1,905.94
BRISTOL05819$3,252.7305443$3,191.92$3,499.85$2,193.17$3,568.52$2,177.68$4,958.77$3,998.15$1,947.32
WEST RUTLAND05820$3,288.1305777$3,191.69$3,124.41$2,122.10$3,311.41$2,256.74$5,046.29$4,535.63$1,945.28
NORTH SPRINGFIELD05821$3,292.9705150$3,191.55$3,124.41$2,147.79$3,599.12$2,128.25$4,978.33$4,533.99$1,828.94
VERGENNES05822$3,278.7805491$3,191.52$3,499.85$2,193.17$3,568.52$2,177.68$4,978.33$3,975.75$1,947.32
WELLS05823$3,269.0905774$3,191.04$3,124.41$2,193.17$3,481.51$2,177.68$5,037.40$4,297.67$2,025.48
FERRISBURGH05824$3,238.1005456$3,190.53$3,499.85$2,193.17$3,568.52$2,177.68$4,958.77$3,988.41$1,947.32
ASCUTNEY05826$3,255.7705030$3,190.45$3,124.41$2,147.79$3,599.12$2,128.25$4,996.85$4,507.78$1,828.94
WILLISTON05827$3,274.9005495$3,190.14$3,442.59$2,193.17$3,577.13$2,106.04$5,119.92$4,126.21$1,765.93
BROWNSVILLE05828$3,249.7105037$3,188.75$3,124.41$2,147.79$3,599.12$2,128.25$4,958.77$4,533.99$1,828.94
PERKINSVILLE05829$3,277.1405151$3,188.75$3,124.41$2,147.79$3,599.12$2,128.25$4,958.77$4,533.99$1,828.94
WEST DUMMERSTON05830$3,277.1405357$3,187.51$3,124.41$2,147.79$3,599.12$2,128.25$4,976.28$4,507.78$1,828.94
STARKSBORO05832$3,261.3805487$3,187.25$3,499.85$2,193.17$3,568.52$2,177.68$4,978.33$3,945.89$1,947.32
WINDSOR05833$3,288.1305089$3,186.54$3,124.41$2,147.79$3,599.12$2,128.25$4,958.77$4,518.47$1,828.94
SPRINGFIELD05836$3,279.1305156$3,186.54$3,124.41$2,147.79$3,599.12$2,128.25$4,958.77$4,518.47$1,828.94
CENTER RUTLAND05837$3,265.3105736$3,186.45$3,124.41$2,122.10$3,311.41$2,256.74$5,037.40$4,507.78$1,945.28
WESTON05838$3,272.9205161$3,185.01$3,124.41$2,147.79$3,599.12$2,128.25$4,958.77$4,507.78$1,828.94
LUDLOW05839$3,275.5905149$3,184.68$3,124.41$2,147.79$3,599.12$2,128.25$4,978.33$4,485.88$1,828.94
CHESTER05841$3,251.4005143$3,181.88$3,124.41$2,147.79$3,599.12$2,128.25$4,958.77$4,485.88$1,828.94
SAINT ALBANS BAY05842$3,297.9105481$3,177.17$3,119.27$2,193.09$3,778.77$2,079.78$5,161.52$4,001.84$1,905.94
SHELDON SPRINGS05843$3,275.1705485$3,176.26$3,119.27$2,193.09$3,778.77$2,079.78$5,155.13$4,001.84$1,905.94
SHELBURNE05845$3,275.5905482$3,172.92$3,442.59$2,193.17$3,577.13$2,106.04$5,119.92$4,005.69$1,765.93
BURLINGTON05846$3,244.4205408$3,171.28$3,119.27$2,195.56$3,842.52$2,106.04$5,027.91$4,039.37$1,868.29
HIGHGATE SPRINGS05847$3,282.0305460$3,170.34$3,119.27$2,193.09$3,778.77$2,079.78$5,113.66$4,001.84$1,905.94
BURLINGTON05848$3,300.2905405$3,169.63$3,119.27$2,195.56$3,842.52$2,106.04$5,027.91$4,027.86$1,868.29
UNDERHILL CENTER05850$3,288.1305490$3,168.55$3,442.59$2,193.17$3,481.51$2,079.78$5,112.66$4,001.84$1,868.29
