Vermont Auto Insurance
Vermont, the Green Mountain state, is the second least populous state in the U.S. Its capitol, Montpelier, is the least populous state capitol. Known for its maple syrup and for being a skiing destination, Vermont is also the safest state in the country.
Whether you’re driving out to the slopes or to the farm, you’ll need reliable transportation to get around in Vermont. Because of the shifts in seasons and the changing road conditions, it’s very important to have the right insurance. There is a minimum amount of insurance required by law.
This is where Auto Insurance Specialists is here to help you. We will compare coverage options and rates from several different carriers before you 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 Vermont Auto Insurance
Vermont laws require you to purchase liability and uninsured motorist coverage as part of your car insurance policy.
In Vermont, your car must have liability car insurance to help pay for costs related to injuries or property damage from a car accident you caused.
To comply with Vermont’s laws, your liability insurance must include the following minimum limits:
- $25,000 for injury or death to one person in an accident.
- $50,000 for total injury or death if multiple people are hurt in the accident.
- $10,000 for property damage.
Uninsured/Underinsured Motorist Coverage:
Uninsured and underinsured motorist coverage helps you pay for costs arising from injuries you suffer after an accident caused by a driver who does not have car insurance or who has insufficient insurance to cover your costs.
Vermont requires you to have uninsured/underinsured motorist coverage at the following minimum limits per accident:
- $50,000 for bodily injury to one person.
- $100,000 for total injury if multiple people are injured or killed.
Optional Coverage in Vermont to Consider
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 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 you find yourself involved in an accident.
These are other types of car insurance coverage you should consider:
- Collision – This will help pay for damages to your car due to traffic accidents.
- Other than collision (commonly known as “Comprehensive”) – This will help pay for damages to your car resulting from most cases that do not involve traffic accidents.
- Medical payments – This will help cover your medical costs related to injuries from a car accident.
- Towing and labor
Most Stolen Car Models in Vermont
A car that is often the target of theft can increase your car insurance rates.
The following are Vermont's most stolen cars, according to The National Insurance Crime Bureau (NICB):
1. Subaru Legacy.
2. Ford Pickup.
3. Honda Civic.
4. Chevrolet Pickup (Full Size).
5. GMC Pickup (Full Size).
6. Jeep Cherokee/Grand Cherokee.
7. Toyota Camry.
8. Toyota Corolla.
9. Honda Accord.
10. Subaru Forrester.
Vermont Auto Insurance Discounts
You can always save on car insurance is by taking advantage of discounts.
These are some common discounts in the state of Vermont:
• Good driver
• Good student