The Ultimate Vermont Car Insurance Guide (Costs + Coverage)

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Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

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Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...

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UPDATED: Feb 16, 2024

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Vermont Stats SummaryDetails
Road MilesTotal in State: 14,252
Vehicle Miles Driven: 7,314 million
VehiclesRegistered: 624,296
Total Stolen: 178
State Population624,455
Most Popular Vehicle in StateToyota RAV4
Percent of Uninsured Motorists6.80%
State Rank: 47th
Total Driving FatalitiesSpeeding Fatalities: 31
Drunk Driving Fatalities: 18
Average Annual PremiumsLiability: $343
Collision: $295
Comprehensive: $125
Cheapest ProvidersNationwide Mutual and USAA

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With an undisputed claim to the best maple syrup in America, Vermont is a paradise for those who want a simpler life and feast on fresh produce all the time.

The clean air and wide spaces make it a healthy place to spend your life in. In fact, statistics have constantly shown that the people in Vermont are the healthiest and almost all the people have health insurance.

And, that brings us to the point of auto insurance – which is essential to drive around in the beautiful state.

Since there’s a lot that you need to know before buying auto insurance, we are writing this in-depth guide as your one-stop solution for any questions that you might have regarding coverage. So, you can relax and rely on us for all the information.

Sometimes looking for a provider can be tricky. But with AutoInsuranceEZ.com, it’s as simple as keying in your zip code. We can present you with the top 10 insurance providers in your area, whether you live in a big city like Burlington, Essex, or Rutland, or a lesser populated area such as Colchester or South Burlington.

You can also start comparison shopping today using our FREE online tool. Enter your zip code above to get started.

Table of Contents

Car Insurance Coverage and Rates in Vermont

What you buy in auto insurance coverage is usually more than the state-mandated minimum requirement.

How do you then decide what amount of coverage is enough for you?

Also, do you really understand what liability, collision, or comprehensive insurance means?

If you ask people about their car insurance coverage, most of them are in the dark about what the different terminologies mean or how would their coverage kick-in in the event of an accident.

Take for example the minimum auto liability requirements across states – it only covers the injuries and damages to the third-party in an accident and the at-fault driver has to get additional coverage that pays for his/her injuries and damages.

We will uncover all this information for you so that you know what you’re buying.

Car Culture in Vermont

Since Vermont is the second least populated state in America, you would hardly find people honking or traffic congestions anywhere in the state.

With the state’s commitment to keeping its environment non-polluted, the use of electric vehicles and bio-diesel is actively encouraged across the state.

That’s part of the reason why Subaru continues to be a popular vehicle in Vermont. It’s fuel-efficient and an all-weather make, which is much-required during the harsh winter days.

Minimum Auto Insurance Coverage Requirement in Vermont

Type of InsuranceMinimum Requirement
Personal Injury Liability$25,000 per person/$50,000 per accident
Property Damage Liability$10,000 per accident
Uninsured Motorist Personal Injury Coverage$50,000 person/$100,000 per accident
Uninsured Motorist Property Damage Coverage$10,000 per accident

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Without auto insurance coverage, it’s illegal to drive in Vermont. Hence, the state mandates auto owners to at least buy the minimum liability coverage.

In Vermont, you must carry the minimum personal injury liability coverage that would cover medical injuries of the third-party to the extent of $25,000 per person and $50,000 overall for all the injured parties. In addition, you must also carry property damage liability coverage of $10,000 to cover any damages to the third-party’ property.

We are only talking about third-party injuries and damages in the coverage above. Why?

Because that’s what liability coverage stands for – to redress the liability of an at-fault driver in an accident towards the injured party.

How do auto insurance providers determine liability in an accident?

As part of the investigation process, auto insurance companies determine who was at fault in an accident. Resultantly, the at-fault driver’s auto insurer is responsible to settle damages of the injured party.

Vermont is an at-fault state by law which dictates how liability is determined in a state. In no-fault states, auto owners turn to their own insurance carriers for reimbursements post an accident, irrespective of fault.

State laws in Vermont also require the auto owners to carry Uninsured Motorists Coverage of  $50,000 per person with an overall limit of $100,000 per accident and $10,000 for property damages.

If you’re hit by a motorist who isn’t carrying any insurance, you would be covered for injuries and damages through the UM coverage.

Do remember that if you’re the at-fault driver in an accident, the minimum liability coverage wouldn’t cover your medical injuries or property damages.

What options do you have to cover your own damages?

Types of CoverageWhat it Covers
Collision Collision helps to recover the cost of repair or replacement if your car is damaged due to a collision with another object, such as tree, fence, or another car.
ComprehensiveComprehensive covers damages to your car that happen due to causes out of your control, such as storms, theft, fire, etc.
Medical PaymentsMed Pay helps to cover the medical expenses from injury to you or your passengers in an accident irrespective of the fault.
Personal Injury Protection (PIP)PIP, as the name suggests, kicks in to cover your personal injury expenses in an accident irrespective of fault. Along with medical expenses, PIP also covers lost wages.

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Collision and comprehensive coverage options always come handy as these protect your car from damages.

For your personal injuries, you can choose either Personal Injury Protection (PIP) or Medical Payments coverage since both these options would pay for your medical expenses.

PIP also covers your lost wages, so that can be an added advantage if you lose your ability to earn in the short-term as a result of an accident.

You can also watch this short video to understand all the coverage options you have.

Forms of Financial Responsibility in Vermont

As an auto owner, you are required to maintain financial responsibility to cover for any damages in the event of an accident. Financial responsibility can be met by:

  • Buying an insurance policy or a bond with the state-mandated insurance coverage limits
  • Or by way of self-insurance of $115,000 to be filed with the Commissioner of Motor Vehicles

Under no circumstance, vehicle owners are allowed to drive without buying either an auto liability policy or filing a self-insurance certificate.

Premium as a Percentage of Income in Vermont

Particulars201420132012
Average Annual Premiums$746$734$726
Personal Disposable Income$42,267$40,990$40,735
Premium as a Percentage of Income1.77%1.79%1.78%

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The proportion of your premium payments to income determines whether its high or low. In the three years from 2012-2014, premium payments were less than 2 percent of the average disposable income in Vermont.

Note that disposable income is the amount available for spending after taxes have been paid off by a household.

 

Though the disposable income is high in its neighboring states, except Maine, Vermont has a better premium to income ratio than New York, Massachusetts, and Maine.

These calculations are based on averages, so you can calculate the percentage of your auto premiums to income using our calculator.

CalculatorPro

Core Coverage Premiums in Vermont

When you buy an auto insurance policy, it usually includes three components i.e. liability, collision, and comprehensive.

To give you an idea of how much auto policy costs, we are including the cost for these three options in the coverage.

Type of Coverage201520142013
Liability$343.12$341.60$343.85
Collision
$295.42$285$272.27
Comprehensive$125.48$120.18$118.70
Full Coverage$764$746.79$734.82

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For liability insurance, there has been a slight change in premiums from the 2013 to 2015 period. Collision insurance has increased quite a bit over the same period.

