Finding cheap car insurance in Vermont is very achievable in the Green Mountain State, which consistently ranks among the states with the lowest auto insurance rates. Vermont's rural character and low population density contribute to favorable insurance pricing.
Vermont offers some of the most affordable insurance rates in the nation. Understanding Vermont car insurance requirements helps you maximize your savings while maintaining proper coverage.
Vermont Car Insurance Requirements
Vermont requires minimum liability coverage of 25/50/10—$25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage. Uninsured/underinsured motorist coverage at 50/100 is also required.
Vermont is a tort state, meaning the at-fault driver is responsible for damages. The higher uninsured motorist requirements provide important protection for Vermont drivers.
What Affects Vermont Car Insurance Rates
Your location within Vermont impacts your car insurance rates. Burlington and other larger towns have slightly higher premiums. The predominantly rural nature of the state keeps rates low overall.
Vermont's harsh winters with snow and ice significantly affect driving conditions and accident rates. Wildlife collisions, particularly with deer and moose, are factors in comprehensive coverage costs for Vermont auto insurance.
How to Save on Vermont Auto Insurance
Comparing quotes from multiple insurers helps you find the best cheap car insurance in Vermont. Even with low base rates, comparing options can yield additional savings.
Take advantage of Vermont's discount opportunities including safe driver, multi-policy, good student, and winter tire discounts. Many Vermont insurers also offer discounts for low annual mileage.