JONESVILLE05851$3,272.1805466$3,152.92$3,442.59$2,193.17$3,481.51$2,079.78$5,003.24$4,001.84$1,868.29
SOUTH HERO05853$3,283.9105486$3,151.83$3,119.27$2,193.09$3,778.77$2,079.78$4,998.86$4,024.76$1,868.29
JERICHO05855$3,275.1305465$3,150.62$3,072.81$2,193.17$3,577.13$2,079.78$5,119.92$4,143.22$1,868.29
NORTH HERO05857$3,279.7905474$3,148.56$3,119.27$2,193.09$3,778.77$2,079.78$4,998.86$4,001.84$1,868.29
HUNTINGTON05858$3,261.4205462$3,144.61$3,072.81$2,193.17$3,568.52$2,079.78$5,139.48$4,090.19$1,868.29
ISLE LA MOTTE05859$3,301.9705463$3,142.08$3,119.27$2,193.09$3,778.77$2,079.78$4,945.10$4,010.22$1,868.29
HANCOCK05860$3,286.9205748$3,141.61$3,124.41$2,193.17$3,568.52$2,177.68$4,978.33$4,001.84$1,947.32
WHITING05861$3,303.9105778$3,141.61$3,124.41$2,193.17$3,568.52$2,177.68$4,978.33$4,001.84$1,947.32
ALBURGH05862$3,269.2005440$3,140.08$3,119.27$2,193.09$3,778.77$2,079.78$4,945.10$3,996.27$1,868.29
NORTH FERRISBURGH05863$3,272.9205473$3,138.82$3,124.41$2,193.17$3,568.52$2,177.68$4,958.77$4,001.84$1,947.32
BRIDPORT05866$3,274.1305734$3,136.29$3,124.41$2,193.17$3,568.52$2,177.68$4,958.77$3,984.16$1,947.32
SALISBURY05867$3,283.9105769$3,136.29$3,124.41$2,193.17$3,568.52$2,177.68$4,958.77$3,984.16$1,947.32
SHOREHAM05868$3,283.9105770$3,136.29$3,124.41$2,193.17$3,568.52$2,177.68$4,958.77$3,984.16$1,947.32
BURLINGTON05871$3,266.9205401$3,134.75$3,119.27$2,195.56$3,842.52$2,106.04$5,027.91$3,977.96$1,674.01
RIPTON05872$3,286.9205766$3,134.71$3,124.41$2,193.17$3,568.52$2,177.68$4,958.77$3,973.08$1,947.32
ESSEX JUNCTION05873$3,288.9005452$3,133.35$3,442.59$2,195.56$3,577.13$2,106.04$4,963.87$3,974.28$1,674.01
SOUTH BURLINGTON05874$3,273.2805403$3,131.99$3,119.27$2,195.56$3,842.52$2,106.04$4,928.23$4,058.33$1,674.01
MIDDLEBURY05875$3,297.9105753$3,131.51$3,124.41$2,193.17$3,568.52$2,177.68$4,958.77$3,950.72$1,947.32
GRAND ISLE05901$3,265.3105458$3,129.69$3,119.27$2,193.09$3,778.77$2,079.78$4,945.10$3,923.49$1,868.29
NEW HAVEN05902$3,249.6705472$3,124.23$3,124.41$2,193.17$3,568.52$2,177.68$4,958.77$3,899.75$1,947.32
PROCTOR05903$3,269.3805765$3,122.86$3,124.41$2,122.10$3,311.41$2,256.74$5,037.40$4,062.69$1,945.28
RUTLAND05904$3,249.6705701$3,121.52$3,124.41$2,122.10$3,311.41$2,256.74$5,037.40$4,053.34$1,945.28
WINOOSKI05905$3,257.3505404$3,120.61$3,119.27$2,195.56$3,842.52$2,106.04$4,937.23$3,969.66$1,674.01
ORWELL05906$3,248.0005760$3,117.06$3,124.41$2,193.17$3,481.51$2,177.68$4,978.33$3,917.02$1,947.32
COLCHESTER05907$3,265.3105446$3,098.66$3,119.27$2,193.17$3,577.13$2,106.04$4,928.23$4,000.89$1,765.93

