Vermont Auto Insurance [Rates + Cheap Coverage Guide]
Vermont requires 25/50/10 for bodily injury and property damage coverage. The average cost of auto insurance in Vermont is $79.58/mo.
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UPDATED: Apr 29, 2022
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|Vermont State Statistics||Details|
|Miles of Roadway||14,238|
|Uninsured % / Underinsured %||6.8%|
|Total Driving Related Deaths||Speeding: 31
|Full Coverage Average Premiums||Liability: $343.12
|Cheapest Provider||USAA CIC|
Vermont, or “The Green Mountain State”, is the second smallest state by population and the sixth smallest state in the country by area. Other interesting statistics: since 2016, it has been ranked as the safest state, and as of 2015, it is the leading producer of maple syrup in the United States.
All that talk about maple syrup may make you want to run out, jump into your car, buy some maple syrup, and put it on your pancakes.
Before you jump in that car, take a moment to read up on auto insurance, and to read this comprehensive guide. It will tell you what to know when buying auto insurance in Vermont. You will be through this guide before you can say “maple syrup.”
Okay, well, maybe not that fast. But maple syrup and pancakes can wait.
Compare rates and save money. Start today by entering your ZIP code.
Vermont Auto Insurance Coverage and Rates
Take a stroll along the dirt roads, marvel at the greenery and the beauty around you, and let Moonlight in Vermont be your soundtrack as you travel the long and winding roads of auto insurance coverage and rates.
Vermont Minimum Coverage
If you are thinking about driving without insurance in Vermont, you might want to think twice.
In Vermont, it is illegal for you to drive without the minimum amount of liability insurance, according to Vermont State Statute Title 23, Chapter 11.
An organization known as the Insurance Information Institute came up with a list of top 10 states where the highest and lowest percentage of the population were insured.
For those who live in Vermont, your state ranks number five on the list of the lowest amount of the population insured. It is in the middle of the road, with 6.8 percent of the population uninsured and driving without insurance. While this amount is low, you still need auto insurance.
At the minimum, you will need a liability auto insurance coverage. This covers you if you are in an accident and there are bodily injuries or property damage.
Vermont is an at-fault state. This means that if you are at-fault in an accident, you are responsible for paying for any property or personal damage.
The mandatory amount of insurance a driver must carry in Vermont is as follows:
- $25,000 for bodily injuries per person.
- $50,000 for total bodily injuries per accident.
- $10,000 for property damage per accident.
This minimum liability coverage is known as 25/50/10.
If stopped by a police officer, you must show your proof of insurance. Vermont is a state that allows you to show electronic proof of insurance. For convenience, you can show the officer a digital card through your insurance app on your phone, if offered by your insurance company. Double-check with your insurance company to see if they offer this service.
Something to know: Much like South Dakota, Vermont has what is called non-resident service of process law. This means that if you do not live in Vermont and are involved in an accident there, you can still be charged and have to pay for damages if you are the one at-fault in an accident.
Required Forms of Financial Responsibility in Vermont
Vermont has a specific form of insurance called Financial Responsibility Insurance. You only have to carry this type of insurance if you break the law by driving without insurance and are issued a citation.
According to the Vermont DMV, “Financial Responsibility Insurance is a type of liability insurance coverage on an individual (not on a specific vehicle). The person who has Financial Responsibility Insurance is covered to operate any vehicle (whether the vehicle is owned by this person or not).” You are required to have this insurance on file for three years.
Premiums as Percentage of Income in Vermont
Hopefully, after we pay our necessities and the things that we have to pay, we have a little bit of money left over to spend on the things we want.
The leftover money is called disposable personal income. But what is that exactly?
Disposable personal income is the amount of money you have left to spend after you have taken care of your necessary expenses and after paying your taxes.
Over the course of three years, from 2012 to 2014, Vermont in terms of annual disposable income stayed steady from 2012-2013, staying in the range of about $40,000. In 2014, annual disposable income went up to about $42,000. This is far above the countrywide average of $39,000 to $40,000 from the years 2012-2014.
