Car Insurance in Vermont
1. FAST 2. COMPARE 3. $AVE Fill out a quote form about you and your vehicles Instantly get free quotes from top car insurance companies Choose from the lowest rate policies and save hundreds
Enter your Zip Code below to get a Free Quote. We suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase.
- $25,000 for injury/death to any one person
- $50,000 for injuries/deaths for two or more people
- $10,000 for damages to property in any one accident
- $50,000 for injury/death to any one person
- $100,000 for injuries/deaths for two or more people
- $10,000 for damages to property in any one accident
- When you register your vehicle.
- When you get your vehicle inspected.
- If you are involved in an accident.
- If a law enforcement officer pulls you over.
- The name of your insurance carrier.
- The effective and expiration dates of coverage.
- Your name, as the insured.
- Your vehicle’s description, including the identification number.
- The limits of liability (or a statement that your policy covers the minimum liability insurance required by VT law).
- The required payment of a fine.
- Additional points against your driving privileges or license.
- The requirement to file financial responsibility insurance with the state DMV (see below for more details).
- An accident.
- Driving under the influence of alcohol or drugs.
- Fleeing a collision.
- Driving in such a reckless manner that it results in the death of another person.
- Driving while your license is suspended.
Vermont Car Insurance
Any resident of Vermont required to have a driver’s license to operate a vehicle must also be able to take financial responsibility should an auto accident take place. More simply, you must be able to prove you could financially cover the cost of damages. To fulfill this financial responsibility law, many residents opt for liability insurance.
Ways to Establish Financial Responsibility
Purchasing car insurance is the most common way of establishing financial responsibility.
Vermont Liability Insurance Requirements for Private Passenger Vehicles
If opting for liability insurance sounds best to you, be sure you purchase a policy that at least meets the state minimums:
You are also required to purchase uninsured/underinsured motorist coverage to help protect you against uninsured or underinsured drivers. The minimum limits for uninsured/underinsured coverage are:
Before you decide to buy a specific policy be sure you have researched the various types of coverages. It might be that the value of the assets you wish to protect is high. Therefore, you might want to purchase more coverage than what the state requires to fulfill its financial responsibility law.
Proof of Insurance and Financial Responsibility
An insurance company authorized to do business in Vermont will provide you with proof of insurance. It should also immediately file proof with the Commissioner using either a certificate or any computer-generated means acceptable to the Commissioner.
The state requires its drivers to carry an automobile insurance identification card. You can obtain this from your provider, and you should keep it with the vehicle at all times―especially in the following instances:
The card should include:
If you used another method such as a surety bond to establish financial responsibility, consult the state site for specifics on submitting proof. Depending your circumstances, the state might require you to undergo some fairly specific protocol.
Penalties for Failure to Maintain Financial Responsibility
During the registration process you will show proof of insurance to the DMV. If at any time you allow your coverage to lapse or can show no proof of insurance, you could face a civil traffic citation. Along with the citation comes:
Furthermore, the Commissioner of Motor Vehicles can temporarily revoke your driver’s license if you get caught involved in the following without proper coverage:
Financial Responsibility Insurance
This type of liability insurance covers the individual rather than the vehicle. With financial responsibility insurance, a driver is covered when operating any vehicle regardless of whether he owns the vehicle.
If the state requires you to obtain this type of coverage you must proved proof to the Commissioner of Motor Vehicles and maintain it on file for a minimum of three years. If you let it lapse, your driver’s license and driving privileges will be suspended. Furthermore, you cannot reinstate your license until you have once again filed valid financial responsibility coverage.
