No matter what state you choose to live in, you will be bound by their particular car insurance requirements. Indeed, while every state has its own rules and regulations with regards to how much coverage is required to safely operate a motor vehicle, there is almost no way around purchasing some form of auto insurance coverage, no matter what state you live in.

Vermont is no exception. A state that is well known for its beautiful landscapes, covered wood bridges, and blustery winters, driving in Vermont is definitely not without its obstacles. Therefore, making sure you have enough coverage is not only your obligation but it is also imperative to ensure the safety of yourself and others. That said, the following is an overview of the auto insurance requirements for motorists living in Vermont.

Car Insurance Requirements in Vermont

Given that Vermont uses a traditional "fault" based system, this means that the person who is at fault for causing the accident is also liable for costs associated with damages both directly and indirectly caused by the accident. The requirements for auto insurance in Vermont are as follows:

  • $25,000 worth of liability coverage is in case of bodily injury or death of a person in an accident caused by the owner or driver of the insured vehicle.
  • $50,000 worth of liability coverage is required in total bodily injury or death liability in an accident caused by the owner or driver of the insured vehicle
  • $10,000 worth of liability coverage is required in case property damage per accident caused by the owner or driver of the insured vehicle.
  • Uninsured motorist coverage is also required; $50,000 per person/ $100,000 total per accident.

Optional Insurance Coverage

While Vermont does have its auto insurance requirements, there is also an array of coverage options that are optional. The following is an overview of the optional coverage options in Vermont.

  • Collision- This type of coverage can be used to pay for damage to your vehicle caused by automobile accidents.
  • Comprehensive coverage. This coverage can be used to pay for damage to the automobiles that are caused by things other than traffic accidents. For instance, incidents such as vandalism, theft, fire, natural disasters, accidents involving wild animals, falling and/or projectile objects can all be covered under this policy.
  • Rental coverage. The cost of a rental car while yours is being repaired can be recovered if you opt for this coverage option.
  • Towing and labor coverage. You can also purchase additional coverage to provide funding if your vehicle needs to be towed and repaired after an accident.
  • Medical payment coverage. This coverage option provides funding for the driver's medical bill in relation to the injury they suffer after an accident.

Special Factors

Moreover, there is a variety of special risk factors to beware of in every state. In particular, in Vermont, the top risk factors are speeding, drunk driving, and not wearing seatbelts; these three issues have caused the majority of the road-related fatalities. In 2015, of the 57 roadside fatalities, 19 were caused by speeding, 15 were caused by passengers being unrestrained, and 14 were due to drivers being impaired by alcohol.

Given these risks, Vermont motorists may want to pay extra special attention to how much comprehensive coverage they have as well as collision and maybe even medical expense coverage as well.

How Much Does Coverage Cost?

One of the best things about auto insurance coverage in Vermont is the cost. While nationwide, a typical policy costs around $1009 annually, Vermont's policies only cost $764 a year.

How Your Premiums are Calculated

No matter how much your premium ends up costing, how your premium is calculated will be based on the following factors:

  • Age: Younger drivers typically have to pay more than older, more experienced drivers.
  • Gender: There are some risk factors depending on the gender of the driver. For instance, younger males are often considered to be more reckless than other drivers.
  • Claims History: If you have filed numerous claims in the past, this will affect your premiums.
  • Driving Record: Things such as accidents, tickets, and other infractions will be taken into account when calculating your premium.
  • Make and Model of your Vehicle: Older cars are often considered to be safer and cost less to service/ replace.
  • Credit Score: A low credit score could cause increased premium rates.

Need a Discount?

Although there aren't any special discounts for Vermont residents, motorists of Vermont can receive a discount in the following ways:

  • Take safe driving courses
  • Secure a college degree
  • Install monitoring equipment
  • Improve your credit score
  • Purchase a car with a high safety rating

Overall, purchasing auto insurance in Vermont does not have to be a difficult task. However, no matter what kind of car you drive or how stellar your driving record may be, it is still mandatory.

Fortunately, for Vermont drivers, coverage is typically cheaper than many other states in this country. Moreover, although there are some unique risk factors with regards to driving in Vermont (i.e. driving on snowy, icy roads), on the whole, these factors do not seem to be a major issue for residents of the state. At any rate, if you are looking for quotes for auto insurance in Vermont, has you covered.