We’ve also collected data on car insurance rates by city. Below is a list of the least expensive and most expensive cities for car insurance. Simply enter your city in the search box to see your city’s cost.

CityAverage Grand Total
ORWELL$3,117.06
WINOOSKI$3,120.61
RUTLAND$3,121.53
PROCTOR$3,122.86
NEW HAVEN$3,124.23
GRAND ISLE$3,129.69
MIDDLEBURY$3,131.51
SOUTH BURLINGTON$3,131.99
ESSEX JUNCTION$3,133.35
RIPTON$3,134.71
BRIDPORT$3,136.29
SALISBURY$3,136.29
SHOREHAM$3,136.29
NORTH FERRISBURGH$3,138.82
ALBURGH$3,140.08
HANCOCK$3,141.61
WHITING$3,141.61
ISLE LA MOTTE$3,142.08
HUNTINGTON$3,144.61
COLCHESTER$3,147.76
NORTH HERO$3,148.56
JERICHO$3,150.62
SOUTH HERO$3,151.83
JONESVILLE$3,152.92
BURLINGTON$3,158.55
UNDERHILL CENTER$3,168.55
HIGHGATE SPRINGS$3,170.34
SHELBURNE$3,172.92
SHELDON SPRINGS$3,176.26
SAINT ALBANS BAY$3,177.17
CHESTER$3,181.88
LUDLOW$3,184.68
WESTON$3,185.01
CENTER RUTLAND$3,186.45
SPRINGFIELD$3,186.54
WINDSOR$3,186.54
STARKSBORO$3,187.25
WEST DUMMERSTON$3,187.51
BROWNSVILLE$3,188.75
PERKINSVILLE$3,188.75
WILLISTON$3,190.14
ASCUTNEY$3,190.45
FERRISBURGH$3,190.53
WELLS$3,191.04
VERGENNES$3,191.52
NORTH SPRINGFIELD$3,191.55
WEST RUTLAND$3,191.69
BRISTOL$3,191.92
SAINT ALBANS$3,193.27
CHARLOTTE$3,193.77
FAIR HAVEN$3,193.90
EAST FAIRFIELD$3,195.52
WEST PAWLET$3,195.70
CAVENDISH$3,196.07
POULTNEY$3,196.14
FAIRFIELD$3,197.71
PROCTORSVILLE$3,198.86
READING$3,198.86
GRANVILLE$3,199.20
HINESBURG$3,199.68
WESTFORD$3,200.11
FAIRFAX$3,201.50
CASTLETON$3,203.02
RICHMOND$3,203.09
HIGHGATE CENTER$3,203.58
SWANTON$3,204.38
SHELDON$3,206.22
PAWLET$3,206.25
BOMOSEEN$3,207.67
MILTON$3,208.40
BRANDON$3,209.74
MIDDLETOWN SPRINGS$3,209.77
PLYMOUTH$3,209.97
WESTMINSTER STATION$3,210.12
DORSET$3,210.14
BAKERSFIELD$3,211.71
FRANKLIN$3,214.17
WALLINGFORD$3,214.43
BRIDGEWATER CORNERS$3,214.53
EAST BERKSHIRE$3,215.22
MOUNT HOLLY$3,215.92
DANBY$3,217.13
UNDERHILL$3,218.39
MONTGOMERY CENTER$3,218.67
WHITE RIVER JUNCTION$3,219.23
EAST POULTNEY$3,220.01
PITTSFIELD$3,220.16
NORWICH$3,220.87
EAST WALLINGFORD$3,221.06
FLORENCE$3,221.06
ENOSBURG FALLS$3,222.30
MC INDOE FALLS$3,222.81
SHAFTSBURY$3,223.73
ARLINGTON$3,224.09
NORTH CLARENDON$3,224.46
BONDVILLE$3,225.67
EAST DORSET$3,225.67
MANCHESTER CENTER$3,225.67
WEST RUPERT$3,225.67
HYDEVILLE$3,226.99
POWNAL$3,227.89
NORTH BENNINGTON$3,228.39
WEBSTERVILLE$3,228.76
STAMFORD$3,229.43
TUNBRIDGE$3,230.11
PERU$3,230.33
RICHFORD$3,230.46
READSBORO$3,230.47
BENNINGTON$3,230.61
CHITTENDEN$3,231.03
PITTSFORD$3,231.03
EAST ARLINGTON$3,231.24
NORTH POWNAL$3,231.24
HARTLAND$3,232.76
SHARON$3,233.30
SOUTH POMFRET$3,233.30
SOUTH LONDONDERRY$3,234.55
SOUTH ROYALTON$3,234.93
ROCHESTER$3,234.99
BARRE$3,236.57
LONDONDERRY$3,236.77
CORINTH$3,236.99
CAMBRIDGEPORT$3,237.68
JACKSONVILLE$3,237.68
SAXTONS RIVER$3,237.68
SOUTH NEWFANE$3,237.68
WILLIAMSVILLE$3,237.68
CONCORD$3,238.10
GAYSVILLE$3,238.65
NORTH HARTLAND$3,238.65
