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.
Car Insurance in Vermont
Vermont laws require you to maintain car insurance on your vehicles so that you are safe from unfortunate costs you may encounter from the risks of owning a car.
Read more to learn all about car insurance rules, how Vermont officials can help you with car insurance issues, and how you can save on your premiums.
Vermont Car Insurance Requirements
Vermont laws require you to purchase liability and uninsured motorist coverages as part of your car insurance policy.
In Vermont, your car must have liability car insurance to help pay for costs related to injuries or property damage from a car accident you caused.
To comply with Vermont’s laws, your liability insurance must include the following minimum limits:
- $25,000 for injury or death to one person in an accident.
- $50,000 for total injury or death if multiple people are hurt in the accident.
- $10,000 for property damage.
Uninsured/Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage helps you pay for costs arising from injuries you suffer after an accident caused by a driver who does not have car insurance or who has insufficient insurance to cover your costs.
Vermont requires you to have uninsured/underinsured motorist coverage at the following minimum limits per accident:
- $50,000 for bodily injury to one person.
- $100,000 for total injury if multiple people are injured or killed.
While you are only required to hold liability and uninsured motorist coverage, you may want to consider purchasing additional coverage to help further protect you against unfortunate incidents.
When shopping around for car insurance quotes, consider one or more of the following:
- Collision – This will help pay for damages to your car due to traffic accidents.
- Other than collision (commonly known as “Comprehensive”) – This will help pay for damages to your car resulting from most cases that do not involve traffic accidents.
- Medical payments – This will help cover your medical costs related to injuries from a car accident.
- Towing and labor.
Proof of Insurance
The state does not require you to file a proof of insurance with the DMV. However, you will be required to show proof of insurance upon a police officer’s request during a traffic stop.
Proof of insurance can be obtained through your auto insurance company or agent and typically comes in the form of a car insurance ID card.
Violations and Penalties
If you are pulled over and found to be without proof of insurance, but you do have a current insurance policy, you will be given 15 days to provide your proof of insurance to the officer that stopped you.
If you do not have insurance, you face the following penalties:
- 2 points on your driving record.
- Mandatory filing of Financial Responsibility Insurance (SR-22).
- See below for more information.
Financial Responsibility Insurance (SR-22)
Financial Responsibility Insurance, also known as SR-22 insurance, is a type of insurance that covers you instead of your car. This means that no matter what car you are driving, you will be covered under your own insurance.
The state may require you to file Financial Responsibility Insurance for the following reasons:
- You are convicted of a traffic violation.
- You are involved in a car accident.
If you are required to file Financial Responsibility Insurance, you must do so for a minimum of 3 years.
Your car insurance company must file your Financial Responsibility Insurance via an SR-22 certificate.
Other Car Insurance Issues
Because car insurance can be a sensitive subject, Vermont’s Department of Financial Regulation has programs and systems in place to help consumers like you deal with issues such as car insurance questions, complaints, and even fraud.
You may find yourself in a dispute with your insurance company that you cannot settle.
If you need to file an insurance complaint to the DFR, you may do so online at the DFR website.
You can also print out a complaint form and submit it one of the following ways:
- By fax to (802) 828-1446
- By mail to:
- Department of Financial Regulation
- Insurance Consumer Services
- 89 Main Street
- Montpelier, VT 05620
Car Insurance Fraud
Every year, insurance companies take big losses because of insurance fraud. Those losses often get passed down to you through increases in premiums. You can help by reporting suspected instances of insurance fraud.
Car insurance fraud often involves:
- Staging car accidents.
- Making up or lying about the extent of injuries.
- Falsifying property damage.
You can report suspected car insurance fraud by calling (800) 964-1784.
Determining Your Car Insurance Premium
There are several factors that go into determining the price of your car insurance in Vermont.
When shopping for car insurance, keep in mind that the following will factor into your quotes:
- Driving record.
- Your car’s:
- Credit history.
- Insurance history.
- The location where you primarily park your car.
- This is the amount you are responsible for towards a claim.
- You can lower your rates by assuming higher deductibles.
One great way to save on car insurance is by taking advantage of discounts.
When comparing car insurance quotes, don’t forget to ask about these common discounts:
- Good driver.
- Good student.
Remember that while discounts can save you money, your best bet for obtaining cheap car insurance in Vermont is to maintain a good driving record.Choose a State:
Find Auto Insurance in Vermont
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
Insurance Resource Center
- Shop For Insurance Online
Auto Insurance Center
- Auto Insurance Policy Basics
- 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
- Insuring My Teen Driver: FAQs
- Tips for Car Insurance Policy Holders
- Buying Car Insurance For Seniors
- Senior Guide To Car Insurance
- Auto Insurance Coverages
- 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
- DUI Costs and Car Insurance
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
- Vermont Commercial Auto Insurance
- 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
- Motorcycle Insurance Articles
- Motocross Insurance
- Dirt Bike Insurance
- Moped Insurance
- Trike Insurance
- Scooter Insurance
- Vermont Motorcycle 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
- Six Common Car Insurance Myths
- Penalties For Driving Without Insurance
- No-Fault Insurance and Fault Insurance
- Car Insurance Quotes vs. Calculators
- Car Insurance FAQs
- Car Insurance Statute of Limitations
- Why Car Insurance Rates Go Up After Accidents
- 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
- Damaging Your Own Property and Car Insurance Coverage
- Fraud and Theft
- Old Cars: Popular Targets of Theft
- Car Insurance Fraud 101
- Car Theft Prevention
- Most Stolen Cars and Other Vehicles
- Cities With the Highest Car Theft Rates