Cheapest Vermont Car Insurance Rates in 2025 (10 Most Affordable Companies)

Discover the best options for the cheapest Vermont car insurance rates, including plans from Geico, USAA, and Travelers starting at just $12 per month. Understand the average Vermont car insurance costs and Vermont car laws, including DUI regulations, to stay informed and safe on the road.

High insurance rates got you down?  Overpaying for car insurance can be frustrating, especially when those bills keep coming. Discover the cheapest Vermont auto insurance and everything you need to know about comparing and buying car insurance in Vermont with our comprehensive guide.

Our Top 10 Company Picks: Cheapest Vermont Car Insurance Rates

When you’re ready to see how much you can save on your car insurance, enter your ZIP code above into our free comparison tool.

#1 – Geico: Top Pick Overall

Pros

• Affordability Leader: With a monthly premium of just $12, Geico stands out as the most affordable option for car insurance in Vermont, making it ideal for budget-conscious drivers looking to save money.
• Strong Financial Stability: Geico holds an A++ rating from A.M. Best, indicating excellent financial health, which assures customers that claims will be paid reliably and on time.
• Robust Online Tools: Geico offers user-friendly online tools for managing your policy and obtaining quotes, making it easy to compare rates and access discounts for safe driving or bundling policies. Learn more in our Geico car insurance review.

Cons

• Limited Local Agents: Geico primarily operates online, which may not appeal to customers who prefer in-person interactions with local agents for personalized service or claims assistance.
• Potential for Higher Rates for Some Drivers: While generally affordable, certain drivers, especially those with poor credit or driving records, may find that Geico’s rates do not remain competitive compared to other providers.

#2 – USAA: Best for Military Benefits

Pros

• Military Discounts: As mentioned in our USAA car insurance review, USAA offers unique discounts and benefits for military members and their families, making it an excellent choice for those eligible and providing significant savings on premiums.
• Excellent Customer Service: With a high satisfaction rating, USAA is known for its exceptional customer service, ensuring that claims are handled efficiently and customers feel supported throughout their insurance journey.
• Comprehensive Coverage Options: USAA provides a range of coverage options, including rental reimbursement and roadside assistance, which enhances the overall value of their policies for Vermont drivers.

Cons

• Eligibility Restrictions: Only active and former military members and their families can access USAA insurance, limiting availability for the general public who may seek similar benefits.
• Higher Base Rates for Non-Military: While competitive for military families, USAA’s base rates may be higher for non-military individuals compared to other companies in Vermont, affecting overall affordability.

#3 – Travelers: Best for Package Deals

Pros

• Flexible Coverage Options: Travelers offers customizable policy features that allow drivers in Vermont to tailor their coverage, including options for personal umbrella policies and gap insurance, enhancing their protection on the road.
• Strong Discounts: With discounts for bundling home and auto insurance or for safe driving, Travelers provides ample opportunities for Vermont drivers to lower their premiums while maintaining comprehensive coverage.
• Reliable Claims Process: Travelers is recognized for its streamlined claims process, allowing customers to file and track claims easily, which is crucial for those needing quick resolutions after an accident. See more details on our Travelers car insurance review.

Cons

• Slightly Higher Rates: At $24 per month, Travelers is pricier than Geico and USAA, which may deter budget-focused customers who are primarily seeking the lowest possible premium.
• Mixed Customer Service Reviews: While many customers appreciate Travelers’ services, there have been reports of varying experiences with customer service, leading to concerns about claim resolution timelines and overall satisfaction.

#4 – American Family: Best for Customer Loyalty

Pros

• Customer Loyalty Benefits: American Family provides rewards for long-term customers, which can lead to discounts on premiums or enhanced coverage options, appealing to those looking for a sustainable insurance relationship.
• Comprehensive Coverage: Their policies include a wide range of coverages such as new car replacement and mechanical breakdown insurance, ensuring that Vermont drivers are well-protected against various scenarios.
• User-Friendly Mobile App: American Family car insurance review highlights the mobile app tools for easy policy management, bill payments, and claims filing, making it convenient for customers who prefer digital engagement.

