Looking for Cheap Car Insurance in Vermont?
Vermont is renowned for its fabled maple syrup, philanthropic country roots, beautiful covered bridges, and scenic views. However, as any Vermonter can tell you, the other best thing about this state is the cost of insurance.
Car insurance companies evaluate so many different factors when determining insurance rates, many of which are specific to your location. If you want the best rates and coverage for car insurance, Carlay can help you shop around for free by letting you compare quotes in one convenient location.
All you have to do is answer a few short questions online, and Carlay Insurance gets your policy switched over from your old company—no more worry about contacting your old provider. You don't need to deal with the hassle of bringing your car in for service to get the savings you want.
Here are some real customer quotes from people who have saved money with Carlay:
How Much Does Car Insurance Cost in Vermont?
If you opt for liability-only car insurance in Vermont, the average cost is $1,533 per year. If you prefer to purchase full coverage car insurance in Vermont, the average cost is $2,800 per year.
In the United States, it costs an average of $1,783 per year to buy basic liability auto insurance and $2,485 per year—or almost twice as much—to purchase full-coverage auto insurance.
What contributes to the insurance rates in Vermont?
The presence of these factors can affect the cost of insurance in Vermont.
- Uninsured drivers
The State of Vermont has one of the highest proportion rates of drivers without car insurance. It is essential that you buy an affordable and comprehensive policy to protect yourself and your family, as well as others on the roads.
- Rural and remote roads
With the nation's second-largest territory and the most rural roads, Vermont is an average state for car insurance rates. Vermont requires drivers to carry a minimum amount of liability insurance on their vehicle
Here's how Vermont's insurance savings stack up against nationwide averages:
|All Coverage Before Carlay||All Coverage After Carlay||Minimum Coverage Before Carlay||Minimum Coverage After Carlay||Full Coverage Before Carlay||Full Coverage After Carlay|
|All Coverage Before Carlay||$1,620||$2,489|
|All Coverage After Carlay||$1,047||$1,671|
|Minimum Coverage Before Carlay||-||$2,360|
|Minimum Coverage After Carlay||-||$1,390|
|Full Coverage Before Carlay||-||$2,761|
|Full Coverage After Carlay||-||$1,963|
Top auto insurance providers in Vermont
Finding the right insurance provider is a matter of deciding which providers are right for you, based on your age, location, driving experience, and what kind of vehicle you drive. As an example, if you drive a Honda Civic rather than a Mercedes-Benz, your insurance will be cheaper because Civics have lower repair and maintenance costs.
Carlay customers have found some awesome deals with Vermont insurance companies recently!
What Car Insurance Do You Need in Vermont?
In Vermont, as in most other states, drivers must carry minimum amounts of insurance on their vehicles.
If you fail to maintain your insurance or let it lapse, here are some things that are likely to happen:
- Fines of up to $500.
- Suspension of your registration and license plates after multiple offenses.
- If you've had more than one offense, an SR-22 will be required.
While the state's liability minimum may be enough to protect you in many situations, there is no guarantee that it will cover you completely for all accidents. You should consider investing in further coverage if you can afford to do so.
Here are some coverage options that would be of interest to drivers in Wyoming.
|Collision insurance||Covers damages that are the result of a collision with a vehicle or stationary object|
|Comprehensive insurance||Covers damages that aren't the result of a collision, such as vandalism, theft, or a natural disaster|
|Roadside assistance||Covers the costs associated with a breakdown, like towing and labor costs|
Carlay is a smart mobile app that's here to help you find the right coverage. In under a minute, Carlay transfers your information to 50+ top insurance companies that compete for your business. You choose the best price and policy for you, and Carlay takes care of the rest.
No lengthy forms. No time-consuming meetings. No hardball selling. Just savings. The average Carlay policy saves car owners $879 a year on their auto insurance. Now that you know what insurance you'll need in Vermont, let's talk about how to figure out what you'll pay.
How is Your Cost of Car Insurance Determined in Vermont?
Factors such as your age, driving record, zip code, and the type of vehicle you drive will affect your car insurance premium.
- Cost to insure your car in Vermont by age
Younger drivers will likely pay more for car insurance than people who are older. Young people are more likely to speed, drive distractedly, and get into accidents than older people. That's why insurance rates tend to be higher for drivers under the age of 25.
What young drivers in Vermont need to know
- Vermont's graduated licensing program is designed to help young drivers become safe, more confident drivers.
- A defensive driving course is a helpful way for young drivers to reduce insurance rates.