But what is strange about disposable income rising is that Vermont’s median income has remained unchanged. According to the 2017 census, in all of the 257,000 households in Vermont, the median income was $57,513. This is a few thousand below the national average of $60,000. Income was lower in 2017 than it was the previous year, in 2016.
That is possible, however, due to state policies that encourage low-income people to live along, or the fact that Vermont has more widows and widowers than any other state in the nation.
American Consumer Credit Counseling advises that if you can, save 20 percent of every paycheck.
Average Monthly Auto Insurance Rates in VT (Liability, Collision, Comprehensive)
|Core Auto Insurance Coverage in Vermont||Annual Rate|
The above table illustrates data provided by the National Association of Insurance Commissioners on the average insurance costs in Vermont as of the year 2015.
The national average insurance costs are as follows:
- Liability: $516.39
- Collision: $299.73
- Comprehensive: $138.87
- Full Coverage: $954.99
Vermont runs a few hundred dollars behind the national average when it comes to liability and full coverage. It is close to the national average when it comes to collision and comprehensive coverage.
Read on to find out what are the minimum coverage for auto insurance in Vermont.
If at all possible, experts suggest purchasing more than the minimum liability amount of 25/50/10.
The data in the table below is from the National Association of Insurance Commissioners. It shows the average costs of additional liability loss ratios in Vermont.
|Additional Liability Coverage in Vermont||Loss Ratio|
|Medical Payments (Med Pay)||81.31|
|Uninsured/Underinsured Motorist Coverage||56.73|
|Uninsured/Underinsured Percentage and Rank||6.8% (47)|
A loss ratio means the percentage of claims an insurance company is paying out. If the loss ratio is over 100 percent, the company is losing money. If the loss ratio is too low, the company is not paying claims.
The national average for Med Pay is 74.05 and for 67.33 for Uninsured/Underinsured. Vermont is above the national average for Med Pay, but below the national average for Uninsured/Underinsured.
Add-ons, Endorsements, and Riders
If you want to add additional coverage to your insurance policy, good news.
There are powerful and cheap extras you can add to your insurance policy.
Hereâs a list of useful coverage available to you in Vermont:
- Guaranteed Auto Protection (GAP)
- Personal Umbrella Policy (PUP)
- Rental Reimbursement
- Emergency Roadside Assistance
- Mechanical Breakdown Insurance
- Non-Owner Auto Insurance
- Modified Auto Insurance Coverage
- Classic Auto Insurance
- Pay-as-You-Drive or Usage-Based Insurance
Vermont Automobile Insurance Plan
While there is no government-mandated low-cost auto insurance plan in Vermont, you will want to check with your insurance provider to see if they offer any kind of discount.
Average Auto Insurance Rates by Age & Gender in VT
It’s generally thought that men pay more than women for auto insurance.
Let’s take a look at the data below and see if that myth holds water in Vermont.
|Company||Married 35-year old female Annual Rate||Married 35-year old male Annual Rate||Married 60-year old female Annual Rate||Married 60-year old male Annual Rate||Single 17-year old female Annual Rate||Single 17-year old male Annual Rate||Single 25-year old female Annual Rate||Single 25-year old male Annual Rate|
|General Ins Co of America||$1,899.55||$2,055.13||$1,676.31||$1,880.55||$8,037.59||$8,935.93||$2,175.96||$2,307.62|
|State Farm Mutual Auto||$2,718.93||$2,718.93||$2,428.22||$2,428.22||$8,041.71||$10,326.54||$3,030.29||$3,369.84|
From the way the data looks, it seems that men in Vermont pay an overall higher price for auto insurance than women. That having been said, age is definitely a greater factor in determining rates, with teenagers consistently paying more.
Cheapest Rates by Zip Code
So many zip codes, and so many rates.
|Zipcode||Average Annual Rate|
You can search for your zip code in this table to find out how much you’re paying, on average, annually.
