Vermont Auto Insurance Guide
Vermont’s roads offer natural beauty at every turn, from Lake Champlain’s shoreline to the peaks of the Green Mountains.
Scenic routes and historic towns make the state a favorite for drivers looking to explore. With so much to see, Vermonters deserve high-quality auto insurance to help when unexpected incidents occur on the road.
Amica offers customized Vermont car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road.
What auto insurance is required?
Vermont drivers must carry liability insurance. Liability coverage may help pay for bodily injury or property damage you cause to someone else in an accident where you’re at fault. Uninsured/underinsured motorist bodily injury coverage is also required.
Vermont is an at-fault state. In general, the person who causes the accident is financially responsible for resulting bodily injury and property damage costs.
Vermont minimum liability coverage limits
| Coverage type | Minimum limit in Vermont | What it helps cover |
|---|---|---|
| Bodily injury liability | $25,000 per person | Injuries to one person after an at-fault accident |
| Bodily injury liability | $50,000 per accident | Total injury costs for multiple people in one accident |
| Property damage liability | $10,000 per accident | Damage you cause to another person’s vehicle or property |
| Combined single limit option | $60,000 | An alternative way Connecticut may allow required liability limits to be structured |
| Uninsured/underinsured motorist bodily injury | $50,000 per person, $100,000 per accident, $100,000 combined single limit option | Injuries to you or your passengers if an at-fault driver has no insurance |
These are the minimum requirements for car insurance in Vermont. They satisfy the state requirement, but they may not be enough if you cause a more serious crash involving bodily injuries, multiple vehicles or damaged property.
Because of that, many Vermont drivers choose higher liability limits for broader protection.
For a broader overview, see more about car insurance and Amica’s coverage options.
Additional coverages to consider
The state minimum only addresses liability you may owe to others. Many Vermont drivers also consider optional coverages that can help with damage to their own vehicle, medical expenses or transportation needs after a covered loss.
| Coverage | Required in Vermont? | Why it matters |
|---|---|---|
| Collision coverage | No | May help repair your vehicle after a covered accident, regardless of fault |
| Comprehensive coverage | No | May help with covered non-collision losses like theft, falling branches, vandalism or animal damage |
| Medical payments coverage | No | May help cover medical expenses for you and your passengers after a covered accident |
| Rental reimbursement | No | May help with transportation costs while your car is being repaired after a covered claim |
| Roadside assistance | No | May help with towing, lockouts, jump starts and similar roadside issues |
Collision and comprehensive coverage may be especially worth reviewing if your car would be hard to repair or replace out of pocket.
If you want more detail, explore how much car insurance you may need.
How Vermont drivers can customize coverage
After reviewing required and optional coverages, many Vermont drivers compare how much protection they want against what they’re comfortable paying. YourPlan lets you review coverage approaches based on what drivers often choose, then adjust from there to best fit your needs and budget.
- Essential May appeal to drivers looking for foundational protection without many added features.
- Advantage May be a better fit if you want more flexibility and support for situations like roadside issues or broader vehicle protection.
- Signature May suit drivers who want broader protection and fewer potential coverage gaps.
If you want to compare quotes more carefully, exploring how to compare quotes can help you look beyond price alone.
What affects car insurance rates in Vermont?
There are several factors, including your driving profile and broader regional conditions.
- Driving history: A clean record may help you qualify for better rates than a record with accidents or violations.
- Coverage choices: Higher limits, lower deductibles and added optional coverages often increase premium costs.
- Vehicle type: Your car’s value, repair costs, safety features and theft risk may all influence rates.
- Location and claims trends: Local claim frequency, repair costs and traffic conditions can all shape rates.
Average costs can change over time for reasons both within and outside your control, so it can help to compare discounts, deductibles and coverage choices together rather than focusing on premium alone.
Save more with discounts
Amica offers various auto insurance discounts that may help lower premiums for eligible Vermont drivers.1 These include:
- Family-related discounts: Young driver training and good student discounts may be available for qualifying households.
- Driving-related discounts: Claim-free history may help some drivers save.
- Vehicle equipment discounts: Certain safety systems like forward-collision warning or adaptive headlights may qualify.
- Payment-related discounts: AutoPay, paperless delivery and paying in full may also help eligible policyholders reduce costs.
Bundling can also be worth exploring. Vermont drivers who combine eligible policies may qualify for a multiline discount.
Driving facts to keep in mind
- The law requires Vermont teens to have 40+ hours of driving practice before obtaining a provisional driver’s license.2
- Drive cautiously at night and in the early evening, when moose and deer are most active. Moose are taller than deer, so headlights may not reflect off their eyes, making them harder to spot.2
- In Vermont, bicycles, animal-drawn transportation and people riding animals have the same rights as motor vehicles. If you encounter any of the three, avoid honking your horn, as it may create an unsafe situation.2
How to get auto insurance in Vermont
If you’re ready to compare options, here’s a simple place to start:
- Review your coverage needs: Start with Vermont’s required liability limits, then decide whether higher limits or optional coverages may make sense for your car and finances.
- Look for savings opportunities: Eligible discounts, bundling and payment options may all affect your premium.
- Get a quote: You can get a quote online or call 800-242-6422 to speak with a representative.
Taking a little extra time to compare limits, deductibles and optional coverages can help you build a Vermont car insurance policy that best matches how and where you drive.
Get an auto insurance quote today
FAQs about car insurance in Vermont
No. Vermont is an at-fault state. The person who causes an accident is generally responsible for the resulting bodily injury and property damage costs.
It depends on your ZIP code, driving history, vehicle, annual mileage and coverage choices. Your quote may look very different from a statewide average.
Vermont drivers must carry liability insurance with minimum limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $10,000 for property damage per accident, or $60,000 for combined single limit option. Uninsured/underinsured motorist bodily injury coverage is also required at minimum limits of $100,000 combined single limit option or $50,000 for bodily injury per person and $100,000 for bodily injury per accident.
That depends on your financial situation, how much you drive, the value of your vehicle and how much risk you want to keep for yourself. Many drivers consider higher liability limits and optional coverages for broader protection than the state minimum provides.
Discounts not available in all states and may vary.
Vermont Drivers Manual
Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.
This inclusion of non-Amica companies, products, services or statement herein (“Third-Party Content”) is for general informational purposes only and does not constitute a recommendation or endorsement by Amica Insurance. Policies, views, opinions or positions of Third-Party Content expressed herein are those of the authors and do not necessarily reflect the policies, views, opinions or positions of Amica Insurance. Amica Insurance makes no warranties, expressed or implied, as to the accuracy and reliability of Third-Party Content.
This content may contain helpful tips, explanation and advice. Your use of this information is voluntary and may not be effective in every circumstance. Amica encourages you to use good judgment and put safety first.
For more information on our editorial process and content standards, take a look at our editorial guidelines.
AMIC-14-072127