Whether you're cruising through scenic byways or navigating icy winter roads, having car insurance in Vermont is essential. Vermont’s driving conditions and state-specific laws make auto insurance a critical part of responsible car ownership. Here’s why: 

• Unpredictable Weather: Vermont is known for its harsh winters, with snow, sleet, and ice that create dangerous driving conditions. 
• High-Risk Rural Roads: Winding, narrow rural roads can present additional hazards, especially during inclement weather. 

Vermont is an “at-fault” state, meaning that the driver who is determined to be at fault in an accident is responsible for covering the resulting damages. When it comes to auto insurance, the minimum required coverage will vary from state to state. For Vermont, that minimum coverage includes: 

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum $25,000 per person and $50,000 per accident. 
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum $10,000 per accident. 
• Uninsured/Underinsured (UM/UIM) Motorist Coverage: Coverage for both your vehicle and injuries if the other party doesn't have sufficient insurance. Minimum $50,000 per person and $100,000 per accident for bodily injury. Property damage has a minimum of $10,000 per accident. 

If you’re the at fault driver, the liability coverage only applies to the other party. To protect yourself and your vehicle in an accident where you’re at fault, additional coverage is needed. 

Driving in Vermont comes with specific risks, which is why additional coverage is often a smart investment. Consider these options for more comprehensive protection: 

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault. 
• Medical Payments Coverage (MedPay): Covers medical expenses for you and your passengers, regardless of who is at fault in an accident. 

Goosehead Insurance is dedicated to giving our customers a customized policy that fits their needs. So, whether you own a highly customized vehicle, or don’t drive often, we can find coverage that works for you. 

The cost of car insurance in Vermont varies depending on several factors, including: 

• Driving History: Clean records can lower premiums, while accidents or violations often result in higher rates. 
• Age and Experience: Younger or less experienced drivers typically pay more due to higher statistical risk. 
• Vehicle Type: Newer or luxury vehicles often cost more to insure. 
• Location: Rural areas may have lower rates compared to urban centers like Burlington due to reduced traffic density. 

In addition to the above factors, what you pay depends on your level of coverage. Vermont drivers that have the state minimum coverage pay, on average, around $300 a year. Those with policies that have more coverage pay an average of around $1,500 annually. 

While auto insurance is essential, it doesn’t have to break the bank. Vermont drivers can save money on their premiums by taking these steps: 

• Bundle Policies: Combine your car insurance with homeowners or renters insurance to receive multi-policy discounts. 
• Maintain a Clean Driving Record: Many insurers reward drivers with no accidents or traffic violations on their records. 
• Take Advantage of Discounts: Look for savings opportunities, such as those for good students, safe drivers, or vehicles with safety features. 
• Shop Around: With Goosehead Insurance, we compare policies from top carriers to find the best rates and coverage for Vermont drivers. 

When it comes to car insurance in Vermont, Goosehead Insurance is a name you can rely on. Here’s why Vermont car owners choose us: 

• Comprehensive Comparisons: We compare policies from top-rated insurance carriers, ensuring you get the best combination of value and protection. 
• Expert Advisors: Our knowledgeable agents take the time to understand your unique needs, helping you pick the coverage that works for your lifestyle. 
• Tailored Coverage: From customized policies for infrequent drivers to enhanced coverage for winter conditions, we ensure your plan matches your situation. 
• Ongoing Support: We’re here for the long run, providing claims assistance and policy updates as your needs evolve.