But, when it comes to national average premiums, the insurance cost in Vermont is much lower. Liability coverage, which is the most expensive out of the three, costs $538 on average annually, while you have to pay only $343 in Vermont.

Additional Liability Coverage in Vermont

Loss Ratio201520142013
Medical Payments83.39%78.58%80.04%
Uninsured/Underinsured Motorist76.73%51.67%71.49%

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Apart from the basic coverage options mentioned in the section above, you also have the option to buy either Personal Injury Protection or Medical Payments coverage to pay for your medical injuries in the event of an accident.

If you want to know if insurers in Vermont are paying off claims for these options, you can see the loss ratio table.

Loss ratio signifies the amount of claims being paid off by an insurance company compared to the earned premiums. If an insurer’s loss ratio is 70 percent, it means the claim payouts are $70 from a premium income of $100.

Loss ratio also indicates whether an insurance company is earning profits or not because if the ratio is more than 100 percent, the insurer is undergoing losses. For Medical Payments, claim payouts have ranged around 80 percent from the 2013-2015 period.

Since Uninsured Motorist coverage is mandatory in Vermont and can be quite useful, every motorist must carry this.

Around 6.80 percent of the motorists in Vermont are uninsured (Vermont ranks 47th in the percentage of uninsured motorists) which isn’t as bad as other states but if you get involved in an accident with an uninsured motorist, your coverage would protect you from the damages.

  Add-ons, Endorsements, and Riders in Vermont

We have talked about all the basic coverage options that you need to consider while buying auto insurance. But there are some add-ons and riders that are meant to help auto owners in specific situations.

For instance, if your car suddenly breaks down while driving, which wasn’t caused by a collision or an act of nature, then having mechanical breakdown insurance can save you hundreds of dollars in repair cost.

Browse through the links below to explore the available options:

While we are on the topic of saving costs, let’s delve into usage-based insurance or pay-as-you-drive option.

We know that the cost of auto insurance isn’t as high as some other states, but who doesn’t like to save money? Especially, when you have an option to get discounts on premiums based on how you drive.

With the help of telematics technology, auto insurers track the driving pattern of auto owners, who choose to enrol in the usage-based program, by recording their acceleration, braking habits, daily mileage, and other data to determine whether they’re safe drivers or not.

Once an auto owner completes a pre-defined period in the program, auto insurers assess their driving behavior and offer discounts if applicable.

Though only a few auto insurers offer the usage-based program, it’s worth a try to get discounts on your auto premiums.

Male vs Female Auto Insurance Rates in Vermont

Insurance ProviderSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old male
Allstate F&C$5,154.27$6,803.81$2,449.28$2,688.80$2,156.27$2,156.27$2,057.16$2,057.16
Geico General$3,848.67$4,488.09$1,420.67$1,390.28$1,684.84$1,566.30$1,657.04$1,509.79
General Ins Co of America$8,037.59$8,935.93$2,175.96$2,307.62$1,899.55$2,055.13$1,676.31$1,880.55
Nationwide Mutual$3,515.58$4,474.30$1,657.72$1,786.24$1,446.33$1,472.29$1,300.39$1,372.80
Progressive Northern$10,429.81$11,415.82$3,448.68$3,670.58$3,373.74$3,347.85$3,018.68$3,031.96
State Farm Mutual Auto$8,041.71$10,326.54$3,030.29$3,369.84$2,718.93$2,718.93$2,428.22$2,428.22
USAA CIC$3,710.69$3,881.09$1,568.30$1,637.38$1,145.98$1,150.47$1,070.48$1,064.01

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If you’re young and inexperienced with driving, you are going to pay a much higher premium than those who are above 25.

Usually, auto insurance companies factor in the age and gender, among other things, of auto owners while calculating premiums, and young male drivers get the worst rates. Because, statistically, they are riskier drivers.

In the table, you can notice that 17-year-old drivers pay the highest premiums, with the young males paying significantly higher than their female counterparts. Once drivers reach the age of 25, their gender isn’t a major contributor to the calculation of rates.

Geico General and Nationwide Mutual offer the best rates across all categories, though USAA has the cheapest rates, it’s only available for military personnel and their families.

You can also see the ranking of different providers for the demographics on the basis of average annual rates.

CompanyDemographicAverage Annual RateRank
Progressive NorthernSingle 17-year old male$11,415.821
Progressive NorthernSingle 17-year old female$10,429.812
State Farm Mutual AutoSingle 17-year old male$10,326.543
General Ins Co of AmericaSingle 17-year old male$8,935.934
State Farm Mutual AutoSingle 17-year old female$8,041.715
General Ins Co of AmericaSingle 17-year old female$8,037.596
Allstate F&CSingle 17-year old male$6,803.817
Allstate F&CSingle 17-year old female$5,154.278
Geico GeneralSingle 17-year old male$4,488.099
Nationwide MutualSingle 17-year old male$4,474.3010
USAA CICSingle 17-year old male$3,881.0911
Geico GeneralSingle 17-year old female$3,848.6712
USAA CICSingle 17-year old female$3,710.6913
Progressive NorthernSingle 25-year old male$3,670.5814
Nationwide MutualSingle 17-year old female$3,515.5815
Progressive NorthernSingle 25-year old female$3,448.6816
Progressive NorthernMarried 35-year old female$3,373.7417
State Farm Mutual AutoSingle 25-year old male$3,369.8418
Progressive NorthernMarried 35-year old male$3,347.8519
Progressive NorthernMarried 60-year old male$3,031.9620
State Farm Mutual AutoSingle 25-year old female$3,030.2921
Progressive NorthernMarried 60-year old female$3,018.6822
State Farm Mutual AutoMarried 35-year old female$2,718.9323
State Farm Mutual AutoMarried 35-year old male$2,718.9323
Allstate F&CSingle 25-year old male$2,688.8025
Allstate F&CSingle 25-year old female$2,449.2826
State Farm Mutual AutoMarried 60-year old female$2,428.2227
State Farm Mutual AutoMarried 60-year old male$2,428.2227
General Ins Co of AmericaSingle 25-year old male$2,307.6229
General Ins Co of AmericaSingle 25-year old female$2,175.9630
Allstate F&CMarried 35-year old female$2,156.2731
Allstate F&CMarried 35-year old male$2,156.2731
Allstate F&CMarried 60-year old female$2,057.1633
Allstate F&CMarried 60-year old male$2,057.1633
General Ins Co of AmericaMarried 35-year old male$2,055.1335
General Ins Co of AmericaMarried 35-year old female$1,899.5536
General Ins Co of AmericaMarried 60-year old male$1,880.5537
Nationwide MutualSingle 25-year old male$1,786.2438
Geico GeneralMarried 35-year old female$1,684.8439
General Ins Co of AmericaMarried 60-year old female$1,676.3140
Nationwide MutualSingle 25-year old female$1,657.7241
Geico GeneralMarried 60-year old female$1,657.0442
USAA CICSingle 25-year old male$1,637.3843
USAA CICSingle 25-year old female$1,568.3044
Geico GeneralMarried 35-year old male$1,566.3045
Geico GeneralMarried 60-year old male$1,509.7946
Nationwide MutualMarried 35-year old male$1,472.2947
Nationwide MutualMarried 35-year old female$1,446.3348
Geico GeneralSingle 25-year old female$1,420.6749
Geico GeneralSingle 25-year old male$1,390.2850
Nationwide MutualMarried 60-year old male$1,372.8051
Nationwide MutualMarried 60-year old female$1,300.3952
USAA CICMarried 35-year old male$1,150.4753
USAA CICMarried 35-year old female$1,145.9854
USAA CICMarried 60-year old female$1,070.4855
USAA CICMarried 60-year old male$1,064.0156

