As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Vermont Auto Insurance and COVID-19

Update 5/19/20

Vermont has provided consumers with a list of companies offering premium credits, dividends, or rate relief plans.

Find the lowest car insurance rates in two minutes

Get Quotes

 

Can drivers find sweet car insurance rates in the state of maple syrup and Ben & Jerry’s?

Anyone who’s been to Vermont understands why Vermonters love their state: majestic mountains, sparkling blue lakes, and old-growth forests make Vermont’s natural beauty hard to beat. Couple that with quality healthcare plus a ton of job opportunities and It’s no wonder Vermont is one of the most popular states to move to right now. 

If you’re planning to move to the state of Freedom and Unity, or you’re a native, it’s a great idea to read on: the path to getting cheap auto insurance rates await you. 

No time to wait? Head to Insurify right now and unlock 6+ real car insurance quotes in two minutes. 

Cheapest Car Insurance Quotes in Vermont

Here are the cheapest insurance companies in Vermont for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Vermont.

Insurance CompanyQuotes
Allstate$47/month
GEICO$53/month
State Farm$63/month
Travelers$87/month
American Family$127/month

Best Car Insurance Quotes in Vermont

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Vermont. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
American Family88$127/month
GEICO87$53/month
Allstate86$47/month
State Farm83$63/month
Travelers81$87/month
Liberty Mutual80$129/month

Most Popular Car Insurance Companies in Vermont

We used data gathered by the Insurance Information Institute (III) to understand which car insurance companies are most popular with Vermonters. The III measured the amount earned on car insurance premiums by every car insurance company in one year. 

The amount earned in comparison to the total insurance market is called market share. The more sales a company earned, the higher its market share, and the more ‘popular’ the company. 

According to the III, these are the most popular car insurance companies in Vermont by market share: 

  • Progressive
  • GEICO
  • Liberty Mutual
  • State Farm
  • Allstate

Cheapest Car Insurance Quotes in Vermont by City

Wherever you go, there you are…with a different price quoted by your insurance company. If you changed towns before, you’ve probably noticed the difference in your cost for insurance. Why do insurance companies adjust their rates? 

It’s based on a few factors, including the following location-based variables:

  • Claim rates
  • Crime rates
  • Traffic patterns
  • Road conditions

If you familiarize yourself with average rates in an area before you move there, you can save yourself a ton of money. Here are the lowest rates for the five most populous cities in Vermont:

CityInsurance CompanyQuotes
BurlingtonState Farm$83/month
South BurlingtonState Farm$82/month
Colchester GEICO$55/month
RutlandAllstate$47/month
Essex JunctionGEICO$55/month

Cheapest Car Insurance Quotes in Vermont by Profile

Here are the cheapest insurance companies in Vermont based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.

Whatever your situation, comparison shopping for cheap auto insurance quotes in Vermont is made easy by using Insurify. Two minutes to 6+ real quotes can save you hundreds a year—on average $489! 

Cheap Car Insurance for Vermont Drivers with a DUI

If you’ve been caught driving under the influence in Vermont, anything 0.08 percent and higher BAC, then you know how tough the fallout is—and how expensive. Costs include:

  • Up to $750 in fines
  • $160 in court fees
  • Up to two years in jail
  • Possible lower limits on BAC for up to three years
  • A 90-day driver’s license suspension
  • Ignition interlock device use for a minimum of six months
  • Alcohol and driving education program requirement
  • Alcohol screening and treatment may be required
  • Increased car insurance premiums
  • Remains on record for life

Yes, that is a lot, but it can be dealt with.

First, thank your lucky stars that no one was hurt, and please take this opportunity to do some soul searching. Recovering your life after a DUI takes patience and courage, but it is 100 percent possible for you. 

Now, tackle those premiums head-on. Exhaust all discount programs currently available, comparison shop for car insurance at least every six months, and consider downsizing your vehicle to one less expensive to keep.

Here are the lowest car insurance quotes we could find for Vermont drivers with a DUI:

Insurance CompanyQuotes
Concord Group$34/month
USAA$36/month
Progressive$41/month

Cheap Car Insurance for Vermont Drivers with Speeding Tickets

Speeding tickets can be sneaky. Just one doesn’t look like much, and it may not affect your rates right away. However, it will disbar you from getting a good or safe driver discount. 

Plus, if you keep the pedal to the metal, those tickets will increase your premiums big time, over time. Costing you thousands in the end if you can’t slow down. 

Learn to take it slow: keeping a clean driving record is the best way to get lower car insurance rates in the future. A great way to do this—and get a discount on your car insurance in the process—is by enrolling in a telematics program that monitors you for safe driving behavior. 

