Vermont car insurance

While driving along the roads and under the covered bridges in Burlington, Essex, and throughout the Green Mountain State, you may encounter unique driving risks such as damage to windshields from kicked-up gravel and collisions with wildlife. Count on Progressive for reliable insurance, plus an array of discounts to help you save.

What are Vermont's minimum auto insurance requirements?

Drivers in Vermont are required to have auto liability coverage (BI liability and PD liability ), and uninsured/underinsured motorist (UM/UIM) coverage, at the following minimum limits:

While these are Vermont's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Vermont a no-fault state?

No. Vermont is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Vermont?

In 2023, the average Progressive liability-only auto insurance policy (single driver/single car) in Vermont cost $71 per month.^* Rates vary based on several factors such as your driving history, the limits and coverages you choose, and more. Learn more about what impacts your car insurance rate.

What is the best car insurance in Vermont?

Finding the best car insurance in Vermont means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Vermont get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 writer of personal auto insurance in Vermont.^**

If you're looking for the cheapest car insurance in Vermont, get a quote from Progressive. Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:

• GEICO customers who switch and save with Progressive save $757 on average^§
• State Farm customers who switch and save with Progressive save $661 on average^‡

How do I lower my car insurance cost in Vermont?

To lower your car insurance cost in Vermont, you may qualify for the following discounts through Progressive:

• Continuous insurance
• Paperless
• Three-year safe driving
• Five-year accident-free
• Electronic Funds Transfer (EFT)
• Homeowner
• Multi-car
• Online quote

See all our auto insurance discounts.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Vermont's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.

Vermont driving resources

From Bennington to Colchester, get to know Vermont's driving laws and resources. These resources apply to Rutland, Middlebury, and everywhere in between. Local municipalities may have additional laws and resources.

• Vermont Department of Motor Vehicles: Find out how to get or renew your Vermont license and registration.
• Vermont DMV road safety initiatives: Review Vermont's initiatives to reduce distracted and aggressive driving, learn about motorcycle safety, safety belt use, and sharing the road with slow moving vehicles.
• Vermont driver FAQs: Learn about Vermont's my DMV online driver services, how to get a driver's license, register a vehicle, tax and title information, and more.
• Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.