Vermont Insurance Agencies by County

How to Lower Your Car Insurance in Vermont (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Vermont? Whether you’re commuting around Burlington, driving rural backroads, or navigating mountain passes and winter conditions, there are smart ways to keep premiums down. This overview explains how Vermont insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Vermont Score You

• Driving history – Accidents, tickets, DUIs, and prior claims affect rates.
• Insurance score – Many insurers use credit-based insurance scoring.
• Location – Rates vary by county based on claim frequency and traffic density.
• Vehicle type – Repair costs, safety ratings, and theft risk impact pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits and full coverage cost more; higher deductibles can reduce premiums.

10 Ways to Lower Your Car Insurance in Vermont

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Confirm all available discounts.
7. Consider liability-only coverage on older vehicles.
8. Choose vehicles with strong safety ratings and lower repair costs.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Vermont Minimum Auto Insurance Requirements

Vermont generally requires at least 25/50/10 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage per accident. Many drivers choose higher limits for better protection.

Winter Roads, Wildlife, and Comprehensive Coverage

Vermont drivers frequently face snow, ice, and deer collisions. Comprehensive coverage can help protect your vehicle from non-collision losses such as theft, vandalism, falling objects, storm damage, and animal impacts.

Use the county selector above to explore local insurance agencies in your area and compare options side-by-side.