NORTH POMFRET$3,238.65
SOUTH WOODSTOCK$3,238.65
TAFTSVILLE$3,238.65
BELMONT$3,239.71
BETHEL$3,239.95
MONTPELIER$3,240.76
BRIDGEWATER$3,241.44
WEST HARTFORD$3,241.44
EAST CORINTH$3,241.50
WOODSTOCK$3,242.39
CAMBRIDGE$3,242.85
STOCKBRIDGE$3,242.88
WEST NEWBURY$3,242.96
EAST MONTPELIER$3,243.13
WEST DOVER$3,243.32
NORTH THETFORD$3,243.46
HARTLAND FOUR CORNERS$3,244.09
ISLAND POND$3,244.43
CUTTINGSVILLE$3,244.50
KILLINGTON$3,244.50
LUNENBURG$3,248.00
TOPSHAM$3,249.46
BEECHER FALLS$3,249.67
GILMAN$3,249.67
DANVILLE$3,249.71
CHELSEA$3,249.76
GRAFTON$3,249.76
JAMAICA$3,250.19
NEWBURY$3,251.30
GREENSBORO$3,251.39
WEST WARDSBORO$3,252.41
EDEN$3,252.67
SAINT JOHNSBURY$3,252.73
WEST HALIFAX$3,253.32
WEST TOWNSHEND$3,253.32
ADAMANT$3,253.47
VERNON$3,254.21
WAITSFIELD$3,255.31
CRAFTSBURY$3,255.77
TOWNSHEND$3,257.06
LAKE ELMORE$3,257.09
BELVIDERE CENTER$3,257.11
GUILDHALL$3,257.35
WHITINGHAM$3,257.42
WILMINGTON$3,257.42
WORCESTER$3,257.80
SOUTH BARRE$3,258.11
BROOKFIELD$3,258.52
BRATTLEBORO$3,258.78
HYDE PARK$3,258.89
EAST DOVER$3,258.96
BELLOWS FALLS$3,259.30
WARDSBORO$3,259.50
WATERBURY CENTER$3,260.01
BRADFORD$3,260.30
NEWFANE$3,260.93
EAST BURKE$3,261.38
NORTH CONCORD$3,261.42
JOHNSON$3,261.54
EDEN MILLS$3,262.68
WATERVILLE$3,262.68
ROXBURY$3,264.57
EAST RYEGATE$3,265.13
AVERILL$3,265.31
EAST HAVEN$3,265.31
NORTON$3,265.31
WILLIAMSTOWN$3,265.39
MOSCOW$3,265.74
MORRISVILLE$3,265.76
PUTNEY$3,266.28
WEST BURKE$3,266.92
WELLS RIVER$3,266.94
STOWE$3,268.08
NORTHFIELD FALLS$3,268.67
BEEBE PLAIN$3,269.09
PEACHAM$3,269.20
SOUTH RYEGATE$3,269.20
CANAAN$3,269.38
LYNDONVILLE$3,272.18
QUECHEE$3,272.33
WARREN$3,272.87
EAST SAINT JOHNSBURY$3,272.92
SAINT JOHNSBURY CENTER$3,272.92
WESTFIELD$3,273.28
SHEFFIELD$3,274.13
WOLCOTT$3,274.81
CRAFTSBURY COMMON$3,274.90
NEWPORT$3,275.13
HARDWICK$3,275.17
GLOVER$3,275.59
IRASBURG$3,275.59
MARSHFIELD$3,276.04
DERBY$3,277.14
DERBY LINE$3,277.14
WEST TOPSHAM$3,277.95
WATERBURY$3,278.05
BARTON$3,278.78
JEFFERSONVILLE$3,279.04
EAST HARDWICK$3,279.13
NEWPORT CENTER$3,279.79
WOODBURY$3,279.94
CABOT$3,280.12
EAST CALAIS$3,280.12
WASHINGTON$3,280.39
MORETOWN$3,281.11
CALAIS$3,281.86
FOREST DALE$3,281.97
EAST THETFORD$3,282.03
LOWELL$3,282.03
MORGAN$3,283.91
SUTTON$3,283.91
TROY$3,283.91
GROTON$3,285.37
WESTMINSTER$3,285.81
ORLEANS$3,286.92
WEST CHARLESTON$3,286.92
ALBANY$3,288.13
EAST CHARLESTON$3,288.13
LYNDON CENTER$3,288.13
NORTH MONTPELIER$3,288.91
WEST DANVILLE$3,288.91
NORTHFIELD$3,290.18
GRANITEVILLE$3,292.68
BARNET$3,292.97
RANDOLPH$3,297.50
GREENSBORO BEND$3,297.91
WEST GLOVER$3,297.91
EAST BARRE$3,299.21
PLAINFIELD$3,300.03
LOWER WATERFORD$3,300.29
NORTH TROY$3,301.97
THETFORD CENTER$3,302.10
EAST RANDOLPH$3,302.51
PASSUMPSIC$3,303.91
FAIRLEE$3,306.76
STRAFFORD$3,306.76
RANDOLPH CENTER$3,308.98
POST MILLS$3,310.47
SOUTH STRAFFORD$3,310.47
WEST FAIRLEE$3,310.47
NORTH HYDE PARK$3,313.69
VERSHIRE$3,314.44