Cons

• Higher Premiums for Young Drivers: American Family’s rates may be less competitive for young drivers or those with minimal driving history, resulting in potentially higher costs than those offered by competitors like Geico.
• Limited Availability in Some Regions: While widely available, American Family may not be the best option for drivers in all areas of Vermont, as some regions might face restrictions on specific policy offerings.

#5 – State Farm: Best for Reliable Coverage

Pros

• Extensive Agent Network: With a vast network of local agents, State Farm provides personalized service that allows Vermont drivers to receive tailored advice and support throughout the insurance process.
• Broad Range of Discounts: State Farm offers numerous discounts, including those for safe driving, multiple policies, and student drivers, helping to reduce overall insurance costs for policyholders in Vermont.
• Comprehensive Coverage Options: Offers a wide array of coverage options, including liability, collision, and comprehensive coverage, catering to various needs and preferences for Vermont drivers. Learn more about their rates in our State Farm car insurance review.

 Cons

• Moderate Premiums: At $28 per month, State Farm may not be the lowest-cost option available, which could deter price-sensitive customers who prioritize affordability above all else.
• Mixed Claims Experience: Some customers report dissatisfaction with the claims process, citing delays or challenges in communication, which could impact the overall experience for drivers in need of timely assistance.

#6 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Liberty Mutual allows customers to tailor their coverage with options for add-ons like accident forgiveness and better car replacement, providing enhanced protection tailored to individual needs.
• Diverse Discount Opportunities: From discounts for safe driving to savings for students and homeowners, Liberty Mutual offers various ways for Vermont drivers to reduce their monthly premiums significantly.
• Strong Financial Backing: With a solid A.M. Best rating, Liberty Mutual ensures that customers can trust in the company’s ability to meet its financial obligations regarding claims and policy payouts. Learn more in our Liberty Mutual car insurance review.

Cons

• Higher Base Rates: Liberty Mutual’s starting premium of $32 may not appeal to budget-conscious customers, especially when more affordable options like Geico and USAA are available.
• Complex Policy Structure: The variety of add-ons and options might overwhelm some customers, making it difficult for them to choose the best coverage that suits their needs without expert guidance.

#7 – Farmers: Best for Policy Options

Pros

• Wide Variety of Coverage Options: Farmers offers extensive coverage choices, including rideshare insurance and classic car coverage, which cater specifically to the diverse needs of Vermont drivers, enhancing overall protection.
• Robust Discounts: The company provides numerous discount opportunities, such as multi-policy and loyalty discounts, allowing customers to save significantly on their premiums while maintaining adequate coverage.
• Strong Community Involvement: Farmers is known for its involvement in community initiatives, fostering a sense of trust and goodwill among policyholders who value socially responsible companies. Learn more in our Farmers car insurance review.

Cons

• Higher Premiums for Some Demographics: Farmers’ average rates may be higher for younger or high-risk drivers, which could deter them from choosing Farmers over more affordable competitors.
• Inconsistent Customer Service Reviews: While some customers report positive experiences, others have noted delays in claims processing, leading to mixed feelings about the company’s customer service quality.

#8 – The General: Best for High-Risk Acceptance

Pros

• High-Risk Driver Acceptance: The General specializes in providing coverage for high-risk drivers who might struggle to find affordable rates elsewhere, ensuring that all Vermont drivers can access necessary insurance.
• Flexible Payment Plans: As mentioned in our the General car insurance review, The General offers flexible payment options, allowing policyholders to choose from various payment schedules that best suit their financial situations, enhancing affordability.
• Quick Online Quotes: The General’s online platform provides quick quotes, making it easier for potential customers to assess their options and compare them with other providers in Vermont.

