Vermont is a nature lover’s dream, with beautiful summer weather, incredible fall foliage, and the Green Mountains providing a picturesque backdrop. You can savor a drive through the heavily forested countryside, or enjoy some of the hundreds of museums and art galleries packed in the towns between. But before you set out to explore your home state, you’ll need the proper car insurance.

Luckily, the average price of car insurance in Vermont is well below the national average. But that doesn’t mean you should skip the work and pick the first affordable policy that you find. In order to get the best deal on your coverage, you need to compare car insurance quotes from as many companies as possible to get the best value for your money. And thanks to the internet, you can do all of that from the comfort of your home, without having to make a bunch of phone calls.

OnlineAutoInsurance.com can quickly provide quotes from companies in your area with no obligation to buy. You’ll only need to answer a few basic questions about yourself and the vehicle you want to insure, and within moments you’ll see car insurance rates from multiple insurers.

But before you start shopping, you need to decide the level of coverage you need. So what are the legal requirements? And what other options should you consider?

Vermont Car Insurance Laws

Vermont’s financial responsibility law requires each motorist to maintain car insurance on their vehicle at all times with the following limits:

Liability Coverage

  • $25,000 Bodily Injury Liability per person injured in a car accident
  • $50,000 Bodily Injury Liability per accident with multiple people injured
  • $10,000 Property Damage Liability per accident

Your Bodily Injury policy will pay for injuries you are responsible for in an at-fault accident, up to to the per person and per accident limit. It will also pay for funeral expenses, economic loss, pain and suffering, and legal fees if you are sued after a car accident.

Your Property Damage policy will pay to repair or replace vehicles you damaged in an at-fault accident. It will also pay to repair damage to fences, signs, or buildings you hit with your car, up to the policy limits.

But remember - these are just the legal minimums. Shoppers should be aware that a car accident involving multiple vehicles or with multiple injuries can easily exceed these limits. If you don’t have the wealth to pay for a hugely expensive accident, consider doubling the policy limits at the very least so you can protect yourself and your assets.

Uninsured and Underinsured Motorist Coverage

  • $50,000 Bodily Injury Coverage per person injured in a car accident
  • $100,000 Bodily Injury Coverage per accident with multiple people injured
  • $10,000 Property Damage Liability per accident

This policy will work in place of another driver’s liability insurance if you are in an accident with an uninsured motorist, or when you’re a victim of a hit-and-run. When you make a claim on this policy, the Bodily Injury policy will pay medical bills for you and your passengers, and the Property Damage policy will help you repair your car.

Vermont, unlike most states that have compulsory Uninsured Motorist Coverage, requires double the Bodily Injury minimum limits compared to your Liability coverage. This is a good thing because your policy also will help you pay medical expenses if you’re hit by an underinsured motorist. That means if you’re seriously injured in an accident with a driver who only has minimum coverage, you can still get an additional $25,000 in Bodily Injury benefits per person, and an additional $50,000 per accident when the damages exceed the limits on their policy.

Driving without insurance in Vermont

You are required to carry proof of insurance in your motor vehicle at all times and must show it to a law enforcement officer if they request it in a traffic stop or at the scene of an accident. If you’re caught driving without proof of insurance, you could face a fine of up to $500, suspension of your driver’s license, and the towing of your vehicle.

Beyond that, if you cause an accident without insurance, the damages you cause are still your financial responsibility. And if you’re unable to pay, lawsuits could wreak havoc on your assets and your credit, which could leave you in debt for many years to come. The best way to protect yourself is to carry an insurance policy that not only meets the legal requirements but also makes sense for you and your finances.

Optional coverage to consider

The minimum coverage required by law will help you pay damages you are liable for, but it won’t help you pay for any medical bills or vehicle repairs you have after an at-fault accident. If you aren’t prepared for any sudden expenses, consider adding additional protection for you and your vehicle to your policy.

Collision and Comprehensive coverage will ensure you can afford to make repairs to your vehicle, and you will be required to carry it on your car if you finance or lease your vehicle. That means you should always check the price of insuring a new vehicle before you buy it to make sure you can afford to cover it.

Collision coverage will pay for damages to your vehicle caused by a car accident, no matter who is at fault. However, if the other driver is at fault, you may want to avoid making a claim if their insurance will cover the damages so you can avoid a spike in your rates. This policy will also cover damages to your vehicle if you hit a stationary object, like a tree or pole. Your Comprehensive coverage will pay for damages caused outside of a collision, including fire, flood, or hail damage, as well as theft and vandalism.

A Medical Payments policy will quickly reimburse you for the cost of medical expenses up to the policy limits, which are usually around $5,000. This can help you meet your health insurance deductibles, or cover treatment that’s not otherwise offered by your insurance, such as dental care. However, if you do get reimbursement from an at-fault driver’s liability, your insurance company has the right to collect any benefits they paid out under this policy.

Finding affordable car insurance in Vermont

Insurance companies determine your insurance premiums based on personal factors like your age, sex, address, credit score, and driving record. They will use these factors to assess the risk of insuring you, and the higher the risk the more you pay for your policy. Drivers without lapses in insurance coverage and no moving violations cost less to insure, while drivers with a spotty history pay more.

They will also look at the year, make, and model of your vehicle, as well as the amount you drive and whether or not you use it for work. While brand new cars may be worth more money, they also might have advanced safety features that will get you discounts on your insurance, and some older cars might be more likely to be stolen. The only way to know the price to ensure each vehicle is to get a car insurance quote before you buy a new vehicle.

Each company will weigh these factors differently, and no one insurer offers the best rates for everyone. That’s why it’s so crucial to compare car insurance quotes from as many companies as possible and to take advantage of every discount you qualify for to get the best rates.

You may qualify for discounts for safe driving, maintaining a high GPA while you’re in school, taking defensive driving courses, or for carpooling or owning a home. Be sure to ask about further discounts to lower your monthly payment, and always read customer reviews before selecting an insurer.

The bottom line

The best way to find cheap car insurance is to drive safely, don’t let your car insurance coverage lapse, and compare many insurance companies in Vermont to find the best deal. Even if you already have car insurance, you can save hundreds of dollars a year by switching companies.

Now that you know what you need, you can fill out our questionnaire and start comparing rates today, with no obligation to buy. Once you find an insurance policy that works for you, you can make your purchase and have proof of insurance within minutes, all without having to leave the house. Get started now!