As you can see from the table, where you live can impact your wallet when purchasing auto insurance. Folks in rural areas pay hundreds less than those in a major city like Burlington.

Best Vermont Car Insurance Companies

Can you really save money with a 10-minute phone call? What about an asteroid falling from space and crushing your car? Are you really covered? We’ve heard this and other commercials from car insurance providers so often we can sing their jingles by heart.

Car insurance is mandatory in every state except New Hampshire, so why do companies spend so much on advertising and trying to be funny? What’s really behind those catchy jingles and laugh out loud TV ads. Are they hiding something?

But who wants to spend endless hours doing all of that searching, when we’d rather be checking out the state’s iconic covered bridges or digging into a bowl of ice cream at the Ben & Jerry’s Factory? That’s why we’ve done all of the work for you and researched the best insurance carriers in Vermont, so you can make the best choice for your situation.

Keep reading to learn about Vermont’s auto insurance providers.

– Ratings of the Largest Car Insurance Companies in Vermont

What does an A.M. Best rating mean? Basically, an A.M. Best rating measures the financial health of an insurance company.

The table below shows the financial rating of the top auto insurance providers in Vermont.

CompanyDirect Premiums WrittenAM Best Rating
Progressive Group $63,901A+
Geico $55,737A++
Liberty Mutual Group $35,497A
State Farm Group $31,455A++
Allstate Insurance Group $22,761A+
USAA Group $17,415A++
Auto-Owners Group $16,863A++

A good financial rating means the provider has the funds available to pay any claims. But customer service is also an important part of any company, from restaurants to car insurance companies. That’s why we’ve looked at companies with the best customer satisfaction ratings.

Just because a company has a good rating for financial stability doesn’t mean their customers are always happy.

Let’s check out their record of official complaints.

– Car Insurance Company Complaints

Keep in mind that a high complaint index doesn’t necessarily mean you should avoid a company. Make sure to also look at a company’s customer satisfaction ratings because how a company deals with complaints is also important.

CompanyDirect Premiums WrittenComplaint Ratio
Geico$40,343,0000
Progressive50,729,0000.24
Concord General Mutual Insurance19,225,0000.31
Liberty Mutual26,894,0000.37
Nationwide14,528,0000.48
USAA13,503,0000.52
State Farm26,467,0000.64
Hartford14,630,0000.68
Allstate21,633,0000.83
Vermont Mutual Insurance13,901,0001.08

If a car insurance company’s complaint index is lower than one, they are better than the average. If the index is higher than one, they are worse than the average.

– Cheapest Companies in Vermont

Nobody wants to be considered cheap, but when it comes to car insurance, finder cheaper rates is something everyone wants. In order to save you money, make sure you are shopping around for rates. The table below displays the top carriers in Vermont with their average rate for all drivers and compares it to the state average of all companies.

CompanyAverageCompared to State AveragePercentage Over/Under State Average
Allstate F&C$3,190.38-$43.75-1.37%
Geico General$2,195.71-$1,038.42-47.29%
General Ins Co of America$3,621.08$386.9510.69%
Nationwide Mutual$2,128.21-$1,105.92-51.96%
Progressive Northern$5,217.14$1,983.0138.01%
State Farm Mutual Auto$4,382.83$1,148.7126.21%
USAA CIC$1,903.55-$1,330.58-69.90%

Looking at different companies can save a lot of money. For example, Geico is over $1000 BELOW the state average, which, over time, could add up to thousands of dollars saved.

– Commute Rates

At some companies, how far you drive each day influences your insurance rates. Beyond location, gender, age, marital status, and carrier, other factors that affect your quoted rates from each company are those that are specific to your individual situation such as how much coverage you want, credit history, and driving record.

The tables below compare such factors based on each carrier.

Group10 Miles Commute/6,000 Annual Mileage25 Miles Commute/12,000 Annual Mileage
Progressive$5,217.14$5,217.14
State Farm$4,243.86$4,521.81
Liberty Mutual$3,621.08$3,621.08
Allstate$3,128.84$3,251.92
Geico$2,164.81$2,226.61
Nationwide$2,128.21$2,128.21
USAA$1,880.95$1,926.15

Most company rates don’t change when the drive is shortened to a 10-mile commute, except for State Farm, who offers rate reductions over $300.

Up next, a break-down of coverage level rates in Vermont.

– Coverage Level Rates

Do you want better coverage? You might have to pay more. But don’t let higher rates discourage you from purchasing better coverage, as some companies have economical increases in rates. For example, the data below shows State Farm has slightly over a $400 increase from low to high coverage.

GroupCoverage TypeAnnual Average
ProgressiveHigh$5,538.81
ProgressiveMedium$5,149.50
ProgressiveLow$4,963.11
State FarmHigh$4,592.76
State FarmMedium$4,404.37
State FarmLow$4,151.38
Liberty MutualHigh$3,834.47
Liberty MutualMedium$3,609.97
Liberty MutualLow$3,418.81
AllstateHigh$3,261.33
AllstateMedium$3,185.94
AllstateLow$3,123.87
GeicoHigh$2,270.66
GeicoMedium$2,196.70
NationwideLow$2,177.89
NationwideMedium$2,134.90
GeicoLow$2,119.78
NationwideHigh$2,071.84
USAAHigh$1,967.43
USAAMedium$1,901.10
USAALow$1,842.12

– Credit History Rates

The quality of your credit score impacts your insurance rates. In Vermont, the average credit score is 712, which is above the countrywide average of 675. Basically, this means residents in the Green Mountain State have an excellent chance of getting great rates because of their above-average credit scores.

The table below shows what you can expect to pay yearly on car insurance based on your credit history.