Cons

• Higher Premium Costs: At $45 per month, The General’s rates are higher than many competitors, which may not be attractive to cost-sensitive consumers seeking the cheapest options.
• Limited Coverage Options: Compared to larger insurers, The General may have fewer policy add-ons or customization options available, potentially leading to gaps in coverage for some drivers.

#9 – Allstate: Best for Discount Variety

Pros

• Diverse Discount Opportunities: Allstate offers a wide array of discounts, such as those for bundling policies or safe driving, providing numerous ways for Vermont drivers to reduce their insurance costs significantly.
• Comprehensive Coverage Plans: With options like accident forgiveness and new car replacement, Allstate provides comprehensive policies that cater to the specific needs of its customers, ensuring thorough protection.
• Robust Mobile App: The Allstate mobile app enables customers to manage their policies easily, file claims, and access roadside assistance, enhancing customer engagement and convenience. Discover more about offerings in our Allstate car insurance review.

Cons

• Higher Monthly Premiums: Allstate’s average premium of $46 may not be ideal for budget-conscious consumers who prioritize finding the lowest rates among Vermont insurance providers.
• Customer Service Concerns: Some policyholders have reported dissatisfaction with Allstate’s customer service, particularly regarding claim handling and response times, which can be a critical factor for those in need of timely assistance.

#10 – Progressive: Best for Flexible Plans

Pros

• Flexible Coverage Plans: Progressive offers a wide range of customizable insurance options, including usage-based insurance plans that can save drivers money based on their driving habits, appealing to the tech-savvy Vermont driver.
• Comprehensive Discount Program: With discounts for bundling, safe driving, and even for students, Progressive provides significant savings opportunities that can help reduce the overall cost of premiums.
• Strong Financial Stability: Progressive’s A+ rating from A.M. Best ensures that customers can trust the company’s financial reliability, offering peace of mind that claims will be honored when needed. Delve into our evaluation of Progressive car insurance review.

Cons

• Highest Premium in Vermont: At $58 per month, Progressive’s rates are the highest on this list, which may deter cost-sensitive drivers who are primarily looking for the cheapest insurance options.
• Complex Online Tools: While the online quote and comparison tools are robust, some users find them overwhelming, which might lead to confusion when trying to select the right coverage options.

Vermont Car Insurance 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. This amount does vary from state to state. There has to be a better way.

Vermont Car Insurance Monthly Rates by Coverage Level & Provider

The table above compares monthly rates for minimum and full coverage car insurance in Vermont from various providers.

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.

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

• $25,000 to cover the death or injury per person
• $50,000 to cover the total death or injury per accident
• $10,000 to cover property damage per accident

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.

Average Monthly Car Insurance Rates in VT (Liability, Collision, Comprehensive)

Curious about how much you might pay for car insurance in Vermont? Check out the average monthly rates for liability, collision, and comprehensive coverage, along with the total cost for full coverage, to better plan your budget.

Vermont Car Insurance Cost by Coverage Type

The National Association of Insurance Commissioners, a leading source on insurance coverage, is the source for the above data.

Car insurance rates vary widely across the U.S., influenced by state regulations, cost of living, and driving history. This comparison highlights differences in average monthly rates based on coverage levels—from minimum liability to comprehensive plans.

Rates by ZIP Code in Vermont

Monthly car insurance rates in Vermont can differ significantly by ZIP code, reflecting local factors such as population density, crime rates, and driving conditions. This comparison allows consumers to see how their specific location impacts insurance costs.

By analyzing rates by ZIP code, drivers can identify more affordable options and make informed decisions to secure the best coverage for their needs.

Loss Ratios

To gauge the financial health of insurance companies, you should look at their 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, if 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% ($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 yourself 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:

• Gap Insurance
• Personal Umbrella Policy (PUP)
• Rental Car Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Low-Mileage Discount
• Usage-Based Car Insurance

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.

