A Guide to Auto Insurance in Vermont (VT)

Did you know that everyone in the state of Vermont who drives a vehicle must carry Vermont auto insurance? It's probably a no-brainer, but there are other areas you might not be aware of at all. Carrying the minimum requirements is okay, but for some people this might not be enough. However, our goal today is to help you understand the laws better so you can purchase the right Vermont auto insurance that offers the best quality possible combined with the best price.

If by chance you're pulled over or wind up in an accident and you don't have Vermont auto insurance, there will be consequences to follow. There will be points added to your driving record, possible fees, and even a suspension of your license depending on the situation.

This can all be avoiding if you can figure out what is needed for your plan and get it sorted out ahead of time. Today we're going to go over some of the requirements that will be crucial to your policy.


Any individual driving in Vermont must have liability coverage. Just like a lot of the other states around the country, the liability coverage is setup with a 25/50/10 approach. If you're not familiar with this terminology it means you will have to have:

* $25,000 for death or injury of one person
* $50,000 for death or injury of two or more persons
* $10,000 for property damage

One area that is not required to have is underinsured/uninsured motorist coverage.

Some states believe this should be mandatory, but if you own Vermont auto insurance it is merely an option. While this is true we suggest that you strongly consider adding it to your policy anyways. This will alleviate the possibility of an accident occurring and the other person not being covered by any type of plan.

Where this type of cover really comes into its own is if you are involved in an accident with someone who either doesn't have any insurance, or who doesn't have enough cover. In either of those scenarios you would be protected. And as it is far more common than you might realise for people to not carry any insurance, buying extra underinsured/unisured cover could end up being a decision that you are very grateful for.

If they're at fault then their insurance company would be required to cover everything. This is because the state of Vermont settles under a Tort system, which we'll explain in a moment, but the bottom line is that you do need to make sure that you get enough Vermont Auto Insurance.

What is the Tort System for Vermont Auto Insurance?

If you're not familiar with a Tort system it simply means the state requires there to be a person at fault. It's a helpful approach for insurance companies to take, because if you're not at fault then your company doesn't have to pay anything. Then again; it's possible that the coverage of the other driver isn't enough to cover the damages. This is why it's in your best interests to at least own the minimum amount of underinsured/uninsured motorist coverage.

The Costs

Vermont is at the cheaper end of the pack when it comes to the overall costs of your premium in comparison to the other states. But, obviously the amount you pay is going to depend on several different variables. It could be your gender, age, where you live, security devices, claims history, credit history, and a host of other variables that can impact on how much the Vermont Auto Insurance Companies expect you to pay for cover.

One of the biggest concerns many people have revolves around credit history.

This area alone will allow your Vermont auto insurance company to decide whether or not you can make monthly payments. If your credit history is not very good then they may require you to pay for your premium upfront. This can be a huge issue for some people, but it's important to be aware of it before they start checking.

In the end, do your research and make sure all the minimum laws are satisfied. Since Vermont is a Tort state it's also a good idea to raise some of those minimums. You never know when an accident is going to occur, but if you're prepared for the event; the financial side will be covered by your Vermont auto insurance.

A good first step is to check out some free quotes online so that you can immediately see how much auto cover in Vermont might end up costing you. Inevitably some quotes will be better than others, and because there is a great deal of competition in the insurance market, you will find that there are always some good deals available at any one time.


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