CompanyGoodFairPoor
Allstate$2,669.79$2,988.69$3,912.65
Geico$1,164.54$1,870.13$3,552.46
Liberty Mutual$2,340.24$3,096.92$5,426.09
Nationwide$1,890.83$2,038.34$2,455.46
Progressive$4,628.34$5,024.74$5,998.34
State Farm$2,150.46$3,286.98-
USAA$1,318.18$1,642.30$2,750.18

If you have insurance through Liberty Mutual and have poor credit, you can expect to pay nearly double for your car insurance.

– Driving Record Rates

A clean driving record is the EASIEST way to keep rates down. As you can see from the information below, at Geico, just one speeding violation can raise your rate by over $300.

CompanyClean Driving RecordOne Speeding CitationOne AccidentOne DUI
Allstate$2,647.26$3,019.61$3,493.62$3,601.03
Geico$1,412.77$1,740.86$2,353.00$3,276.21
Liberty Mutual$3,184.72$3,442.90$3,811.97$4,044.73
Nationwide$1,704.30$1,872.03$2,187.15$2,749.35
Progressive$4,397.96$5,167.34$6,363.51$4,939.75
State Farm$3,987.31$4,382.83$4,778.37$4,382.83
USAA$1,450.28$1,612.57$1,830.96$2,720.40

A better record equals better rates. We encourage you to obey posted speed limit signs and NOT drink and drive.

– Number of Property and Casualty Insurance Companies in Vermont

Domestic insurance means a company is formed under Vermont’s state laws, whereas a foreign provider is formed under the laws of any state in the U.S.

Property & Casualty InsuranceTotal
Domestic12
Foreign671
Total683

Laws in Vermont

Does your child use a pacifier or some other “comforting” tool to go beddy-bye?

Well, according to an arcane law in Vermont, it is illegal to give a baby a “comforter.” Yeah, we’re pretty sure that the folks who wrote that law never had any children.

We know, state laws are odd and sometimes confusing and vary from state to state. New residents may receive tickets for laws they didn’t know existed.

Next, we help you uncover what the laws are, so check out our roundup of Vermont’s driving laws.

– Vermont’s Car Insurance Laws

Insurance companies are subject to certain rules and regulations.

Let’s look at some of the specific laws for consumers regarding car insurance.

– Windshield Coverage

Some insurance companies may offer windshield replacement with comprehensive coverage, but Vermont laws have no regulations that are unique or specific to windshields. You may insist that your auto insurer use original manufacturer parts as a replacement after a crash, but you may be forced to pay the difference.

Compare car insurance rates now and see which company offers you the coverage you want at the best price.

Enter your zip code in our FREE online search tool to get started.

– High-Risk Insurance

If you have a bad driving record, it may be difficult to find an insurance company that is willing to insure you. Luckily, in most states, insurance companies have made programs available to provide affordable coverage for those who are high-risk drivers.

In Vermont, this program is known as the Vermont Automobile Insurance Plan.

According to Vermont’s DMV:

 “The plan is a voluntary agreement between the state and all auto insurers licensed in Vermont. The deal is that if an insurer wants to do ANY auto insurance business in Vermont, then that insurer must agree to cover a share of high risk drivers when they are assigned.”

– Low-Cost Insurance

Some states have programs set up for those who receive benefits from government assistance programs, or those who have a combined family income that is below the poverty level. Unfortunately, Vermont has no such plan in place. In order to obey the law, you must carry the minimum liability coverage.

– Automobile Insurance Fraud in Vermont

What is automobile insurance fraud?

  • Creating a claim for damages or injuries that NEVER occurred (such as faking an accident)
  • Adding “extra” costs onto a claim that is legitimate

Committing insurance fraud can result in fines and/or jail time.

– Statute of Limitations

If you are in a car accident in Vermont, there is a statute of limitations if you want to file a claim.

Vermont Statute Of LimitationsYears
Personal Injury 3 Years
Property Damage3 Years

– Vermont’s Vehicle Licensing Laws

Vermont, just like every other state, has mandatory licensing laws in addition to the statute of limitations and car insurance laws, which we previously covered.

– REAL ID

Vermont is in full compliance with the REAL ID Act passed by Congress and enforced by Homeland Security. This means that a driver’s license or state ID issued by the Green Mountain State is an acceptable form of identification at federal facilities, airports, and nuclear power plants.

As of October 1, 2020, anyone wishing to fly on a commercial flight or enter a federal facility must have a REAL ID-compliant form of identification.

– Penalties For Driving Without Insurance

If you are arrested for driving without insurance in Vermont, you can be fined up to 500$ for the first offense. Drivers may also have their driver’s license suspended until proof of insurance is presented to law enforcement professionals.

Don’t risk incurring these penalties, make sure you have the required minimum coverage for your situation.