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Auto Insurance Rates by City in Vermont

ZipcodeAverage Annual PremiumsRankCompared to Average (+/-)City
05079$3,314.441$80.31VERSHIRE
05665$3,313.692$79.56NORTH HYDE PARK
05058$3,310.473$76.34POST MILLS
05070$3,310.473$76.34SOUTH STRAFFORD
05083$3,310.473$76.34WEST FAIRLEE
05061$3,308.986$74.85RANDOLPH CENTER
05045$3,306.767$72.63FAIRLEE
05072$3,306.767$72.63STRAFFORD
05861$3,303.919$69.78PASSUMPSIC
05041$3,302.5110$68.38EAST RANDOLPH
05075$3,302.1011$67.97THETFORD CENTER
05859$3,301.9712$67.84NORTH TROY
05848$3,300.2913$66.16LOWER WATERFORD
05667$3,300.0314$65.90PLAINFIELD
05649$3,299.2115$65.08EAST BARRE
05842$3,297.9116$63.78GREENSBORO BEND
05875$3,297.9116$63.78WEST GLOVER
05060$3,297.5018$63.37RANDOLPH
05821$3,292.9719$58.84BARNET
05654$3,292.6820$58.55GRANITEVILLE
05663$3,290.1821$56.05NORTHFIELD
05666$3,288.9122$54.78NORTH MONTPELIER
05873$3,288.9122$54.78WEST DANVILLE
05820$3,288.1324$54.00ALBANY
05833$3,288.1324$54.00EAST CHARLESTON
05850$3,288.1324$54.00LYNDON CENTER
05860$3,286.9227$52.79ORLEANS
05872$3,286.9227$52.79WEST CHARLESTON
05158$3,285.8129$51.68WESTMINSTER
05046$3,285.3730$51.24GROTON
05853$3,283.9131$49.78MORGAN
05867$3,283.9131$49.78SUTTON
05868$3,283.9131$49.78TROY
05043$3,282.0334$47.90EAST THETFORD
05847$3,282.0334$47.90LOWELL
05745$3,281.9736$47.84FOREST DALE
05648$3,281.8637$47.73CALAIS
05660$3,281.1138$46.98MORETOWN
05675$3,280.3939$46.26WASHINGTON
05647$3,280.1240$45.99CABOT
05650$3,280.1240$45.99EAST CALAIS
05681$3,279.9442$45.81WOODBURY
05857$3,279.7943$45.66NEWPORT CENTER
05836$3,279.1344$45.00EAST HARDWICK
05464$3,279.0445$44.91JEFFERSONVILLE
05822$3,278.7846$44.65BARTON
05676$3,278.0547$43.92WATERBURY
05086$3,277.9548$43.82WEST TOPSHAM
05829$3,277.1449$43.01DERBY
05830$3,277.1449$43.01DERBY LINE
05658$3,276.0451$41.91MARSHFIELD
05839$3,275.5952$41.46GLOVER
05845$3,275.5952$41.46IRASBURG
05843$3,275.1754$41.04HARDWICK
05855$3,275.1355$41.00NEWPORT
05827$3,274.9056$40.77CRAFTSBURY COMMON
05680$3,274.8157$40.68WOLCOTT
05866$3,274.1358$40.00SHEFFIELD
05874$3,273.2859$39.15WESTFIELD
05838$3,272.9260$38.79EAST SAINT JOHNSBURY
05863$3,272.9260$38.79SAINT JOHNSBURY CENTER
05674$3,272.8762$38.74WARREN
05059$3,272.3363$38.20QUECHEE
05851$3,272.1864$38.05LYNDONVILLE
05903$3,269.3865$35.25CANAAN
05069$3,269.2066$35.07SOUTH RYEGATE
05862$3,269.2066$35.07PEACHAM
05823$3,269.0968$34.96BEEBE PLAIN
05664$3,268.6769$34.54NORTHFIELD FALLS
05672$3,268.0870$33.95STOWE
05081$3,266.9471$32.81WELLS RIVER
05871$3,266.9272$32.79WEST BURKE
05346$3,266.2873$32.15PUTNEY
05661$3,265.7674$31.63MORRISVILLE
05662$3,265.7475$31.61MOSCOW
05679$3,265.3976$31.26WILLIAMSTOWN
05837$3,265.3177$31.18EAST HAVEN
05901$3,265.3177$31.18AVERILL
05907$3,265.3177$31.18NORTON
05042$3,265.1380$31.00EAST RYEGATE
05669$3,264.5781$30.44ROXBURY
05492$3,262.6882$28.55WATERVILLE
05653$3,262.6882$28.55EDEN MILLS
05656$3,261.5484$27.41JOHNSON
05858$3,261.4285$27.29NORTH CONCORD
05832$3,261.3886$27.25EAST BURKE
05345$3,260.9387$26.80NEWFANE
05033$3,260.3088$26.17BRADFORD
05677$3,260.0189$25.88WATERBURY CENTER
05355$3,259.5090$25.37WARDSBORO
05101$3,259.3091$25.17BELLOWS FALLS
05341$3,258.9692$24.83EAST DOVER
05655$3,258.8993$24.76HYDE PARK
05301$3,258.7894$24.65BRATTLEBORO
05036$3,258.5295$24.39BROOKFIELD
05670$3,258.1196$23.98SOUTH BARRE
05682$3,257.8097$23.67WORCESTER
05361$3,257.4298$23.29WHITINGHAM
05363$3,257.4298$23.29WILMINGTON
05905$3,257.35100$23.22GUILDHALL
05442$3,257.11101$22.98BELVIDERE CENTER
05657$3,257.09102$22.96LAKE ELMORE
05353$3,257.06103$22.93TOWNSHEND
05826$3,255.77104$21.64CRAFTSBURY
05673$3,255.31105$21.18WAITSFIELD
05354$3,254.21106$20.08VERNON
05640$3,253.47107$19.34ADAMANT
05358$3,253.32108$19.19WEST HALIFAX
05359$3,253.32108$19.19WEST TOWNSHEND
05819$3,252.73110$18.60SAINT JOHNSBURY
05652$3,252.67111$18.54EDEN
05360$3,252.41112$18.28WEST WARDSBORO
05841$3,251.39113$17.26GREENSBORO
05051$3,251.30114$17.17NEWBURY
05343$3,250.19115$16.06JAMAICA
05038$3,249.76116$15.63CHELSEA
05146$3,249.76116$15.63GRAFTON
05828$3,249.71118$15.58DANVILLE
05902$3,249.67119$15.54BEECHER FALLS
05904$3,249.67119$15.54GILMAN
05076$3,249.46121$15.33TOPSHAM
05906$3,248.00122$13.87LUNENBURG
05738$3,244.50123$10.37CUTTINGSVILLE
05751$3,244.50123$10.37KILLINGTON
05846$3,244.43125$10.30ISLAND POND
05049$3,244.09126$9.96HARTLAND FOUR CORNERS
05054$3,243.46127$9.33NORTH THETFORD
05356$3,243.32128$9.19WEST DOVER
05651$3,243.13129$9.00EAST MONTPELIER
05085$3,242.96130$8.83WEST NEWBURY
05772$3,242.88131$8.75STOCKBRIDGE
05444$3,242.85132$8.72CAMBRIDGE
05091$3,242.39133$8.26WOODSTOCK
05040$3,241.50134$7.37EAST CORINTH
05034$3,241.44135$7.31BRIDGEWATER
05084$3,241.44135$7.31WEST HARTFORD
05602$3,240.76137$6.63MONTPELIER
05032$3,239.95138$5.82BETHEL
05730$3,239.71139$5.58BELMONT
