Vermont Car Insurance: Affordable Coverage in the Green Mountain State
No billboards, no crowds, no expensive car insurance—here's what Vermonters need to know.
Vermont Quick Facts
✓ The Vermont Advantage
Vermont has the 2nd oldest population in America (after Maine), low population density, and minimal traffic congestion. Older drivers + rural roads + responsible culture = some of the cheapest car insurance in the nation. Vermont consistently ranks in the top 10 for affordability.
Vermont Minimum Insurance Requirements
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Per injured person |
| Bodily Injury (per accident) | $50,000 | Total per accident |
| Property Damage | $10,000 | Low—consider increasing |
| Uninsured Motorist | $25,000/$50,000 | Mandatory |
| Underinsured Motorist | $25,000/$50,000 | Mandatory |
| Med Pay | $500 | Mandatory minimum |
Note: Vermont's $10,000 property damage minimum is low. A fender bender can easily exceed this. Consider increasing to $50,000+.
Average Car Insurance Costs in Vermont
| Coverage Level | Annual Premium | Monthly Cost |
|---|---|---|
| State Minimum | $398 | $33 |
| Full Coverage | $1,180 | $98 |
Costs by Vermont City
| City | Avg. Annual Premium | vs. State Avg. |
|---|---|---|
| Burlington | $1,340 | +14% |
| South Burlington | $1,280 | +8% |
| Montpelier | $1,140 | -3% |
| Rutland | $1,120 | -5% |
| Rural Vermont | $1,020 | -14% |
Vermont-Specific Considerations
Winter Driving Hazards
Vermont winters are harsh with heavy snow, ice, and mountain roads. Single-vehicle winter accidents are common. Collision coverage is valuable.
Deer & Moose Collisions
Vermont's rural roads see frequent wildlife crossings. Comprehensive coverage handles animal strikes—collision does not.
Ski Season Traffic
Mountain roads near ski resorts (Stowe, Killington, etc.) see increased traffic and accidents during ski season. Drive carefully on Route 100 and mountain access roads.
Modified Comparative Fault (51%)
Vermont follows a 51% bar rule. You can recover damages if you're 50% or less at fault. At 51%+, you recover nothing.
Top Car Insurance Companies in Vermont
GEICO
Often cheapest in Vermont. Online service.
Amica
New England regional. Best customer service. Dividend policies.
State Farm
Strong agent network. Good bundling discounts.
Co-operative Insurance Companies
Vermont-based carrier. Local expertise.
Bottom Line: Vermont Car Insurance
Vermont offers some of the cheapest car insurance in America. The mandatory UM/UIM coverage provides solid baseline protection.
Increase property damage from the low $10,000 minimum. Add comprehensive for wildlife and collision for winter driving. Shop GEICO, Amica, and State Farm.