- To qualify for a good student discount, a student needs to have a good academic average.
Car-buying rates for young drivers are unlikely to be as affordable as they are for their parents, but shopping around and keeping a clean driving record can help lower costs. No matter how old you are, Carlay can help you save money on your car insurance.
|Age Group||Average Cost||Annual Savings with Carlay|
- Cost to insure your car in Vermont with a poor driving record
Your car insurance rate will be higher if you've been in an accident, had a speeding ticket, or been convicted of driving under the influence.
In Vermont, traffic ticket violations remain on your driving record for two years. During this time, some insurance companies may see you as a high-risk driver—with a higher premium to match—and raise your current rates accordingly.
Carlay's team of car insurance policy experts are well-versed in finding competitive and affordable policies for drivers whose records have a few blemishes.
Here are some of the break-downs and discounts we offer for drivers who aren't perfect:
|Driving Violation||Average Cost||Annual Savings with Carlay|
|Driving on Sus. License||$3,825||$1,236|
|Failure to Obey Traffic Sign||$2,568||$986|
|Speeding under 15||$2,447||$598|
|Speeding over 15||$1,406||$334|
- Cost to insure your car in Vermont based on where you live
As with car insurance, rates can change depending on what state or region you live in. Because cities have more accidents, thefts, and claims, their drivers pay more for car insurance than drivers in rural areas.
But no matter where you live in Vermont, we can help you get great deals on car insurance:
|City||Average Cost||Annual Savings with Carlay|
- Cost to insure your car in Vermont based on the type of car you drive
If you buy a more affordable car, you may have to pay less for insurance, because it will cost less to repair an accident you may have in the cheaper car. In Vermont, the Ford F-Series and the Subaru Legacy are the two most popular vehicles, not surprisingly given their durability and comfort on fishing trips to Lake Champlain.
If you drive a Ram 2500 Laramie in Vermont, your insurance will cost more due to the high initial MSRP. Here's a breakdown of insurance costs for popular makes and models in Vermont—with and without Carlay.
How to Save Money On Car Insurance in Vermont?
To save money on car insurance, shop around and compare prices. Depending on where you live, your driving record, experience, and type of vehicle, the best deal may be with one insurance company or another.
- Shop around for quotes
Comparing auto insurance quotes from several companies can help you save money on car insurance. With Carlay, you get professional help to search for the right place for your needs, which means less time working with paperwork and more time on yourself.
Carlay provides instant car insurance quotes from 50+ top companies so you can compare available rates and coverage in one place. All you have to do is enter your information once, instead of filling out a long form over the phone. By taking advantage of the sign up benefits, you can get all of the savings and coverage you need with minimal hassle.
- Look for discounts
It pays to shop around for car insurance. And if you want to find cheap car insurance quotes, be sure to take advantage of any discounts that may be offered by automobile insurance companies.
Here are a few common discounts worth keeping an eye out for:
|Discount Type||Who is eligible?|
|Paperless discount||By switching to online-only statements and scheduling automatic payments, you could qualify for a sizable discount on your car insurance.|
|Green vehicle discount||If you drive an electric or hybrid vehicle, you may be eligible for a discount on your annual premium. Ask your provider about this discount.|
|Good student discount||Full-time students with good grades can usually qualify for a healthy discount on their car insurance premium. You may have to provide proof of enrollment and grade point average.|
|Vehicle safety discount||If your vehicle has high-rated safety features, you can get a discount on your premium. Certain makes and models are eligible for this discount, so be sure to check with your provider.|
|Telematics discount||By installing a small, free device to track driving behavior, Vermont drivers could be rewarded with a discount up to 30% for safe driving. Check with your insurance company for more information. There's usually a discount just for enrolling.|
- Increase your deductible
You can reduce your premium by increasing your deductible—that is, the amount you have to pay for a claim before the insurance company begins to cover the rest. Because you may be required to pay a deductible for making claims, be sure you can afford to do so when asking your insurance company about raising your deductible.
Registering Your Car in Vermont
Want to register your car in Vermont? Be sure to bring along the following:
- Valid driver's license or ID card.
- Proof of insurance.
- Proof of sales tax payment.
- Car title or signed lease agreement.
- Proof of a safety inspection.
- Emissions test certificate, if applicable
To avoid wasting your time, you're advised to make an appointment. You'll need to complete a registration form with details about your vehicle and personal information while you're there.
Vermont drivers must renew their vehicle registrations annually.