05052$3,238.65140$4.52NORTH HARTLAND
05053$3,238.65140$4.52NORTH POMFRET
05071$3,238.65140$4.52SOUTH WOODSTOCK
05073$3,238.65140$4.52TAFTSVILLE
05746$3,238.65140$4.52GAYSVILLE
05824$3,238.10145$3.97CONCORD
05141$3,237.68146$3.55CAMBRIDGEPORT
05154$3,237.68146$3.55SAXTONS RIVER
05342$3,237.68146$3.55JACKSONVILLE
05351$3,237.68146$3.55SOUTH NEWFANE
05362$3,237.68146$3.55WILLIAMSVILLE
05039$3,236.99151$2.86CORINTH
05148$3,236.77152$2.64LONDONDERRY
05641$3,236.57153$2.44BARRE
05767$3,234.99154$0.86ROCHESTER
05068$3,234.93155$0.80SOUTH ROYALTON
05155$3,234.55156$0.42SOUTH LONDONDERRY
05065$3,233.30158-$0.83SHARON
05067$3,233.30158-$0.83SOUTH POMFRET
05048$3,232.76160-$1.37HARTLAND
05252$3,231.24161-$2.89EAST ARLINGTON
05260$3,231.24161-$2.89NORTH POWNAL
05737$3,231.03163-$3.10CHITTENDEN
05763$3,231.03163-$3.10PITTSFORD
05201$3,230.61165-$3.52BENNINGTON
05350$3,230.47166-$3.66READSBORO
05476$3,230.46167-$3.67RICHFORD
05152$3,230.33168-$3.80PERU
05077$3,230.11169-$4.02TUNBRIDGE
05352$3,229.43170-$4.70STAMFORD
05678$3,228.76171-$5.37WEBSTERVILLE
05257$3,228.39172-$5.74NORTH BENNINGTON
05261$3,227.89173-$6.24POWNAL
05750$3,226.99174-$7.14HYDEVILLE
05253$3,225.67175-$8.46EAST DORSET
05255$3,225.67175-$8.46MANCHESTER CENTER
05340$3,225.67175-$8.46BONDVILLE
05776$3,225.67175-$8.46WEST RUPERT
05759$3,224.46179-$9.67NORTH CLARENDON
05250$3,224.09180-$10.04ARLINGTON
05262$3,223.73181-$10.40SHAFTSBURY
05050$3,222.81182-$11.32MC INDOE FALLS
05450$3,222.30183-$11.83ENOSBURG FALLS
05742$3,221.06184-$13.07EAST WALLINGFORD
05744$3,221.06184-$13.07FLORENCE
05055$3,220.87186-$13.26NORWICH
05762$3,220.16187-$13.97PITTSFIELD
05741$3,220.01188-$14.12EAST POULTNEY
05001$3,219.23189-$14.90WHITE RIVER JUNCTION
05471$3,218.67190-$15.46MONTGOMERY CENTER
05489$3,218.39191-$15.74UNDERHILL
05739$3,217.13192-$17.00DANBY
05758$3,215.92193-$18.21MOUNT HOLLY
05447$3,215.22194-$18.91EAST BERKSHIRE
05035$3,214.53195-$19.60BRIDGEWATER CORNERS
05773$3,214.43196-$19.70WALLINGFORD
05457$3,214.17197-$19.96FRANKLIN
05441$3,211.71198-$22.42BAKERSFIELD
05251$3,210.14199-$23.99DORSET
05159$3,210.12200-$24.01WESTMINSTER STATION
05056$3,209.97201-$24.16PLYMOUTH
05757$3,209.77202-$24.36MIDDLETOWN SPRINGS
05733$3,209.74203-$24.39BRANDON
05468$3,208.40204-$25.73MILTON
05732$3,207.67205-$26.46BOMOSEEN
05761$3,206.25206-$27.88PAWLET
05483$3,206.22207-$27.91SHELDON
05488$3,204.38208-$29.75SWANTON
05459$3,203.58209-$30.55HIGHGATE CENTER
05477$3,203.09210-$31.04RICHMOND
05735$3,203.02211-$31.11CASTLETON
05454$3,201.50212-$32.63FAIRFAX
05494$3,200.11213-$34.02WESTFORD
05461$3,199.68214-$34.45HINESBURG
05747$3,199.20215-$34.93GRANVILLE
05062$3,198.86216-$35.27READING
05153$3,198.86216-$35.27PROCTORSVILLE
05455$3,197.71218-$36.42FAIRFIELD
05439$3,196.85219-$37.28COLCHESTER
05764$3,196.14220-$37.99POULTNEY
05142$3,196.07221-$38.06CAVENDISH
05775$3,195.70222-$38.43WEST PAWLET
05448$3,195.52223-$38.61EAST FAIRFIELD
05743$3,193.90224-$40.23FAIR HAVEN
05445$3,193.77225-$40.36CHARLOTTE
05478$3,193.27226-$40.86SAINT ALBANS
05443$3,191.92227-$42.21BRISTOL
05777$3,191.69228-$42.44WEST RUTLAND
05150$3,191.55229-$42.58NORTH SPRINGFIELD
05491$3,191.52230-$42.61VERGENNES
05774$3,191.04231-$43.09WELLS
05456$3,190.53232-$43.60FERRISBURGH
05030$3,190.45233-$43.68ASCUTNEY
05495$3,190.14234-$43.99WILLISTON
05037$3,188.75235-$45.38BROWNSVILLE
05151$3,188.75235-$45.38PERKINSVILLE
05357$3,187.51237-$46.62WEST DUMMERSTON
05487$3,187.25238-$46.88STARKSBORO
05089$3,186.54239-$47.59WINDSOR
05156$3,186.54239-$47.59SPRINGFIELD
05736$3,186.45241-$47.68CENTER RUTLAND
05161$3,185.01242-$49.12WESTON
05149$3,184.68243-$49.45LUDLOW
05143$3,181.88244-$52.25CHESTER
05481$3,177.17245-$56.96SAINT ALBANS BAY
05485$3,176.26246-$57.87SHELDON SPRINGS
05482$3,172.92247-$61.21SHELBURNE
05408$3,171.28248-$62.85BURLINGTON
05460$3,170.34249-$63.79HIGHGATE SPRINGS
05405$3,169.63250-$64.50BURLINGTON
05490$3,168.55251-$65.58UNDERHILL CENTER
05466$3,152.92252-$81.21JONESVILLE
05486$3,151.83253-$82.30SOUTH HERO
05465$3,150.62254-$83.51JERICHO
05474$3,148.56255-$85.57NORTH HERO
05462$3,144.61256-$89.52HUNTINGTON
05463$3,142.08257-$92.05ISLE LA MOTTE
05748$3,141.61258-$92.52HANCOCK
05778$3,141.61258-$92.52WHITING
05440$3,140.08260-$94.05ALBURGH
05473$3,138.82261-$95.31NORTH FERRISBURGH
05734$3,136.29262-$97.84BRIDPORT
05769$3,136.29262-$97.84SALISBURY
05770$3,136.29262-$97.84SHOREHAM
05401$3,134.75265-$99.38BURLINGTON
05766$3,134.71266-$99.42RIPTON
05452$3,133.35267-$100.78ESSEX JUNCTION
05403$3,131.99268-$102.14SOUTH BURLINGTON
05753$3,131.51269-$102.62MIDDLEBURY
05458$3,129.69270-$104.44GRAND ISLE
05472$3,124.23271-$109.90NEW HAVEN
05765$3,122.86272-$111.27PROCTOR
05701$3,121.53273-$112.60RUTLAND
05404$3,120.61274-$113.52WINOOSKI
05760$3,117.06275-$117.07ORWELL
05446$3,098.67276-$135.46COLCHESTER

