Enter your ZIP code:

Vermont Car Insurance

According to the Vermont Department of Insurance, a recent survey indicated that rates for Vermont car insurance amongst different companies varied by up to 50 percent—for virtually the same coverage!

But how can you find the right Vermont car insurance for a price you can afford?

Since 1993, InsureMe has been helping consumers find the right insurance to fit their needs. By entering your information to the right, we will provide you with up to five free quotes on Vermont car insurance.

Let InsureMe put money back in your pocket. Get your free quotes today.


Get the Facts on Vermont Car Insurance

The State of Vermont requires all motorists to carry Vermont car insurance. Read on to learn what coverage is required for you to drive, what kinds of coverage are optional for you and how your premium will be determined.

Mandatory Coverage

Under Vermont law, every motorist is required to carry liability and uninsured/underinsured motorist coverage.

Liability

Liability coverage protects you from injuries and damages to other people and property as a result of your negligent driving. It also protects others driving the insured car, as long as they had your permission to use it.

The minimum liability limits covered under Vermont car insurance are 25/50/10, or:

  • $25,000 for bodily injury or death per person
  • $50,000 for bodily injury or death per accident
  • $10,000 for property damage per accident

Remember that these amounts represent the minimum limits set by the State of Vermont, and that these amounts would be the maximum amount of money your Vermont car insurance company would pay out if you were responsible for an accident.

Bear in mind that whatever the company does not pay out will come from your pocket—so you may want to consider purchasing more than the minimum liability amounts.

Uninsured/Underinsured Motorist

So suggests the name, uninsured/underinsured motorist coverage protects you from damages resulting from an accident with an uninsured or underinsured driver. The minimum limits you must carry are 50/100/10, or:

  • $50,000 for bodily injury or death per person
  • $100,000 for bodily injury or death per person
  • $10,000 for property damage per accident (subject to a $150 deductible)

Optional Coverage

There are other forms of coverage that you may add to your Vermont car insurance to optimize your protection.

Collision

Collision coverage covers physical damage to your car resulting from a car accident. Premiums for collision coverage are based on the year, make and model of your car. You may be required to carry collision coverage with your Vermont car insurance if you have financed your car.

Comprehensive

Comprehensive coverage covers physical damage caused by events other than collision. These events might include flood, hail, earthquake, fire, theft, vandalism and falling objects.

Medical Payments

A medical payment portion can also be added to your Vermont car insurance. Medical payments would cover the medical expenses of you and your passengers after an accident, regardless of who was at fault. It also covers members under the following circumstances:

  • While the members are passengers in someone else's car
  • When the members are using public transportation
  • If the members are stuck as pedestrians

The broad coverage and no deductible make this a valuable protection to include in your Vermont car insurance.

Rates for Vermont Car Insurance

According to the Vermont Department of Insurance, insurance rates in the state are not regulated. This means prices and premium cost may vary from company to company. Your premium rate will be determined by your classification rating, which is essentially a value judgment on how risky an investment you are to your Vermont car insurance company.

Your classification rating will be determined by some of the following factors:

Driving Record—if you have had no accidents or traffic violations in three years (or up to five years, depending on the company), you will receive a lower premium than those with negative marks.

Where You Live—residents living in urban areas are statistically at a higher risk for accident and theft and will therefore pay higher premiums for Vermont car insurance.

Who Drives the Car—the age, sex and driving experience of the drivers in your household will affect your premium.

Use of the Car—driving excessive distances to work or school increases your risk for accident, therefore, you may pay more for Vermont car insurance.

Make and Model of the Car—insurers will use data such as the price of your car when new, repair cost and how popular the car is with crooks to determine your car's "experience rating", which will affect how much you pay for Vermont car insurance.

Be sure your agent discusses these factors with you before purchasing Vermont car insurance. And as always, check your premiums with other companies in your area by using InsureMe's free referral service.

Find Affordable Vermont Car Insurance with InsureMe!

Stop paying those overpriced premiums and find the right Vermont car insurance for you. Just enter your information to the right and receive up to five free quotes on Vermont car insurance today!


Car Insurance Free Quotes!  

Home Insurance Free Quotes!   

