Car Insurance in Vermont

From winding mountain roads to quiet downtown streets, driving in Vermont comes with its own unique set of challenges and experiences. GEICO makes it easy to get the car insurance coverage you need to stay protected on the road, with great rates, helpful tools, and a simple quoting process that puts you in the driver’s seat. Whether you're commuting through Burlington or heading out for a weekend in the Green Mountains, GEICO is here to help you drive with confidence. Check Vermont car insurance rates by getting a free quote with GEICO.

Vermont Car Insurance Requirements

Here are the minimum requirements for car insurance in Vermont:

Coverage Type Coverage Limit for Vermont Car Insurance
Bodily Injury Liability Coverage $25,000 per person / $50,000 per accident
Property Damage Liability Coverage $10,000
Uninsured/Underinsured Motorist Bodily Injury Coverage $50,000 per person / $100,000 per accident
Uninsured Motorist Property Damage Coverage $10,000 with a $150 deductible (deductible may not apply)

Additional Vermont Car Insurance Coverage

GEICO offers a variety of optional car insurance coverages to help Vermont drivers stay fully protected on the road, such as:

  • Collision: Helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or object.
  • Comprehensive: Covers damage to your car from things like theft, vandalism, and fire.
  • Medical Payments (MedPay): Helps cover medical bills for you and your passengers after an accident.
  • Emergency Roadside Services: Whether you’re locked out or stuck with a flat, this add-on gets you back on the road fast.
  • Rental Reimbursement: Pays for a rental car while your vehicle’s in the shop after a covered claim.
  • Mechanical Breakdown Insurance: Covers major car repairs that aren’t accident-related, like engine or transmission issues.

Vermont Car Insurance Discounts

Along with great car insurance rates, GEICO has a number of discounts that could save you money. Check out some of the discounts that may be available on your Vermont auto insurance policy.

  • Multi-Policy Discount: Bundle your homeowners or renters policy with your auto policy to save on car insurance.
  • Military Discount: Active-duty service members, veterans, and members of the National Guard or the Army Reserves may qualify for up to a 15% discount on certain auto insurance coverages.
  • Good Student Discount: Full-time Vermont students who maintain a minimum B average can get rewarded for their academic excellence with up to 15% in car insurance savings.

Looking for more ways to save? View all GEICO car insurance discounts.

Factors Affecting Your Vermont Car Insurance Rates

Car insurance rates in Vermont can be impacted by several factors, including:

  • Your driving record
  • Vehicle year, make, and model
  • Your ZIP code
  • How much you drive
  • Your credit-based insurance score
  • Coverages chosen

Winter Driving in Vermont

Winters in Vermont bring a lot of snow. In fact, Mount Mansfield sees an average of over 20 feet of snow every year! Accidents are more prone to happen in ice and snow, make sure you're covered with Vermont auto insurance.

Even if you live in an area that has great snow removal, you need to take extra care and plan carefully before driving in these conditions. While it's important to practice safe driving and stock the proper supplies in your car in case you're ever stranded, your car may also need additional modifications for driving in heavy snow.

The Vermont State Police recommend having good snow tires on all four wheels, and if you need more traction, both tire chains and studded tires are allowed.

Vermont Auto Insurance FAQs

  • What is the average cost of car insurance in Vermont?

    The cost of Vermont car insurance varies based on multiple factors, like your driving history, the car you drive, how often and how far you drive, and your ZIP code. The coverages and limits you choose also impact rates.

  • Is Vermont a no-fault insurance state?

    No, Vermont is an at-fault state. That means the driver who causes an accident is responsible for paying the damages through their insurance.

  • Is car insurance expensive in Vermont?

    Vermont is one of the more affordable states when it comes to car insurance. While rates vary based on your driving history, vehicle, and coverage, many drivers in Vermont pay less than the national average.