Just make sure it’s approved by your insurance company

The cheapest car insurance quotes we could find for Vermonters with speeding tickets are:

Insurance CompanyQuotes
USAA$21/month
Cooperative$23/month
Concord Group$23/month

Cheap Car Insurance for Vermont Drivers with an At-Fault Accident

An at-fault accident is one of the most common ways a driver can experience a big increase in car insurance rates. Lowering those costs can be pretty tricky, but it is possible. Here are some options to consider:

  • Dropping collision coverage or comprehensive coverage if possible
  • Use paperless, automatic, and/or pay-in-full discounts
  • Low-mileage programs
  • Employer or affiliate-based discounts 

It’s also very important to shop around as different companies will calculate your risk differently, especially over time. For example, one company may use a look-back period of three years while another has a look-back period of five. 

These are the cheapest car insurance quotes we found for Vermont drivers with an at-fault car accident: 

Insurance CompanyQuotes
USAA$25/month
Concord Group$27/month
Vermont Mutual$28/month

Cheap Car Insurance for Young Vermont Drivers

As a new driver, you may be shocked to learn how expensive your car insurance policy is. Rates are higher for young drivers because they are statistically more likely to be in an accident. It may not seem fair, but all the drivers who came before you also paid a youth tax in insurance premiums, so you’re in good company. 

The best way to keep rates low is to comparison shop premiums before you choose your car. This way you get a car you know you can afford to keep. After you’ve chosen wisely, consider these discounts:

  • Defensive driving course
  • Good student
  • Telematics program

Here are the best car insurance rates we could find for young Vermont drivers:

Insurance CompanyQuotes
USAA$16/month
Concord Group$22/month
Cooperative $23/month

Vermont State Insurance Laws

State Minimum Car Insurance Coverage in Vermont

Understanding car insurance requirements is key to getting the best coverage at the best rate. Remember that minimums are named minimum for a reason. You may need to carry higher limits depending on your specific situation. 

The Vermont car insurance requirements are:

  • $25,000 Bodily injury liability coverage per person 
  • $50,000 Bodily injury liability coverage per accident
  • $10,000 Property damage liability coverage
  • $50,000/$100,000 uninsured motorist bodily injury coverage
  • $10,000 Uninsured motorist property damage coverage

That final requirement may or may not have a $150 deductible depending on the coverage options you choose. Be sure to speak with your insurance agent if you have any questions. 

Do I Need Underinsured Motorist Protection In Vermont?

Most drivers will only carry the minimum amount of insurance required by the state, so you should ask yourself this: will minimum insurance cover me in a loss? If you:

  • Drive a vehicle worth more than $10,000
  • Drive a vehicle without added safety features (higher likelihood of severe injury)
  • Often drive with passengers

…then you are at a higher risk of loss due to being hit by an underinsured driver. 

If your expensive vehicle is totaled, for example, you stand to lose it’s worth minus that $10,000 check from the insurance company. And that amount gets smaller if any other property was damaged by the at-fault driver.

While you can sue for damages that are left unpaid, there is no guarantee you’ll receive what you’re awarded. The best way to protect yourself, your loved ones, and your property is to add underinsured motorist coverage to your insurance policy

What Is the Penalty for Driving Without Insurance in Vermont?

Driving without insurance is taken very seriously in Vermont. As such, penalties are expensive and extensive:

  • Up to $600 in fines 
  • Points on your license as decided by the judge
  • Possible license suspension
  • SR-22 maintenance for 3 years

You’ll also likely see an increase in your insurance premium due to the lapse in coverage and the points added to your license.

Can I Use a Digital Insurance Card in Vermont?

Yes, you can use a digital device such as a cell phone or tablet to provide proof of insurance during a traffic stop or after a car accident in Vermont. However, if that digital device runs out of battery or breaks, drivers still must show proof of insurance or face fines. That’s why we recommend keeping a hard copy in your glove box. 

Failing to show proof of insurance at a traffic stop results in a $100 fine even if you were legally insured at the time.

What are the Child Passenger Laws in Vermont?

All children 18 and under must wear either a safety belt or approved child restraint system. Children aged 12 and younger must ride in the backseat. Children ages eight and under must use a booster seat or other child restraint appropriate to their height and weight.

Children under the age of one must ride in a rear-facing car seat, and it is recommended that they stay in a rear-facing car seat until the age of two—longer if appropriate for their size.

This is a primary law, meaning drivers can be pulled over solely because a child is not restrained. Violation of child passenger laws comes with a $25 minimum fine. 