Health Insurance Free Quotes!   
Life Insurance Free Quotes!   
List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10902
101 Wyoming Auto Insurance youcomparequotes 10799
100 Wisconsin Car Insurance youcomparequotes 10423
99 Wisconsin Auto Insurance youcomparequotes 10507
98 West Virginia Car Insurance youcomparequotes 11425
97 West Virgina Auto Insurance youcomparequotes 10371
96 Washington, D.C. Car Insurance youcomparequotes 12025
95 Washington, D.C. Auto Insurance youcomparequotes 11054
94 Washington Car Insurance Quotes youcomparequotes 11535
93 Washington Auto Insurance Quotes youcomparequotes 11199
92 Virginia Car Insurance youcomparequotes 10866
91 Virginia Auto Insurance Quotes youcomparequotes 10879
» Vermont Car Insurance youcomparequotes 13114
89 Vermont Auto Insurance youcomparequotes 10151
88 Utah Car Insurance youcomparequotes 10810
87 Utah Auto Insurance youcomparequotes 10614
86 Texas Car Insurance Quotes youcomparequotes 10837
85 Texas Auto Insurance Quotes youcomparequotes 10835
84 Tennessee Car Insurance youcomparequotes 10444
83 Tennessee Auto Insurance youcomparequotes 11018
82 South Dakota Car Insurance youcomparequotes 10680
81 South Dakota Auto Insurance youcomparequotes 9956
80 South Carolina Car Insurance youcomparequotes 10875
79 South Carolina Auto Insurance youcomparequotes 10752
78 Rhode Island Car Insurance youcomparequotes 10228
77 Rhode Island Auto Insurance youcomparequotes 10601
76 Pennsylvania Car Insurance Quotes youcomparequotes 10930
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11431
74 Oregon Car Insurance Quotes youcomparequotes 11086
73 Oregon Auto Insurance Quotes youcomparequotes 10741
72 Oklahoma Car Insurance youcomparequotes 10789
71 Oklahoma Auto Insurance youcomparequotes 10760
70 Ohio Car Insurance Quotes youcomparequotes 10491
69 Ohio Auto Insurance Quotes youcomparequotes 10416
68 North Dakota Car Insurance youcomparequotes 10497
67 North Dakota Auto Insurance youcomparequotes 10893
66 North Carolina Car Insurance youcomparequotes 14199
65 North Carolina Auto Insurance youcomparequotes 11181
64 New York Car Insurance Quotes youcomparequotes 10415
63 New York Auto Insurance Quotes youcomparequotes 11396
62 New Mexico Car Insurance youcomparequotes 9871
61 New Mexico Auto Insurance youcomparequotes 9990
60 New Jersey Car Insurance youcomparequotes 10219
59 New Jersey Auto Insurance youcomparequotes 10358
58 New Hampshire Car Insurance youcomparequotes 11270
57 New Hampshire Auto Insurance youcomparequotes 10883
56 Nevada Car Insurance youcomparequotes 10593
55 Nevada Auto Insurance youcomparequotes 10626
54 Nebraska Car Insurance youcomparequotes 10287
53 Nebraska Auto Insurance youcomparequotes 11252
52 Montana Car Insurance youcomparequotes 10312
51 Montana Auto Insurance youcomparequotes 10454
50 Missouri Car Insurance youcomparequotes 10612
49 Missouri Auto Insurance youcomparequotes 10510
48 Mississippi Car Insurance youcomparequotes 10922
47 Mississippi Auto Insurance youcomparequotes 10829
46 Minnesota Car Insurance Quotes youcomparequotes 11058
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11163
44 Michigan Car Insurance youcomparequotes 10246
43 Michigan Auto Insurance youcomparequotes 9976
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17285
41 Massachusetts Auto Insurance Reform youcomparequotes 11063
40 Maryland Car Insurance youcomparequotes 11269
39 Maryland Auto Insurance youcomparequotes 11287
38 Maine Auto Insurance youcomparequotes 10937
37 Louisiana Car Insurance youcomparequotes 11236
36 Louisiana Auto Insurance youcomparequotes 10585
35 Kentucky Car Insurance youcomparequotes 10686
34 Kentucky Auto Insurance youcomparequotes 10403
33 Kansas Car Insurance youcomparequotes 10227
32 Kansas Auto Insurance youcomparequotes 10657
31 Iowa Car Insurance youcomparequotes 10521
30 Iowa Auto Insurance youcomparequotes 10536
29 Indiana Car Insurance youcomparequotes 10489
28 Indiana Auto Insurance youcomparequotes 10454
27 Illinois Car Insurance youcomparequotes 10471
26 Illinois Auto Insurance youcomparequotes 10117
25 Idaho Car Insurance youcomparequotes 10340
24 Idaho Auto Insurance youcomparequotes 10425
23 Hawaii Car Insurance youcomparequotes 10772
22 Hawaii Auto Insurance youcomparequotes 10859
21 Georgia Car Insurance youcomparequotes 10079
20 Georgia Auto Insurance Quotes youcomparequotes 10973
19 Florida Car Insurance Quotes youcomparequotes 12473
18 Florida Auto Insurance Quotes youcomparequotes 10414
17 Find Maine Car Insurance youcomparequotes 10381
16 Delaware Car Insurance youcomparequotes 10672
15 Delaware Auto Insurance youcomparequotes 10550
14 Connecticut Car Insurance youcomparequotes 10467
13 Connecticut Auto Insurance youcomparequotes 10294
12 Colorado Car Insurance Quotes youcomparequotes 10478
11 Colorado Auto Insurance youcomparequotes 10031
10 California Car Insurance Quotes youcomparequotes 10974
9 California Auto Insurance Quotes youcomparequotes 11116
8 Arkansas Car Insurance youcomparequotes 11315
7 Arkansas Auto Insurance youcomparequotes 10651
6 Arizona Car Insurance Quotes youcomparequotes 10605
5 Arizona Auto Insurance youcomparequotes 11040
4 Alaska Car Insurance youcomparequotes 10789
3 Alaska Auto Insurance youcomparequotes 11580
2 Alabama Car Insurance youcomparequotes 10259
1 Alabama Auto Insurance youcomparequotes 10765
XE Login