The state will only accept certain documents when it comes to filing financial responsibility insurance. An SR-22 certificate is the most commonly known document. If this the route you prefer to take, please note that you must obtain the certificate from your insurance company and not simply your insurance agent.Choose a State:
Local Auto Insurance
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
Insurance Resource Center
- Shop For Insurance Online
- Insurance State Requirements
Auto Insurance Center
- Auto Insurance Policy Basics
- Top Reasons To Buy Insurance Coverage
- Auto Insurance Minimum Requirements
- Buying Car Insurance Basics
- Buying Car Insurance For Teens
- Teen Guide To Car Insurance
- How To Get Car Insurance Coverage With A Learners Permit
- First Time Drivers Guide To Car Insurance
- How To Save Money On Teen Car Insurance
- Common Driving Mistakes Teens Make
- Safe Driving Tips For Teenage Drivers
- Safe Cars For Teen Drivers
- How To Add Teens To Your Auto Insurance Policy
- Tips for Car Insurance Policy Holders
- Types Of Auto Insurance Coverage
- Buying Car Insurance For Seniors
- Senior Guide To Car Insurance
- Extended Insurance Coverage Guide
- How To Get The Most Out Of Your Auto Insurance Coverage
- When To Buy Rental Car Insurance
- How To Cover Vandalism Through Car Insurance
- How To Cover Auto Theft Through Car Insurance
- How To Cover Windshield Repair Through Car Insurance
- How To Cover Accidents With Wildlife Through Car Insurance
- How To Cover Lost Wages Through Car Insurance
- How To Cover Medical Expenses Through Car Insurance
- How To Cover Pet Injuries Through Car Insurance
- How To Avoid Auto Insurance Non Renewal
Commercial Auto Insurance
- Commercial Auto Insurance Requirements
- Commercial Auto Insurance State Requirements
- Federal Motor Carrier Insurance
- CDL Federal Requirements
- Commercial Insurance Filing
- State Commercial Insurance Filings
- Federal Truck Filings
- Intrastate Truck Filings
- Interstate Transportation Filings
- Certificate Of Insurance
- Uniform Carrier Registration Plan
- Types Of Commercial Auto Insurance
- Commercial Vehicle Insurance Discounts
- Multiple Policy Discount For Commercial Vehicles
- Paid In Full Commercial Vehicle Insurance Discount
- Commercial Business Experience Discount
- Commercial Auto Insurance Quotes
- Commercial Auto Insurance Articles
- Who Needs Commercial Auto Insurance
- Types Of Commercial Vehicles To Insure
- How To Save Money On Commercial Auto Insurance
- What You Need For A Commercial Insurance Quote
- Types Of Business Vehicle Insurance
- How To Compare Commercial Insurance Quotes
- How To Get The Most Out Of Your Commercial Auto Insurance Coverage
- Types Of Commercial Trailers To Insure
- Motorcycle Insurance Minimum Requirements
- Types Of Motorcycle Coverage
- Accessory Coverage For Motorcycles
- Comprehensive Physical Damage Insurance For Motorcycles
- Collision Insurance For Motorcycles
- Bodily Injury Liability Insurance For Motorcycles
- Property Damage Liability Insurance For Motorcycles
- Medical Payments Insurance For Motorcycle Riders
- Personal Injury Protection Insurance For Motorcyclists
- Uninsured Motorist Coverage For Motorcyclists
- Underinsured Motorist Coverage For Motorcyclists
- Motorcycle Roadside Assistance
- Motorcycle Insurance Quotes
- Motorcycle Insurance Rates
- Motorcycle Insurance Discounts
- Online Motorcycle Insurance
- Motorcycle Insurance Articles
- Motocross Insurance
- Dirt Bike Insurance
- Moped Insurance
- Trike Insurance
- Scooter Insurance
Auto Insurance Policy Basics
- Auto Insurance Deductible
- Auto Insurance Limit
- Auto Insurance Premium
- Auto Insurance Quote
- Auto Insurance Rates
- Motor Vehicle Report
- Proof Of Financial Responsibility
- Auto Insurance Endorsement
- Auto Insurance Exclusion
- Auto Insurance Rating
- Auto Insurance Code
- Auto Insurance Discounts
- How To Obtain Proof Of Insurance
- How To Change Auto Insurance Providers
- Factors That Affect Insurance Rates
- How To Cancel An Auto Insurance Policy
- When An Accident Happens
- Accident Loss
- Auto Accident Payment Recovery
- Total Loss
- Proof of Loss
- Actual Cash Value
- Lost Wages
- Salvage Vehicles
- How To File An Accident Report With The Police
- Evaluating Personal Injury In Auto Accidents
- First Steps Following A Personal Injury Auto Accident
- When To Seek Medical Attention For Personal Injury
- Protection Against Auto Insurance Fraud
- How To Handle Staged Car Accidents
- Types of Insurance Claims
- Bodily Injury Claims
- Property Damage Claims
- Windshield Claims
- Third Party Insurance Claims
- About Car Insurance Claims
- How Car Insurance Claims Affect Your Auto Insurance Policy
- When To Cover Personal Injury With Auto Insurance
- How Much Personal Injury Protection To Buy
- Supplementing Health Insurance With Personal Injury Protection
- Pain And Suffering In Personal Injury Claims
- Statute Of Limitations And Personal Injury
- Negligence And Determining Legal Liability
- Auto Insurance Claim Settlements
- Auto Insurance Settlements Involving Personal Injury
- Proving Fault In An Auto Accident Personal Injury Case
- Compensation For Auto Accident Personal Injury Claims
- Tips For Settling A Motor Vehicle Accident Claim
- Factors That Affect Compensation In Personal Injury Claims
- Legal Representation For Insurance Claims
- When To Hire A Personal Injury Attorney
- When To Hire A Lawyer
- Personal Injury Attorney Fees
- How To Choose Personal Injury Lawyers
- Benefits of Hiring A Personal Injury Attorney
- What To Submit To A Personal Injury Attorney
- Processing Car Insurance Claims
- How Car Insurance Companies Handle Claims
- How Car Insurance Companies Investigate Accident Claims
- How To Document Auto Accident Damage
- When To Report An Auto Accident To The DMV
- Tips On Documenting Personal Injury Expenses
- Paying Medical Bills Before Receiving Personal Injury Compensation
- Wage Loss In Personal Injury Auto Accident Cases
- How To File A Loss Of Wages Auto Claim
- Stages Of A Personal Injury Case
- Filing Car Insurance Claims