Discover the variety of car insurance discounts offered by top providers in Vermont to help you save on your premiums.

These discounts from top insurance providers in Vermont offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.

Average Monthly Car Insurance Rates by Age & Gender in VT

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

Vermont Car Insurance Monthly Rates by Age, Gender, & Provider

As you can see, in some cases, teen drivers pay thousands more than older drivers do for teen 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.

Vermont Car Insurance Monthly Rates by City and Provider

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.

Vermont Car Insurance Monthly Rates by City

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.

These ratings reflect each company’s ability to meet its financial obligations, providing insight into its reliability and stability. A higher rating indicates a stronger financial position and better claim payment capabilities.

A.M. Best Financial Strength Ratings From the Top Vermont Car Insurance Providers

A good financial rating means the provider has the funds available to pay any claims. You can see how the largest companies make up the market in Vermont below.

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 its 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.

Insurance Companies in Vermont with the Most Customer Complaints

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, finding cheaper rates is something everyone wants. In order to save you money, make sure you are shopping around for rates.

The table and chart above display the top carriers in Vermont with their average rate for all drivers and compares it to the state average of all companies. Looking at different companies can save a lot of money. For example, Geico car insurance 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.

Understanding these factors can help you manage and potentially lower your insurance costs. By addressing high-impact elements like accidents and DUIs, you can make informed decisions to improve your rates.

Vermont Full Coverage Car Insurance Monthly Rates by Annual Mileage & Provider

Most company rates don’t change when the drive is shortened to a 10-mile commute, except for State Farm car insurance, which offers rate reductions of over $300. Up next, a breakdown of coverage level rates in Vermont.

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.

Vermont Full Coverage Car Insurance Monthly Rates by Credit Score & Provider

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. Even the best car insurance companies for people with speeding tickets will have higher rates.

Vermont Full Coverage Car Insurance Monthly Rates by Driving Record & Provider

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.

Number of Vermont Car Insurance Companies

In Vermont, there are a total of 683 property and casualty insurance companies, comprising 12 domestic providers and 671 foreign insurers. This diverse market offers consumers a wide range of options for their insurance needs.

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 broken windshield car insurance 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.

Read More: Does car insurance cover broken car windows?

High-Risk Insurance

If you have a bad driving record, it may be difficult to find an insurance company that is willing to give you high-risk car insurance. 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 amount of liability insurance coverage required.

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

The chart below outlines the time limits for filing personal injury and property damage claims in Vermont. Adhering to these deadlines is crucial for ensuring your legal rights are protected.

Vermont Statute of Limitations

In Vermont, the statute of limitations for filing claims after a car accident is three years for both personal injury and property damage. It’s essential to be aware of these timelines to ensure your claims are submitted on time.

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

In Vermont, young driver licensing laws set specific age and passenger restrictions. A learner’s permit can be obtained at 15 years old, with no passenger restrictions during this stage.

During the first three months with a provisional license, no passengers are allowed, while the following three months restricts passengers under secondary enforcement. A full license can be obtained at 16 years old, with passenger restrictions lasting six months or until the driver reaches age 18, whichever comes first.

Older Driver and General Population License Renewal Procedure

In Vermont, the license renewal procedures for both the general population and older drivers follow a cycle of two or four years. Renewals can be completed by mail, unless a new photo is required. Notably, proof of adequate vision is not mandated for renewal in either group.

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 (1 year 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.

New residents applying for a Vermont driver’s license must present a valid or recently expired out-of-state license along with various identity and residency documents. Upon issuance of the Vermont license, the 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

According to seat belt 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 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 rideshare car 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.

Vermont DUI Laws

The cost of car insurance after a DUI is just one of the consequences. 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

The table below highlights the most frequently stolen car models, providing insight into which vehicles are at higher risk. Understanding these trends can help you make informed decisions about your vehicle purchase and security measures.

