The Green Mountain State

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Vermont Auto Insurance

Vermont is the second least populous state in the country, but it also one of the safest states in the country, too. Known for it’s maple syrup and fun skiing destinations, Vermont residents enjoy their peaceful way of living. Still, they need a car to get around, whether its out to the slopes or to see other surrounding landscapes. That means they also need Auto Insurance. Because of the shifts in seasons and the changing road conditions, it’s very important to have the right Auto Insurance in Vermont. We can make sure you meet the legal insurance requirements, and any additional coverage you desire, at a price you can live with.

Auto Insurance Specialists is here to help you with all things Car Insurance. We will compare coverage options and rates from several different carriers before you get to decide what you want and need. Try our simple form for an AIS Instant Quote®. You’ll never believe how easy it is to get the best plan at just the right price-tag!

Required Auto Insurance in Vermont

Vermont state law require you to purchase Liability Insurance and Uninsured/Underinsured Motorist Coverage as part of your Auto Insurance policy. Liability Insurance helps pay for costs related to injuries or property damage for an auto accident in which you are found at fault. Uninsured/Underinsured Motorist Coverage helps pay for costs incurred from injuries or damages you suffer in an accident caused by a driver who does have sufficient Car Insurance or any at all.

State Minimum Liability Coverage in Vermont

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $10,000 per accident

State Minimum Uninsured/Underinsured Motorist Coverage in Vermont

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident

To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Vermont

While you’re not required by law to carry the following types of coverage, you may first want to assess what the costs would be out-of-pocket without any additional Auto Insurance coverage at all. You may find that paying a few more dollars a month makes more sense for you. Or, you may feel that you’re financially stable enough to pay for an expensive accident if it occurs.

Below are some examples of optional coverages you should to consider:

  • Collision Coverage*: Many people cannot easily survive without a functioning vehicle. Collision coverage pays to fix any vehicle up to the policy's maximum limits, which can be the difference between getting a vehicle up and running in a week or having it sit idle in an auto shop for months.
  • Comprehensive Coverage*: Unfortunately, there are car thieves everywhere, even in one of the safest states in the country like Vermont. And Liability Insurance won't reimburse you for the value of your stolen vehicle. Comprehensive coverage protects your vehicle from everything bad that can happen to it other than a collision. This includes situations where your vehicle is damaged by hail, flooding, fallen objects, fire or vandalism.
  • Medical Payments: This will help cover your medical costs related to injuries from a car accident.
  • Towing and Labor: This coverage reimburses you for towing and labor costs that come from your car breaking down, up to your policy limit.
  • Rental: If your car is in the shop because of a covered accident, this gives you a limited allowance per day for renting a car.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

You are under no obligation to purchase any of these optional Auto Insurance policies, but they can provide you with a better peace of mind while you're on the road. If you're considering adding any of these optional coverages, contact a knowledgeable AIS agent today for assistance.

Most Stolen Car Models in Vermont

If you own a car that is highly targeted for theft, you may find that your Car Insurance rate is increased. According to, these are the top 10 cars that were stolen in Vermont in 2017:

  1. Chevrolet Pickup (Full Size)
  2. Toyota Corolla
  3. Toyota Camry
  4. Ford Pickup (Full Size)
  5. Subaru Impreza
  6. GMC Pickup (Full Size)
  7. Toyota Rav4
  8. Toyota Tundra
  9. Chevrolet Pickup (Small Size)
  10. Dodge Pickup (Full Size)

Vermont Auto Insurance Discounts

A great way to save on your Car Insurance is to take advantage of one or more of the discounts you may qualify for. Speak with an AIS Insurance Specialist today to find out which Auto Insurance discounts you can apply to your policy.

Examples of South Carolina Car Insurance discounts include:

  • Good Driver
  • Good Student
  • Multi-Car  
  • Homeowners
  • Anti-Theft

To learn more about specific discounts, visit our Discounts page.

Just because Vermont has a lesser population than most states doesn’t mean your chances of getting into a car accident or mishap on the road are any less. Consider factors like uninsured drivers, unexpected weather conditions and more when purchasing your Auto Insurance policy. Our agents at AIS are knowledgeable professionals that can walk you through all of your Vermont Car Insurance needs. Give AIS a call today for a great rate at an even better price!

Start a Vermont Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About Vermont

Before Vermont was accepted into the union, it was an independent country for 14 years.

Vermont was the first state in the country to abolish slavery.

Notable Vermont Attractions

Lake Champlain

The Lincoln Family Home

President Calvin Coolidge State Historic Park