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The statewide average premium rate is $3,234, and you can search your city or zip code in the table to check how much your rates vary from the average.

Surprisingly, the rates in Burlington, South Burlington, Colchester, Rutland, and Essex Junction are the lowest despite being the most populated cities in Vermont.

Affordable Insurance Options Across Vermont

Explore the most budget-friendly insurance choices available in Vermont’s key locations, including Burlington, Colchester, Essex, and Rutland. This guide helps you navigate through the cheapest insurance providers to secure your financial protection without overspending.

Find the Cheapest Insurance in Your City
Burlington, VT
Colchester, VT
Essex, VT
Rutland, VT

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Best Car Insurance Companies in Vermont

By now, you know about different types of insurance coverage and the average rates for auto insurance in your zip code and city.

But, how would you find out which insurer to buy a policy from? You might be enticed to search the cheapest quote and close the deal, but would that be enough?

Before buying an auto insurance policy, you must check the financial viability, customer reviews, complaint numbers of insurance providers to avoid any suffering later.

Let’s look at the factors that can help you in making a decision.

Financial Ratings of the Leading Auto Insurance Providers in Vermont

Leading Insurance ProvidersA.M. Best Rating
Progressive GroupA+
GeicoA++
Liberty Mutual GroupA
State Farm GroupA++
Allstate Insurance GroupA+
USAA GroupA++
Auto-Owners GroupA++
Travelers GroupA++
Co-operative Insurance CosA
Vermont Mutual GroupA+

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Auto owners buy policies to protect them from the cost of any damages that may arise in the future if they happen to get involved in an unfortunate accident.

But, what if your auto insurer doesn’t have the financial strength to survive till the end of your policy period?

That’s why it’s recommended to always review the financial rating of an insurance provider before buying a policy.

As a customer, you have the option to check the financial strength of an insurance provider through the ratings published by any of the five independent credit rating agencies – A.M. Best, Fitch, Kroll Bond Rating Agency, Moody’s and Standard & Poor’s.

For the purpose of your convenience, we have shown the A.M. Best ratings, which has a unique focus on the insurance sector, for the leading insurance providers in Vermont.

Best’s Financial Strength Ratings uses a scale from A++ to D which signifies the superior to poor capability of insurance providers to meet their long-term insurance obligations.

Customer Reviews of Auto Insurance Providers in Vermont

Along with financial strength, insurance providers should also have impeccable service standards because accidents can cause a lot of distress to auto owners.

Customer reviews can help you understand in detail if an insurance provider can meet your expectations – which can range from a prompt response to a fast claim settlement process.

J.D. Power, a leading marketing information services company, conducts annual surveys of auto insurance customers to assess providers on five factors – interaction; policy offerings; price; billing process and policy information; and claims.

Giving a read to their customer survey results can be the starting point of your review research.

As per the 2019 U.S. Auto Insurance Study, the convenience of self-service because of digital technologies and do-it-yourself tools have eradicated the need to go through an agent for buying a policy which has helped in improving the overall customer satisfaction levels.

Here are the customer satisfaction rankings for auto insurers in the New England region.

J.D. Power 2019 Customer Satisfaction Study New England Region

Amica Mutual has the best ratings in the New England region, followed by State Farm, Geico, and Allstate.

Complaint Numbers of Leading Car Insurance Providers in Vermont

While you’re researching the reviews of auto insurers, you should also browse through the number of complaints against an insurer.

Leading Insurance ProvidersComplaint Numbers
Progressive Group120
Geico333
Liberty Mutual Group222
State Farm Group1482
Allstate Insurance Group163
USAA Group296
Auto-Owners Group31
Travelers Group2
Co-operative Insurance Cos0
Vermont Mutual Group2

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The table presents the country-wide data for complaints against the leading insurers in Vermont.

If you want to search for complaints data of any specific insurer, you can do so through the Consumer Insurance Research section of the National Association of Insurance Commissioners.

Auto Premiums by Insurance Carriers in Vermont

Insurance ProviderAverage Annual PremiumsCompared to State Average (+/-)Percentage Change (+/-)
Allstate F&C$3,190.38-$43.75-1.37%
Geico General$2,195.71-$1,038.42-47.29%
General Ins Co of America$3,621.08$386.9510.69%
Nationwide Mutual$2,128.21-$1,105.92-51.96%
Progressive Northern$5,217.14$1,983.0138.01%
State Farm Mutual Auto$4,382.83$1,148.7126.21%
USAA CIC$1,903.55-$1,330.58-69.90%

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Nationwide Mutual, Geico, and USAA have the cheapest premium rates in Vermont which are below the state average of $3,234.

Auto Insurance Premiums by Commute Rate in Vermont

Insurance Providers10 miles commute/6000 annual mileage25 miles commute/ 12000 annual mileage
Allstate$3,128.84$3,251.92
Geico$2,164.81$2,226.61
Liberty Mutual$3,621.08$3,621.08
Nationwide$2,128.21$2,128.21
Progressive$5,217.14$5,217.14
State Farm$4,243.86$4,521.81
USAA$1,880.95$1,926.15

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If you don’t use your personal car for long drives or to reach the office, you might save some money on premiums because of low mileage.

Allstate, Geico, State Farm, and USAA offer slightly lower rates for drivers clocking fewer miles.

