So, whether you’re traveling to one of Vermont’s famous mountains to ski or exploring the artistic city of Burlington, you can count on us to help keep you protected. In fact, we’ve been protecting AARP members and their families since 1984.
Does Vermont Require Auto Insurance?
Every state has minimum coverage requirements. In Vermont, the law requires liability
car insurance coverages at the following state minimums:
- $25,000 for injury/death to one person per accident
- $50,000 for injury/death to more than one person per accident
- $10,000 for damage to property per accident
In addition to these minimums, Vermont also requires drivers to carry uninsured/underinsured motorist coverage for both bodily injury and property damage. For bodily injury, the minimum limits are $50,000 for one person and $100,000 for two or more people; $10,000 is required for damage to property per accident.
Additional Car Insurance Coverages and Benefits Available to Vermont Drivers
For added protection, drivers in Vermont may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
Proof of Vermont Auto Insurance
If you’re in an accident, Vermont state law requires you to provide a copy of your car insurance ID card to a police officer or other party if they request it.
That’s why you’ll want to keep a copy of your car insurance ID card in your vehicle with your registration. Vermont is also among several states that now accept electronic proof of car insurance and with The
Hartford mobile app, you can store your car insurance ID cards right on your phone.
Download The Hartford mobile app today:
Car Insurance Benefits Offered to Vermont Drivers
- New Car Replacement§§
- Accident Forgiveness‡
- Disappearing Deductible‡
- 24/7 Claim Service
Is Insurance Expensive in Vermont?
Customers of The Hartford in Vermont pay an average of $1,005 a year for car insurance, or about $84 a month.‡‡‡ Be aware that several factors can influence how much you'll pay for car insurance, such as:
- Driving history
- Type of vehicle
- Average miles driven
- Coverage limits
- Deductible amounts
The best way to find auto insurance that’s right for you is to get a quote from multiple car insurance companies and compare them. To get started,
get a quote from us today.
Car Insurance Discounts in Vermont
There are a few things you can do to try to save on your car insurance rate in Vermont, such as completing a defensive driving course or paying your premium in full. If you bundle your auto and home insurance with The Hartford, you can save up to 12% on car insurance and up to 20% on homeowners insurance in Vermont.** Our customers save an average of $813 when they bundled their auto and home policies.**
Staying Safe on Vermont Roads
As you travel through Vermont, there are a number of safe driving laws meant to protect you on highways and byways. Here are just a few:3
Vermont Seat Belt Laws:
Although the state of Vermont does not have mandatory seat belt laws, law enforcement can ticket you for this violation if you are pulled over for another reason.
Vermont Distracted Driving Laws:
Texting while driving is banned for all drivers in the state of Vermont.
Vermont Teen Driver Laws:
Getting a driver’s license is a rite of passage for teenagers, and Vermont wants to be sure they stay safe in the process. That’s why they have implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required in Vermont to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
To find car insurance rates that work for you, get multiple car insurance quotes in Vermont and compare them. To learn more,
get a quote from us today.
Last Updated: August 21, 2024
2 Bankrate, “Average Cost of Car Insurance in Vermont.”
3 Governors Highway Safety Association, “States”
Vermont drivers could receive valuable 