Top 10 Vermont Car Thefts by Model in 2024

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.

Top 10 Vermont Car Thefts by City in 2024

The data reveals varying theft rates across cities in Vermont, with Bennington experiencing the highest number at 18 incidents. In contrast, several towns, including Fair Haven and Richmond, reported minimal theft occurrences, highlighting significant disparities in local crime rates.

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. It’s helpful to know that Vermont ranks as the 4th-worst state for snow-related crashes, which is just one of the statistics we share in our article about how to drive safely in bad weather.

Fatal Crashes by Weather Condition and Light Condition

This data presents a breakdown of fatal crashes categorized by weather and light conditions, highlighting how different environmental factors contribute to road accidents.

Fatal Crash in Vermont by Weather Condition & Light Condition

Fatalities (All Crashes) by County

Here are the Vermont counties with the most fatalities over the past five years. The data highlights significant fluctuations in crash fatalities across Vermont counties over the past five years, with Windham and Windsor counties recording the highest totals.

Vermont Car Crash Fatalities by County

Notably, some counties, like Addison and Orleans, experienced considerable increases in fatalities, underscoring ongoing road safety concerns.

Fatalities by Roadway

Next, we have a 10-year comparison of traffic fatalities on urban vs. rural roadways. The comparison reveals that rural roadways consistently experience a higher number of traffic fatalities compared to urban areas over the past decade.

Vermont Traffic Fatalities by Area Type in 2024

Despite fluctuations, rural roads maintained a significant fatality rate, highlighting the need for targeted safety measures in these regions.

Fatalities by Person Type

The data indicates that passenger car occupants represent the largest share of traffic fatalities, with a notable increase in recent years.

Vermont Traffic Fatalities by Person Type in 2024

The type of crash can also play a role in fatality rates. Additionally, fatalities among light trucks and other vehicle types show variability, emphasizing the diverse risks across different vehicle categories.

Fatalities by Crash Type

The data reveals a concerning trend in fatalities related to roadway departures and speeding, which have seen significant increases over the years.

Vermont Traffic Fatalities by Crash Type in 2024

Additionally, single-vehicle crashes continue to be a leading cause of fatalities, highlighting the need for targeted safety measures.

Fatalities Involving Speeding by County

Below, are listings by county of the most speed-related fatalities in Vermont. The data indicates a troubling rise in speed-related fatalities, particularly in Addison County, which experienced a sharp increase in 2017.

Vermont Speeding Fatalities by County

This highlights the urgent need for enhanced speed enforcement and public awareness campaigns to improve road safety across Vermont.

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.

Vermont DUI Fatalities by County

Alcohol-impaired driving remains a significant concern in Vermont, with varying fatalities across counties. Continued awareness and prevention efforts are crucial to reducing these tragic incidents.

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

In 2016, Vermont’s rate of drunk driving arrests among teenagers reflects ongoing challenges in addressing underage drinking. With fatalities linked to underage drinking remaining below the national average, continued efforts are essential for further improving road safety.

EMS Response Time

The table below provides average EMS response times in Vermont, detailing how quickly emergency services are notified and arrive at the scene in rural and urban areas. This information is crucial for understanding the efficiency of emergency response in different locations.

Vermont EMS Response Time

Timely emergency response is vital in accidents, with urban areas experiencing quicker EMS notification and arrival compared to rural regions. This emphasizes the need for enhanced emergency response strategies in rural areas.

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

In Vermont, the average household owns two vehicles, reflecting a common reliance on cars for transportation. This level of car ownership highlights the importance of accessible auto insurance options and reliable vehicle services within the state.

With multiple vehicles per household, having adequate coverage is essential for financial protection. Additionally, understanding local insurance rates and services can help Vermont drivers make informed decisions.

Commute Time

The average commute time in Vermont is 21 minutes, which is shorter than the national average of 25 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. By entering your ZIP code below, you can get instant car insurance quotes from top providers.