Auto Insurance Rates by Coverage Level in Vermont

Insurance ProvidersLowMediumHigh
Allstate$3,123.87$3,185.94$3,261.33
Geico$2,119.78$2,196.70$2,270.66
Liberty Mutual$3,418.81$3,609.97$3,834.47
Nationwide$2,177.89$2,134.90$2,071.84
Progressive$4,963.11$5,149.50$5,538.81
State Farm$4,151.38$4,404.37$4,592.76
USAA$1,842.12$1,901.10$1,967.43

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Buying the state-mandated minimum liability coverage would cost you the lowest, there’s no doubt about that. But would that be enough for you?

Experts recommend that you should carry more than the minimum coverage required in your state to account for any excessive medical or property damage costs in the event of a severe accident.

Therefore, though you might have to pay higher premiums, you wouldn’t be personally liable if the damages are way too high in an accident.

If you aren’t aware of what to do after an accident, here’s a quick video on the claim filing process.

Auto Insurance Rates by Credit History in Vermont

Insurance ProvidersPoorFairGood
Allstate$3,912.65$2,988.69$2,669.79
Geico$3,552.46$1,870.13$1,164.54
Liberty Mutual$5,426.09$3,096.92$2,340.24
Nationwide$2,455.46$2,038.34$1,890.83
Progressive$5,998.34$5,024.74$4,628.34
State Farm$7,711.07$3,286.98$2,150.46
USAA$2,750.18$1,642.30$1,318.18

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Your credit history is used by auto insurance companies to determine your premium rates – lower your credit score, higher would be your premiums.

As per Consumer Reports, insurance companies create their own proprietary score by picking a few elements from a consumer’s credit record to determine the probability of a consumer getting involved in an accident.

On average, drivers with a poor credit history in Vermont pay $1,298 more annually than those with an excellent record. Surprisingly, drivers who have excellent credit but a DWI on their record pay only $836 more.

In the table above, you can see how most insurers charge almost twice the base rate from auto owners with a poor credit history.

Fortunately, the average credit score of Vermont is better than most states. As per the 2017 State of Credit survey, the average vantage score of Vermont was 702 (among the top ten in America) while the national average was 675.

Auto Insurance Rates by Driving Record in Vermont

Insurance ProvidersClean recordWith 1 accidentWith 1 DUIWith 1 speeding violation
Allstate$2,647.26$3,493.62$3,601.03$3,019.61
Geico$1,412.77$2,353.00$3,276.21$1,740.86
Liberty Mutual$3,184.72$3,811.97$4,044.73$3,442.90
Nationwide$1,704.30$2,187.15$2,749.35$1,872.03
Progressive$4,397.96$6,363.51$4,939.75$5,167.34
State Farm$3,987.31$4,778.37$4,382.83$4,382.83
USAA$1,450.28$1,830.96$2,720.40$1,612.57

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Since the probability of filing a claim is directly proportional to how you drive, your driving record makes an impact on your premiums. An interesting point to note here is that different records are treated differently by insurance companies for calculation.

For instance, some insurers charge the most from drivers with a DWI/DUI record because that indicates callous driving behavior.

Most of the leading insurance companies in Vermont, Allstate, Geico, Liberty Mutual, Nationwide, and USAA, charge a significantly higher premiums from auto owners with a DUI record.

Leading Car Insurance Providers in Vermont

RankInsurance ProvidersDirect Written PremiumsLoss RatioMarket Share
1Progressive Group$63,90158.62%16.99%
2Geico$55,73764.15%14.82%
3Liberty Mutual Group$35,49760.86%9.44%
4State Farm Group$31,45551.03%8.37%
5Allstate Insurance Group$22,76135.62%6.05%
6USAA Group$17,41558.23%4.63%
7Auto-Owners Group$16,86352.25%4.48%
8Travelers Group$15,60064.59%4.15%
9Co-operative Insurance Cos$14,84463.50%3.95%
10Vermont Mutual Group$14,57547.94%3.88%

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Number of Insurers in Vermont

Type of InsurerNumber
Domestic (In-state)12
Foreign (Out-of-state)671

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State Laws in Vermont

The minimum coverage requirements, rules that govern fault in an accident, and the approval process of rates are all determined by state laws.

Whatever the rates are in your state, whether high or low, needs to be approved first by the state insurance department and then put to use. Though the process might differ in each state, the legal system abstains insurers from charging unfair prices.

In these rule books, the state also offers a provision to file a complaint against any wrongdoing or fraudulent activities by insurers or auto owners.

If you own a vehicle, you should keep yourself updated about the basic car insurance laws of your state.

Car Insurance Laws in Vermont

We don’t want you to overload you with information that many never come handy, that’s why we are focusing on a few specific laws related to car insurance that would help you understand how rates are determined as well as be useful in some situations.

How State Laws for Insurance are Determined in Vermont

Since this directly impacts auto owners, we will talk about the tort law, approval of rates, and minimum coverage requirements for car insurance.

In Vermont, which follows the at-fault system, liability in an accident is determined by who was at fault. The at-fault party is responsible to cover the third-party damages through his/her liability coverage.

To regulate rates for car insurance, each state has to adopt one of the regulation mechanisms, which include – determined by Commissioner; prior approval; modified prior
approval; flex rating; file and use; use and file; and no file.

Vermont follows the open competition rate mechanism wherein rates must be filed with the state insurance department, which can be rejected if there’s lack of supporting details.

Under the financial responsibility laws, auto owners must buy minimum liability coverage or a bond with limits of 25/50/10 or buy a self-insurance certificate.

Windshield Coverage Law in Vermont

Windshield coverage isn’t covered in the law of Vermont, and it’s up to the auto insurance companies to offer with comprehensive coverage.

Do consult with your agent before buying coverage because loose gravels can damage your windshield.

High-Risk Car Insurance in Vermont

Did you know that you could be rejected car insurance if you have accumulated a couple of traffic violations or accident records on your driving?

If the probability of your filing a claim is high or you’re considered a high-risk driver, then auto insurers can refuse to offer you coverage.

What can you do in such a situation because driving without coverage is illegal in Vermont?

For high-risk drivers, the state offers the Vermont Automobile Insurance Plan that places all these drivers in a risk pool from which they are assigned an auto insurer.

High-risk drivers have the chance to get coverage for a period of three years with the assigned insurer.

Why would an auto insurer offer coverage to high-risk drivers?

All auto insurance companies, allowed to conduct business in Vermont, are required to offer coverage to a certain percentage of high-risk drivers depending on their market share in the state.

If an insurer covers 10 percent of the auto insurance market, it’s obligated to offer coverage to 10 percent of the high-risk drivers.

The catch is that the auto insurance premiums are quite exorbitant considering the probability of a claim is high. You should try to get back to the voluntary market by improving your record.

Auto Insurance Fraud in Vermont

Amongst the most vulnerable lines prone to insurance fraud, auto insurance is one. As per the estimates of the insurance industry, fraud accounts for around 10 percent of the losses incurred by the property and casualty insurance industry.

Who do you think has to bear the cost of frauds?

The insurance industry passes on the cost of fraud to customers to recover the losses. So, if you see your premiums rising every year, it might be due to the rising number of insurance fraud in your area.

The common types of fraud include, but not limited to, inflating the claim amount, concealing or providing incorrect information on the application form, staging accidents, and submitting claims for accidents that never happened.