What is the Penalty for Driving Without a Seatbelt in Vermont?

Everyone riding in a vehicle in Vermont, whatever age and whether in the front or back seat, must wear a safety belt properly. Seat belt laws for adults are treated as a secondary offense, meaning drivers must be pulled over for another violation before receiving a seatbelt ticket. 

The penalty is a $25 minimum fine. 

Can I Use My Cell Phone While Driving in Vermont?

Teen drivers—drivers under the age of 18—are prohibited from using any portable electronic device while driving. Adult drivers may use handheld electronic devices if those devices are equipped with hands-free technology. 

Texting may be done legally if hands-free technology is used. However, all distracted driving, even hands-free, increases the risk of an accident. 

What is the Penalty for Violating Cell Phone Laws in Vermont?

The penalty for violating cell phone laws in Vermont is:

  • $100-200 fine for a first offense
  • $250-500 fine for a second offense within two years

Depending on where you were caught using your cell phone while driving in Vermont, up to four points may be added to your license. Points remain on your driving record (and affect your insurance premiums) for at least two years.

Which Companies Offer SR-22 Insurance in Vermont?

SR-22s are documents filed on your behalf to the DMV to provide regular proof of insurance. In Vermont, an SR-22 must be filed by an insurance company, not an insurance agent. 

Companies that will file an SR-22 for you include Dairyland, Esurance, Farmers, GEICO, The General, National General, Merchants, Patriot, Progressive, Safeco, Ameriprise, and Bristol West.

What Are Road Conditions Like in Vermont?

Get ready for mountain driving if you’re planning to move to Vermont. Learning how to drive properly in very hilly conditions will be key to driving safely. You should also be prepared for less-than-stellar rural roads, as 24 percent of them are in poor condition, according to TripNet. 

If you have no experience with winter driving, you should also research and learn how to drive safely in the snow. It snows in some places of Vermont an average of 20 feet over the winter, so this is a must. You should also talk to your car manufacturer, your dealership, or local tire shop about snow tires, studded tires, and snow chains. 

Lastly, due to conditions, cars with rear-wheel drive are not the best option for most Vermont driving. If you have one, you may want to trade it in for a car better suited to conditions there. The most popular car in Vermont is the Subaru Legacy, according to our research. 

How do I get the cheapest car insurance in Vermont?

Here is the best way to find the best car insurance rate for you:

Make a list of the minimum coverages you need to protect yourself. Remember, this may be more than the state minimum coverage requirements

Make a list of must-haves and nice-to-haves when it comes to your car insurance companies. Do you need to be able to access your information through an app? Do you prefer an in-person insurance agent? That information goes here.

Make a list of car insurance discounts you qualify for or you have a good chance of qualifying for. 

Comparison shop car insurance companies, gathering quotes from each.

Make a note of companies that offer the must-haves and discounts that are on your list. 

Choose the best car insurance company for you based on the price and perks the company offers. 

You may just want the cheapest price, period. And that’s fine. But when you’re choosing between two companies of a very similar price, knowing your preferences will help you choose. 

Remember that a company may be initially more expensive, but cheaper than the rest once you apply discounts. 

Vermont DMV Information

You’ll be required to complete several important tasks when you move to Vermont, so be sure to do so within the allotted time. This includes:

  • Change your out-of-state license within 30 days
  • Transfer your vehicle registration within 60 days
  • Transfer the registration of all recreational vehicles within 60 days

When you transfer your valid or less-than-one-year expired license to Vermont, you will still be required to complete an eye exam. To transfer your license, you’ll need to provide proof of:

  • Identity
  • Lawful status in the U.S.
  • Social security number
  • Vermont residency (your new address)

While you will need to do this at the Department of Motor Vehicles your first time around, you can use the online services to make an appointment. After everything is transferred, you can do many things online with the Vermont DMV, including:

  • Renew registrations
  • Change your address
  • Replace registration
  • Reinstate your license or registration

Conclusion

Saving green in the Green Mountain State is a breeze. 

No one enjoys paying premiums for insurance, but there is a way to make it quick, painless, and as cheap as possible: use Insurify

Quickly compare your real quotes and adjust auto insurance coverage options to understand the full range of what’s available to you right now. 

Uncover cheap car insurance quotes today!

Score savings on car insurance with Insurify

Compare Quotes

Updated May 19, 2020

J.J. Starr is a financial copywriter and enjoys helping readers find the information they need. In addition to her background in banking and financial advising, she is also a poet with an MFA from New York University. She lives in Amherst, Massachusetts. You can learn more at jjstarrwrites.com.