– Teen Driver Laws

young driver licensing lawsAGE RESTRICTIONSPASSENGER RESTRICTIONSTIME RESTRICTIONS
Learner's Permit15 yearsNoneNone
Provisional LicenseMust be 16 years old and have held learner's permit for at least 6 months.first 3 months—no passengers without exception; second 3 months—no passengers secondary enforcementNone
Full License16 YearsNone6 months or until age 18, whichever occurs first (min. age: 16, 6 mos.)

– Older Driver and General Population License Renewal Procedure

LICENSE RENEWAL PROCEDURESGENERAL POPULATIONOLDER POPULATION
License renewal cycle2 or 4 Years2 or 4 Year
Mail or online renewal permittedBy mail, unless new photo requiredBy mail, unless new photo required
Proof of adequate vision required at renewalNoNo

– New Residents

When a new resident applies for a Vermont Driver’s License and possesses a valid out-of-state license or an out-of-state license that has been expired for one year or less, an eye examination will be required.

  • Bring your valid or expired (1year or less) license from your home state.
  • You must also bring proof of Identity, date of birth, Lawful status in the United States, Social Security number, Vermont residency, and current residential address. If your home state license is not valid, have someone who has a valid license drive you to the Department of Motor Vehicles.
  • When your Vermont license is issued, your out of state license must be surrendered.

– Vermont Rules of the Road

We all should follow the rules, but if you’re new to the state, there may be laws you’re unfamiliar with. That’s why we’ve assembled a list of several important laws to help keep you in good standing and on the road.

– Fault vs. No-Fault

Vermont is a fault-based state which means if you are the cause of a car accident, you are responsible for any damage caused.

– Seat Belt and Car Seat Laws

All passengers in the front seat of a vehicle driven in Vermont must be wearing a seat belt. Additionally, children 18 years and younger are required to be properly restrained no matter where they are sitting.

Currently, there are no restrictions in Vermont regarding the riding in the cargo areas of pickup trucks.

– Keep Right and Move Over Laws

Vermont traffic laws mandate that you must keep right when traveling slower than the average speed of traffic around you.

According to AAA:

State law requires drivers approaching a stationary law enforcement vehicle, ambulance, fire fighting vehicle, a vehicle used in rescue operations, or a towing and repair vehicle displaying signal lamps, and traveling in the same direction, to reduce speed and, if safe to do so, vacate the lane closest to the stationary vehicles.

– Speed Limits

Maximum posted speed limits are 65 mph on rural interstates, 55 mph on urban interstates, 50 mph on limited access roads and 50 mph on all other roads.

– Ridesharing in Vermont

You may be familiar with ridesharing companies like Lyft and Uber. If you want to rideshare, there are no state-mandated requirements for insurance coverage, so be sure and check with your local provider for any additional coverage you may need.

– Automation on the Road in Vermont

What is automation? IIHS defines it as the following:

“Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. One example is adaptive cruise control, which maintains a set speed.”

Presently, Vermont hasn’t yet begun addressing automation on the road.

– Safety Laws

Up next, we take a closer look at the safety laws in Vermont, so you can arrive alive. Please don’t drink and drive.

– Impaired-driving Laws in Vermont

Driving while impaired has disastrous results for everyone involved, that’s why strict laws are in place to prevent such tragedies. In Vermont alone, drunk driving caused 18 deaths in 2017. Each state differs in how they address drunk driving and therefore have different penalties.

Below, we’ve listed the details about Vermont’s impaired driving laws.

FORMAL NAME FOR OFFENSEBAC LIMITHIGH BAC LIMITCRIMINAL STATUSLook Back Period
Driving Under the Influence (DUI)0.080.16First offense up to 90 days license revocation; up to 2 years in jail and up to $700 fineUnlimited/Lifetime

The penalties get worse with each subsequent offense.

– Marijuana Impaired Driving Laws

Vermont currently has no marijuana-specific impaired driving laws.

– Distracted Driving Laws

Text messaging and the use of hand-held devices is prohibited for all drivers and carries a fine.

Next, we delve into some facts about Vermont you might not know.

Driving in Vermont

Now that you have a good understanding of Vermont state laws, let’s dive into some facts that you might not know. While insurance is important, it’s also crucial to know what to keep your eyes out for on the road.

We’ve laid out everything you need to know about the risk factors in Vermont, from vehicle theft to crash reports, so you can drive safely and enjoy your time on the road.

– Vehicle Theft in Vermont

When you decide to purchase a car, consider this list of the top ten stolen vehicles in Vermont.

Chevrolet Pickup (Full Size)200115
Ford Pickup (Full Size)20108
Honda Accord20028
Hyundai Elantra20157
Honda Civic20056
Subaru Legacy19996
Ford Pickup (Small Size)20025
GMC Pickup (Full Size)20075
Nissan Sentra20125
Subaru Impreza20025

Where you live also plays a role in the number of vehicle thefts. The FBI created a 2013 report on Vermont’s vehicle thefts by cities, which are listed below.