As a consumer, it’s your duty to report any fraudulent activity that you come across through the portal of the National Association of Insurance Commissioners.

You can also connect with the Vermont Department of Financial Regulation to file any complaint against an insurance provider by calling 800-964-1784 or e-mailing at [email protected].

Statute of Limitations in Vermont

The laws of every state determine a time limit that allows victims of car accidents to file a lawsuit within that period. A lawsuit beyond the stipulated period isn’t allowed barring a few special circumstances.

The Statute of Limitations in Vermont requires motorists to take legal action within three years after the accident for claiming damages.

Vehicle Licensing Laws in Vermont

Motorists might be under the impression that once they get a driver’s license, there’s nothing much to do after.

But, you have to renew your license on time, and if you fail to do so, you might get a ticket or have to pay a late renewal fee.

Also, you need to be aware of any new regulations related to licensing passed in the legislation.

Let’s look at the regulations and licensing rules in Vermont.

Real ID in Vermont

Although the Real ID Act was established in 2005, it is now that all states have started issuing identification documents that comply with the requirements of the Act.

In the wake of international terrorism and identity theft, the federal government established a new regulation to check the authenticity of identification documents issued by each state.

From October 1, 2020, everyone would be required to use a Real ID-compliant document (state ID or driver’s license) to enter certain federal facilities and travel by a commercial flight.

Alternatively, you can use a federal document, such as a passport, to access these facilities.

Here’s a short video from the Vermont Department of Motor Vehicles explaining how Real ID works.

Current Driver’s License or State ID holders:

New applicants can get a Real ID-compliant document if they satisfy the criteria or bring the required documentation. Existing ID or DL holders would have to visit their nearest DMV location to get a new document that’s Real ID marked.

To get a Real ID document, everyone must show proof of Vermont residency, social security number, lawful status in the US, proof of identity, and date of birth. Do browse through the Real ID checklist.

Penalties for Driving without Insurance in Vermont

Since it’s illegal to drive without auto insurance in Vermont, you could be subjected to fines and license suspension when caught without adequate coverage.

The fines for violation can range between $250 and $500 and your license could be suspended until you furnish proof of financial responsibility.

Teen Driver Laws in Vermont

For teens, the feeling of driving by themselves is exhilarating, with no adults to keep a check on their driving speed or braking pattern.

And, that can be really stressful for parents because teens can be dangerous drivers at times.

The Graduated Driver’s License Program for young drivers under 18 was introduced to ensure that teens have enough practice and supervision before they can be allowed to drive alone.

Let’s look at the process of getting a license for young drivers. Also, check the parent’s guide for supervised driving.

Read More: How to Teach Your Teen to Drive

Learner’s Permit: To get a learner’s permit, an individual must be 15 or above and has to follow a few rules to successfully move to the next stage.

  • Must complete 40 house of driving, including 10 hours of nighttime driving
  • Must be accompanied by a licensed adult above 25, or a parent/guardian or a driving instructor
  • Must maintain a clean driving record, without any recalls, revocations, or suspensions for six months before applying for the Junior Driver’s License

Junior Driver’s License: When a teen completes one year driving with a learner’s permit and is at least 16, he/she becomes eligible for a Junior Driver’s License. The following rules apply at this stage:

  • Must pass a state-approved driver’s training education with 30 hours of in-classroom study, six hours of road practice, and six hours of observation.
  • Must not carry passengers for hire during this stage
  • In the first three months of driving, teens can only drive with a parent/guardian or a driving instructor or a licensed adult above 25
  • In the next three months, teens can drive with family members
  • After the completion of six months under the Junior Driver’s License, teens can drive with anyone

Driver’s License: Once a teen is 18, he/she is eligible to apply for a full Driver’s License. There shouldn’t be any recalls, revocations, or suspensions in the previous six months before applying for a full license.

Do remember that the learner’s permit and junior driver’s license are subject to recalls if you carry passengers for hire, drive for employment, accumulate points, violate passenger numbers and age restrictions, and get a recommendation from a diversion/reparative board.

Do watch this short video to get some tips on teen driver safety.

License Renewal Procedure in Vermont

Motorists in Vermont have the option to renew their license after two or four years for which they’re notified by mail 30 days before the expiry date.

Renewals by mail are allowed if the photograph on the license was taken in the last four years.

Since Vermont has started issuing Real ID-compliant licenses, it’s recommended to get one by visiting your local DMV office.

New Residents in Vermont

When you move to Vermont, you would need to apply for a local driver’s license within 60 days of your move by proving your residency in the state and surrendering your out-of-state license.

The new Vermont license would be mailed to you within 7-10 business days of your application.

Rules of the Road in Vermont

If you’re careless while driving and jump a red light or violate the speed limit rule, you might get fined and accumulate points.

And, that can lead to an increase in your premium rates. We will cover some basic rules of the road to brush up your knowledge.

Seat Belt and Car Seat Laws in Vermont

State laws in Vermont require every passenger in a vehicle to wear seat belt irrespective of their position.

For passengers under 18, the following car seat laws apply:

  • Below the age of one and under 20 pounds: Infants should be restrained in a rear-facing car seat which is federally-approved
  • Between one and eight years old: All children up to the age of eight should be placed in a child passenger restraining system
  • Between eight and 17 years old: When children outgrow their car seats, they should be restrained by a seat belt

On the first violation, the fine is $25 which increases to $50 for a second violation and to $100 for subsequent violations.

Keep Right and Move Over Laws in Vermont

Drivers are required by the law to drive on the right side of the road and can use the left lane only under the following circumstances:

  • When you’re passing or overtaking another vehicle
  • When there’s an obstruction on the road that requires you to move to the left lane
  • When preparing to take a left turn or to enter a private road
  • When official traffic-control devices allow the use of left-lanes

The move over law in Vermont requires motorists to change lanes when approaching a stationary vehicle which might include an ambulance, fire fighting vehicle, tow truck, law enforcement or a repair vehicle.

Speed Limits in Vermont

Type of RoadSpeed Limits
Rural Interstates65 mph
Urban Interstates and Freeways55 mph
Other Limited Access Roads and Highways50 mph
Residential Areas25-50 mph
School Zones15-25 mph

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Ridesharing in Vermont

Last year, Vermont signed a bill to regulate the operations of ridesharing companies such as Uber and Lyft. Vermont was pretty late in the game to bring a legislation for Transport Network Companies or TNCs.

The new law laid-out insurance requirements and background checks for those planning to become drivers in these companies.

Automation on the Road in Vermont

When it comes to testing autonomous vehicles on the road, Vermont is conducting its own research about the future prospects and challenges with driverless vehicles.

The state doesn’t have any regulation as of now that allows testing, but it might soon join other states and contribute to the overall benefits by allowing testing in a rural setting.

Safety Laws in Vermont

There’s absolutely no excuse that can justify distracted driving or driving under the influence of alcohol or drugs.

Usually, law enforcement officers are pretty harsh with motorists who risk it for everyone by being careless on the roads. Therefore, it’s recommended to avoid engaging in other activities while driving.

