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Vermont Car Insurance Resources

Vermont Car Insurance

Car Insurance Rates in VT

^ From 2006 to 2010, Vermont cities had the 38th highest auto insurance rates in the nation. [2]

Car Insurance in VT by City

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Cars Insured in VT

^ Vermont ranked 49th of all U.S. states in total auto insurance policies in 2011. [1]

VT Car Insurance

Car Insurance in Vermont

Car Insurance Liability Requirements in Vermont

  • Minimum Liability Limits in VT: 25/50/10 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Vermont

Required Car Insurance Coverage in Vermont
  • Auto Insurance Coverage Requirements in VT [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage

Car Insurance Verification Laws in Vermont

  • Insurer Verification of Auto Insurance in VT [4]
    • Insurer must verify randomly selected insurance policies upon request.

Vermont Car Insurance Facts, Estimates & Related Laws

Vermont Car Insurance Facts

Vermont Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in VT
    • Vermont had the 39th highest auto insurance rates in the nation in 2010. [2]
    • Rates in VT ranked 38th in the nation in 2009. [2]
    • In 2008, VT had the 37th highest rates in the country. [2]
  • Number of Auto Insurance Policies in VT
    • Vermont ranked 49th in the nation in auto insurance policies in 2011 with a total of 483,495. [1]
  • Uninsured Motorist Rate in VT
    • The uninsured motorist rate in VT ranked 47th in the nation in 2009. [3]

Vermont Distracted Driving Laws

  • Hand-held phone ban? Yes
    • hand-held phone ban in place for drivers in work zones. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Vermont Automotive Laws

  • Safety Belt Laws in VT
    • Safety belt laws have been in place since 1994 and apply to drivers/passengers 18+ years in all seats. [7]
    • Child restraint law in place for younger than 1 year or less than 20 pounds in a rear-facing infant seat; 1 through 7 and more than 20 pounds. [7]
  • Motorcycle Helmet Laws in VT
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in VT
    • Renewal cycle: 4 years [7]

Vermont Auto & Driver Facts

Vermont Automotive Facts

Vermont Auto & Driver Facts
  • Speed Limits in VT
    • Rural interstates: 65 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 50 mph [7]
  • Motor Fuel Consumption in VT
    • Vermont cities collectively ranked 50th in the nation in total motor fuel consumption in 2011. [9]

Vermont Licensed Drivers

  • Licensed Drivers in VT [10]
    • Total Drivers: 521,666
    • Female: 262,200
    • Male: 259,466
    • VT has the 47th most drivers in the U.S.
  • Minimum Driving Age in VT [5]
    • Vermont has a minimum driving age of 15 years.

Vermont Auto Registrations

  • Auto Registrations in VT [8]
    • Registered Cars: 286,106
    • Registered Trucks: 286,748
    • Registered Motorcycles: 30,071
    • Total Registrations: 605,054
    • Rank: Vermont ranked 50th in the United States in total auto registrations in 2011.

Additional information about Vermont

About Vermont

Vermont has a population of approximately 625,741, which ranks 50th in the U.S. among all states. [6]

VT Car Insurance

More about Vermont auto insurance

For more information about auto insurance in VT, or for additional resources regarding Vermont car insurance, visit the Vermont Department of Insurance.

Did you know?

Driving while talking on a hand-held cell phone is currently prohibited in in 11 states and the District of Columbia.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Vermont Cities