CityThefts
Bennington18
Berlin4
Brattleboro15
Essex4
Fair Haven1
Hartford4
Richmond1
Royalton2
Shelburne5
Springfield3
Wilmington3

– Dangers on the Road In Vermont

Accidents happen, and up next we’re going to show you statistics for different kinds of accidents in Vermont.

– Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal324133052
Rain302005
Snow/Sleet101103
Other001102
Unknown001001
TOTAL364185063

As you can see, most accidents occur during daylight hours.

– Fatalities (All Crashes) by County

Here are the Vermont counties with the most fatalities over the past five years.

County20132014201520162017
Addison County 21045
Bennington County 12120
Caledonia County 11210
Chittenden County 13524
Essex County00100
Franklin County 32432
Grand Isle County 01010
Lamoille County 11022
Orange County 20000
Orleans County 40234
Rutland County 42354
Washington County 33114
Windham County51132
Windsor County 51033

– Fatalities by Roadway

Next, we have a 10-year comparison of traffic fatalities on urban vs. rural roadways.

Road Type2008200920102011201220132014201520162017
Rural60685442635837485256
Urban13617131411791013

– Fatalities by Person Type

Person Type20132014201520162017
Passenger Car3218202830
Light Truck - Pickup53227
Light Truck - Utility11410158
Light Truck - Van32100
Large Truck11101
Other/Unknown Occupants53212
Total Occupants5732374648

The type of crash can also play a role in fatality rates.

– Fatalities by Crash Type

Crash Type20132014201520162017
- (1) Single Vehicle4428344538
- (2) Involving a Large Truck8118710
- (3) Involving Speeding1815212931
- (4) Involving a Rollover151271914
- (5) Involving a Roadway Departure6233444949
- (6) Involving an Intersection (or Intersection Related)1056614
Total Fatalities (All Crashes)6944576269

Up next, we have a five-year trend for Vermont’s top-10 counties that have the highest fatality rates.

– Five-Year Trend For The Top 10 Counties

County Name20132014201520162017
Windsor County1035510
Addison County41368
Chittenden County59968
Washington County44258
Orleans County73237
Rutland County9710107
Windham County101386
Franklin County621064
Caledonia County11423
Bennington County24352
Top Ten Counties6540515763
All Other Counties44656
All Counties6944576269

– Fatalities Involving Speeding by County

Below, are listings by county of the most speed-related fatalities in Vermont.

County Name20132014201520162017
Addison01016
Bennington02011
Caledonia01200
Chittenden24315
Essex11111
Franklin20622
Grand Isle00001
Lamoille10030
Orange21100
Orleans32034
Rutland02652
Washington20143
Windham41151
Windsor10035

 Alcohol-Impaired Fatalities by County

Check out the table below to see fatalities in crashes that involved an alcohol-impaired driver with a BAC over .08.

County Name20132014201520162017
Addison00201
Bennington02131
Caledonia00220
Chittenden21123
Essex10001
Franklin21441
Grand Isle00010
Lamoille10031
Orange40100
Orleans22003
Rutland32252
Washington10110
Windham20041
Windsor10023

– Teen Drinking and Driving

In 2016, Vermont law enforcement arrested 8 teenagers (under the age of 18) for drunk driving.

This number places Vermont as the 30th worst state in the U.S. for underage drinking and driving.

Below are the facts concerning underage (under 21 years old) drinking-related fatalities:

  • 0.7 fatalities per 100,000 people in Vermont
  • 1.2 fatalities per 100,000 people national average

– EMS Response Time

If you or someone you know is in an accident, you want help to arrive as FAST as possible.

LOCATION OF INCIDENTTIME OF CRASH TO EMS NOTIFICATIONEMS NOTIFICATION TO EMS ARRIVALEMS ARRIVAL AT SCENE TO HOSPITAL ARRIVALTIME OF CRASH TO HOSPITAL ARRIVALTOTAL FATALITIES
Rural3.3011.9037.3751.1352
Urban1.895.702229.1311

– Transportation in Vermont

When you drive through your neighborhood, do you ever notice how many cars are sitting in your neighbors’ driveways? Usually, we can tell if someone is visiting by that extra car parked outside the house.

The information for car ownership, commute time, and commuter transportation provided from DataUSA.io in conjunction with the Census Bureau.

– Car Ownership

The average household in Vermont has two cars.

– Commute Time 

The average commute time in Vermont is 21.6 minutes, which is shorter than the national average of 25.3 minutes. The chart below represents the commute times in Vermont compared to the national average.

Now, let’s take a look at methods of commuter transportation in Vermont.

– Commuter Transportation

As in most states, the most common transportation method is driving alone to work, followed by carpooling and working from home.

Now that you’ve read through this comprehensive guide, and know everything there is to know about buying car insurance in Vermont, it’s time to hit the road. Enter your zip code below to get a free quote comparison.

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