DUI Laws in Vermont

A person shouldn’t drive or attempt to drive a motor vehicle if the Blood Alcohol Level (BAC) is 0.08 percent or higher. The BAC limit for commercial drivers is 0.04 percent and 0.02 percent for school bus drivers.

If you violate the DUI laws, you could face penalties and jail time.

PenaltyFirst OffenseSecond OffenseThird Offense
PrisonUp to two yearsMinimum prison time of 60 hours (Up to two years) or community service of 200 hoursMinimum prison time of 96 hours (Up to five years)
FineUp to $750Up to $1,500Up to $2,500
Suspension of License90 days18 monthsLifetime

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In addition, an ignition interlock device would be installed in your car to control your driving behavior. For a BAC of more than 0.16 percent after the second conviction, there are enhanced penalties.

Do remember that if you’re involved in an accident while driving under the influence of alcohol, that leads to injury or death, you could be imprisoned for up to 15 years.

Distracted Driving Laws in Vermont

Laws in Vermont prohibit drivers to use a portable electronic device for texting or calling while the vehicle is in motion.

Violation of the handheld ban can lead to fines in the range of $100 to $500.

Driving in Vermont

Until now, we looked at information that can help you in buying auto insurance thoughtfully and keeping your driving behavior in check so that your premium rates aren’t raised by providers.

In this section, we will look at some facts and figures that impact the driving experience in your state.

Vehicle Theft in Vermont

RankMake & ModelYear of VehicleThefts
1Chevrolet Pickup (Full Size)200115
2Ford Pickup (Full Size)20108
2Honda Accord20028
4Hyundai Elantra20157
5Honda Civic20056
5Subaru Legacy19996
7Ford Pickup (Small Size)20025
7GMC Pickup (Full Size)20075
7Nissan Sentra20125
7Subaru Impreza20025

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From the data, it seems that pick-up trucks are quite favored by thieves, or maybe these vehicles are found in more numbers across Vermont.

If you want to see theft data by city, you can look at the table below sourced from the FBI.

CityMotor
Vehicle
Theft
Barre0
Barre Town0
Bellows Falls0
Bennington18
Berlin1
Bradford0
Brandon0
Brattleboro15
Bristol0
Burlington0
Chester2
Colchester0
Dover1
Essex12
Hardwick0
Hartford7
Hinesburg1
Ludlow0
Lyndonville0
Manchester0
Middlebury0
Milton0
Montpelier0
Morristown0
Newport0
Northfield2
Randolph0
Richmond0
Rutland9
Rutland Town1
Shelburne2
South Burlington0
Springfield0
St. Albans0
St. Johnsbury0
Stowe0
Swanton0
Thetford0
Vergennes0
Weathersfield1
Williston0
Wilmington1
Windsor0
Winooski0
Woodstock0

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Road Fatalities in Vermont

Road accidents are inevitable, but you can be cautious while driving if you’re aware of the common reasons leading to fatal crashes in your state.

Let’s look at some crash numbers from the National Highway Traffic Safety Administration.

Most Fatal Highways in Vermont

Though you should drive safe everywhere, you should be extra cautious of US-7 highway since it’s the most dangerous in the state. This highway has seen over 50 crashes in the last ten years.

Fatal Crashes by Weather Condition and Light Condition in Vermont

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal324133052
Rain302005
Snow/Sleet101103
Other001102
Unknown001001
Total364185063

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Fatalities (All Crashes) by County in Vermont

County20132014201520162017
Addison County41368
Bennington County24352
Caledonia County11423
Chittenden County59968
Essex County12212
Franklin County621064
Grand Isle County01022
Lamoille County42232
Orange County64200
Orleans County73237
Rutland County9710107
Washington County44258
Windham County101386
Windsor County1035510

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Franklin, Rutland and, Windsor county have seen the maximum number of fatalities from crashes over the years.

Traffic Fatalities by Road Type in Vermont

Type of Road2008200920102011201220132014201520162017
Rural60685442635837485256
Urban13617131411791013

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Fatalities by Person Type in Vermont

Person Type20132014201520162017
Passenger Car3218202830
Light Truck - Pickup53227
Light Truck - Utility11410158
Light Truck - Van32100
Large Truck11101
Other/Unknown Occupants53212
Total Occupants5732374648
Bus01000
Light Truck - Other00100
Total Motorcyclists77111113
Pedestrian55548
Total Nonoccupants55958
Bicyclist and Other Cyclist00410
Total6944576269

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Fatalities by Crash Type in Vermont

Crash Type20132014201520162017
Total Fatalities (All Crashes)6944576269
Single Vehicle4428344538
Involving a Large Truck8118710
Involving Speeding1815212931
Involving a Rollover151271914
Involving a Roadway Departure6233444949
Involving an Intersection (or Intersection Related)1056614

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Fatalities Trend for the Top 10 Counties of Vermont

Vermont Counties by 2017 Ranking20132014201520162017
Windsor County1035510
Addison County41368
Chittenden County59968
Washington County44258
Orleans County73237
Rutland County9710107
Windham County101386
Franklin County621064
Caledonia County11423
Bennington County24352
Top Ten Counties6540515763
All Other Counties44656
All Counties6944576269

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Fatalities Involving Speeding by County in Vermont

County20132014201520162017
Addison County01016
Bennington County02011
Caledonia County01200
Chittenden County24315
Essex County11111
Franklin County20622
Grand Isle00001
Lamoille County10030
Orange County21100
Orleans County32034
Rutland County02652
Washington County20143
Windham County41151
Windsor County10035

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Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC=.08+) by County in Vermont

County20132014201520162017
Addison County00201
Bennington County02131
Caledonia County00220
Chittenden County21123
Essex County10001
Franklin County21441
Grand Isle00010
Lamoille County10031
Orange County40100
Orleans County22003
Rutland County32252
Washington County10110
Windham County20041
Windsor County10023

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Teen Drinking and Driving in Vermont

Teens aren’t allowed to drive after drinking and there’s absolutely no tolerance for underage drunk driving in Vermont.

In Vermont, the under 21 drunk driving fatality rate was 0.7 per 100,000 people, while the national average was 1.2 in 2016.

EMS Response Time in Vermont

Type of RoadTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Total Fatal Crashes
Rural3.3011.9037.3751.1352
Urban1.89 5.7022.0029.1311

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Transportation in Vermont

Office commutes are longer when everyone prefers to drive alone to work. And, that also leads to traffic congestions.

With a rural and picturesque setting, driving could hardly ever be a pain in the Green Mountain state, but let’s see if Vermont has traffic congestions or not.

Car Ownership in Vermont

On average, most households own two cars, followed by three cars in Vermont. As illustrated in the graph above by Data USA, the car ownership pattern resonates with the national average (represented in grey).

Commute Time in Vermont

Employees spend less time commuting to work in Vermont than the rest of the country. On average, the commute time is 21.6 minutes whereas the national average is 25.5 minutes.

Commuter Transportation in Vermont

Almost 74.9 percent of the population drives alone to work, and only 9.17 percent of people carpool. Across the country, the majority of people prefer to drive alone to work.

Now that you have gone through the whole guide, you can start comparison shopping today by entering your zip code below in our FREE online tool.

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