Save up to $400 on
Vermont car insurance

Vermont Auto Insurance

Compare Auto Insurance in Vermont

Vermont Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $10,000 property damage
  • Click here for more auto insurance minimums in Vermont.

Vermont DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Enhanced sentencing for BAC of 0.15% and higher.
  • Click here for more DUI laws in Vermont.

Vermont SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in Vermont.

Vermont Hands-Free Laws

  • The Vermont legislature is considering several cell phone/texting laws.
  • Vermont House Bill 117 would prohibit using a cell phone while operating a motor vehicle.
  • Click here for Hands-Free laws in Vermont.

Vermont Teen Auto Insurance

  • Vermont utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • Vermont teens must be at least 15 years of age to qualify for a learner's permit.
  • Click here to learn all you need to know about Vermont teen driver laws.
When you are involved in an auto accident and found to be responsible, it is extremely important to have the proper insurance coverage. Most people know and understand that driving without insurance is not an option. Not only is it dangerous, it is also illegal. But many people don't realize that being underinsured can also be personally devastating.

If you don't have the proper amount of coverage and are found at fault in an accident, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage and lawsuits.

If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of Vermont requires the following minimum coverage amounts to be purchased and maintained by all motorists:

  • $25,000 total for bodily injury coverage, per person
  • $50,000 total for bodily injury coverage, per accident
  • $10,000 total for property damage, per accident

Vermont also mandates that all drivers carry Uninsured/Underinsured Motorist coverage. This covers your own bodily injuries if you are the victim of a hit-and-run or are hit by a driver who is at fault but has no insurance or not enough insurance to cover the damages. The minimum coverage amounts are:

  • $50,000 total, per person
  • $100,000 total, per accident
  • $10,000 total, property damage per accident

When putting together your auto insurance policy, it's important to remember that whatever amount you select is the maximum amount that your insurance provider will pay out on a claim. The minimum amounts as required by law are often times not enough to fully cover damages which occur in an accident for which you are responsible. Therefore, you may want to consider choosing higher amounts of insurance coverage when you purchase your policy.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state's minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage or Comprehensive Coverage, for example.

For any other concerns or questions, please contact:

Vermont Insurance Division
89 Main Street
Montpelier, VT 05620
(802) 828-3301

Vermont Car Insurance Agents


If you live in Vermont and are looking for an auto insurance agent to help you with your insurance needs, you've come to the right place.

Vermont Auto Insurance agents are fully qualified professionals whose job is to make buying auto insurance easy and enjoyable for their customers. They are also able to compare coverage and prices from many different sources- including most of the leading, well-respected insurance companies in the country. This allows them to formulate the right auto insurance policy for each individual client in terms of coverage and cost.

By knowing what to ask and thoughtfully listening to your questions and concerns, a good agent can put together a policy which is just right for you- one that protects you and your property as well as your assets. A trusted professional agent will stand by you when you have to submit a claim and will work hard to ensure that your policy is up-to-date and continues to meet your needs and personal situation. Circumstances can change over time and it is the business of a good agent to adapt your policy to any such changes.

If you would like to receive a quote from a qualified agent, please use our Agent Locator to find an extensive list of agents in your local area. You can depend on any one of these agents to maintain a high standard of professional excellence while working hard to get you the best insurance policy possible at a rate you can afford.

Tips to saving money on your insurance premiums


  • Maintain a clean driving record. This can add up to big savings when buying auto insurance.
  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • If you're purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
  • Improve your credit score. Many insurance companies use your credit score to determine the cost of your premium. Be sure to check your score before applying for new insurance to make sure it is accurate and up-to-date.
  • If you have a teenage driver in the family, ask about teen driver discounts.
  • Completion of defensive driving/driver's safety courses from an accredited company can also save you money on premiums.
  • Shop around and compare prices from different companies.

Being aware of these money-saving tips can add up to big savings for you! When you also work with a professional insurance agent to put together your policy, you can be confident that you are getting comprehensive coverage at the best possible price.

Are you a resident of Vermont and interested in saving money on Vermont auto insurance and seeking out ways to minimize the amount of cash you must spend? While the current car insurance rates seem reasonable, there are still savings to be had in terms of premiums. So where does a resident of Vermont turn when they want to rake in savings on their yearly car insurance payments? CarInsurance.info can help - we aim at helping the driving consumer to save as much money as possible on auto insurance costs.

Search By City

Bennington Brattleboro Burlington Essax Junction Montpelier
Rutland South Burlington St. Albans   
Barre Northfield Williston