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Vermont Car Insurance

Vermont's roads offer a wealth of natural beauty and historical landmarks, making it a prime destination for drivers looking to explore its scenic routes and charming towns. From the shores of Lake Champlain to the peaks of the Green Mountains, Vermont offers a diverse range of landscapes to discover.

Given the abundance of attractions and the importance of road safety, it's crucial for Vermonters to have quality auto insurance coverage to protect themselves and their vehicles while traveling the state's roadways. Having the right insurance policy can provide peace of mind and financial protection in the event of accidents or unforeseen incidents.

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. Instead, take the time to get a customized quote that meets your unique coverage needs.

Vermont's auto insurance requirements

In Vermont, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $10,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you're sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions.

Property damage liability coverage: Coverage for damage you cause to someone else's property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party's vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage requirements, Vermont mandates coverages for uninsured/underinsured motorist bodily injury and property damage, with the following minimum limits:

  • Uninsured/Underinsured Motorist Bodily Injury Coverage:
    • $50,000 per person
    • $100,000 per accident

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you're injured in an accident caused by a driver who’s uninsured or doesn't have enough coverage to pay for your medical bills and other expenses.

Uninsured motorist property damage coverage: Helps protect your vehicle if it’s damaged in an accident caused by an uninsured driver or by a hit-and-run driver who cannot be identified.

It's important to understand that these are just the minimum requirements, and Vermont drivers may choose higher coverage limits for added protection. 

Additional Vermont car insurance coverage

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Vermonters might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: Coverage for repairs to your vehicle if it's damaged in a collision with another vehicle or object, regardless of fault.
  • Medical payments: No-fault coverage can helps pay for medical expenses for you and your passengers if you're injured in an accident. Medical payments coverage can apply to expenses including ambulance rides, hospital stays, surgery and rehabilitation.
  • Personal injury protection (PIP): Coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of fault. Includes funeral expenses and loss of services.
  • Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud or snow.
  • Repairing or replacing auto glass: Provides coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

How Vermont car insurance rates are determined

There are various factors that impact the cost of auto insurance in Vermont, including individual circumstances, geographical location and more. Here are key points to consider:

  • Driving history: Your individual driving record is crucial. In Vermont, drivers with a history of accidents or traffic violations typically pay higher rates compared to those with clean records.
  • Coverage options and limits: Your choice of coverage types and amounts directly impacts premiums. Opting for the minimum state-required coverage in Vermont is generally more affordable, while adding optional coverages with higher limits will increase premiums.
  • Vehicle type: The make and model of your vehicle are factors. In Vermont, as elsewhere, considerations such as safety ratings, repair costs and likelihood of theft influence premiums. High-value or high-risk vehicles may lead to higher premiums.
  • Claims in Vermont: Vermont auto insurance rates can be influenced by the frequency and severity of claims filed within the state. Higher rates of accidents, thefts or other incidents may lead insurers to adjust premiums for all drivers to reflect the increased risk.
  • Weather patterns in Vermont: The weather patterns, including storms and winter weather, can impact Vermont auto insurance rates. Comprehensive coverage that includes protection against weather-related damage may see adjustments in premiums to account for these risks.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Vermont car insurance discounts for more savings

Amica offers various auto insurance discounts to help policyholders save money on their premiums. Here are some discounts that Vermonters may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Vermont policy premium upfront.

If you're a Vermonter in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, Vermont drivers are eligible to save up to 30% with a multiline discount.

Facts and figures about Vermont

Fun facts about Vermont:

  • Vermont was the first state admitted to the Union after the original 13 colonies.1
  • Millions of gallons of maple syrup are produced in Vermont, making the state the top provider in the U.S.1
  • Vermont has nine state scenic byways and one national scenic byway offering picturesque views no matter the time of year.2

Facts about driving in Vermont:

  • The law requires Vermont teens to have 40+ hours of driving practice before obtaining a provisional driver’s license.3
  • Drive cautiously at night and in the early evening when moose and deer are the most active.3
  • Vermont has a “Move Over Law” that requires drivers to pull over to the side of the road and stop when an emergency vehicle is approaching from any direction.3

How to get car insurance in Vermont

We’re here to guide you through the process of personalizing your car insurance in Vermont. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Vermont drivers based on your unique circumstances and location.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Vermont drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Vermont Facts and Trivia
2 Vermont Scenic Byways
3 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.

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