The state of Vermont is peculiar in many ways, including its rules regarding car insurance. Here are some helpful hints on finding the lowest possible rates for insurance on vehicles owned in Vermont. Scroll down for a brief summary of stats, facts, discount deals and recent quotes pertaining to Vermont auto insurance.

Vermont Minimum Liability Coverage

According to state law, Vermont vehicle owners do not necessarily have to purchase car insurance. Drivers in the state of Vermont have the option of providing evidence of self-insurance in the amount of $115,000, which must be filed with the Commissioner of Motor Vehicles. In other words, for the vast majority of drivers, auto insurance is mandatory. The minimum required coverage for drivers in Vermont is 25/50/10 per vehicle. This means that each car must be insured with no less than $25,000 in coverage against personal injury, $50,000 in coverage against injury to others, and $10,000 worth of property damage protection.

Penalties for Driving Without Insurance in Vermont

In the state of Vermont, the penalty for getting caught driving an uninsured vehicle (and being unable to show proof of financial responsibility) is a fine of up to $500 and a suspended driver’s license until proof of insurance is provided. Additional penalties include reinstatement fees and raised premiums on future car insurance. Subsequent uninsured driving offenses may result in a driver’s license being permanently revoked.

Auto Insurance Rates in Vermont

In 2016, the average annual car insurance premium for a vehicle owned in the state of Vermont was $942, making Vermont the sixth least expensive state to buy car insurance, according to statistics posted on The national average for 2016 was around $1,347.

Reports from suggest that the state’s relatively low annual premiums are due to a number of contributing factors. For instance, Vermont has a low rate of uninsured vehicles (roughly 7 percent). Vermont also has the third lowest percentage of DUI-related fatalities among all U.S. states. Also, Vermont ranks second highest among states in the median age (40.4) of its residents. Other premium-reducing factors include low crime rates, low population density, a steady commercial economy and the effect of certain state laws.

Low Cost Car Insurance Programs in Vermont

Insurance carriers in Vermont offer all kinds of incentive deals to encourage or reward socially responsible on-road behavior when driving. Available are good driver discounts, good student discounts, senior citizen discounts, vehicle safety discounts and car safety features discounts, among others. The best way to cut costs on car insurance premiums is to practice safe driving habits and grab every possible discount. If your agent doesn’t mention discounts, ask.

Obtaining Auto Insurance Quotes in Vermont

Many Vermont car owners contract with major insurance carriers. Providers of auto insurance with high customer satisfaction ratings in Vermont include American Family Insurance, Geico, Esurance, Liberty Mutual, Nationwide, Progressive, State Farm and 21st Century Insurance. On the other hand, some drivers in Vermont opt for smaller, local carriers like Winooski and Country Financial. Call any or all of these companies, or compare free quotes online.

Most auto insurance providers offer similar services at competitive rates. Obtaining the lowest Vermont auto insurance package is basically a four-step process: Step One: Contact numerous carriers to ask about their rates and discount programs. Step Two: Compare quotes. Step Three: Choose the carrier with the lowest rates. Step Four: Practice smart driving habits. Following these simple steps can save you, the Vermont vehicle owner, hundreds of dollars a year in car insurance.