Cheapest Rates by City
|City||Average Annual Rate|
|NORTH HYDE PARK||$3,313.69|
On the list of most expensive cities, what separates the prices is either a matter of mere dollars and cents. The most expensive city, Vershire, is a town of only 629 people.
|City||Average Annual Rate|
Interestingly, the capital city of Vermont, Burlington, is on the list of least expensive cities in Vermont. Orwell, the first of the least expensive cities, is a rural town of 1,250 people.
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Best Vermont Auto Insurance Companies
There are a lot of auto insurance companies out there. You may be wondering which one is the “best”.
When the word “best” comes to your mind, maybe you look at a company’s financial rating. Maybe you look at customer ratings. Maybe you look at how cheap, or expensive, certain companies are.
Keeping in mind your definition of “best”, we can help you with making that decision. Read on to find the best auto insurance company in Vermont.
The Largest Companies’ Financial Ratings
The A.M. Best Financial Rating is put out every year, and it measures how a company is doing financially.
|Co-operative Insurance Cos||A|
|Vermont Mutual Group||A+|
Half of the companies on this list: Geico, State Farm, USAA Group, Auto-Owners Group, and Traveler’s Group, have a financial rating of A++.
Companies with Best Ratings
J.D. Power and Associates gave a study to auto insurance customers in multiple U.S. Regions. This study asked auto insurance customers to rank auto insurance companies.
In the New England Region, where Vermont is located, Amica Mutual has a rank of 879 on a 1,000 point scale, which means customers consider it “among the best”. State Farm is a close second, with a rank of 834 on a 1,000 point scale. This means customers consider State Farm “better than most”.
Companies with Most Complaints in Vermont
When it comes to customer complaints, the National Association of Insurance Commissioners (NAIC) provides a list of the top companies and the number of complaints they receive each year.
This list is as of 2017.
|Company||Number of Complaints|
|Co-operative Insurance Cos||0|
|Vermont Mutual Group||2|
State Farm has the most complaints, while Co-operative Insurance Cos had no complaints.
Cheapest Companies in Vermont
|Company||Average Annual Rate|
|General Ins Co of America||$3,621.08|
If your definition of “best” relates to the cheapest price, USAA has the cheapest price for insurance in Vermont, while Progressive Northern is the most expensive.
Commute Rates by Companies
|Company||10 Mile Commute||25 Mile Commute|
USAA offers the cheapest rates for both 10-mile commutes and 25-mile commutes. Nationwide and Progressive offer the same rates, no matter the commute.
There are a lot of factors that affect your rates, however commute times affect your rates the least.
Coverage Level Rates by Companies
|Company||Annual Rate with Low Coverage||Annual Rate with Medium Coverage||Annual Rate with High Coverage|
For a low amount of coverage, USAA has the cheapest annual rates; they have cheap rates no matter what kind of coverage you need.
Credit History Rates by Companies
|Company||Annual Rate with Good Credit History||Annual Rate with Fair Credit History||Annual Rate with Poor Credit History|
State Farm is the least forgiving company in terms of rates if you have poor credit. Nationwide is the most forgiving.
USAA offers the best fair credit rates, and Geico is the cheapest for you if you have good credit.
Driving Record Rates by Companies
Geico is the company you want to take a look at if you have a clean driving record: they offer the cheapest annual rates.
|Company||Clean Record||With 1 Accident||With 1 DUI||With 1 Speeding Violation|
USAA is the most forgiving in terms of rates when it comes to a less-than-perfect driving record.
Progressive is the most expensive company, no matter what is on your driving record.
Largest Auto Insurance Companies in Vermont
|Company||Direct Premiums Written||Market Share|
|Alfa Insurance Group||$480,743||14.46%|
|Allstate Insurance Group||$345,603||10.40%|
|Nationwide Corp Group||$92,628||2.79%|
|Amtrust NGH Group||$82,940||2.50%|
|Liberty Mutual Group||$82,140||2.47%|
|Farmers Insurance Group||$79,981||2.41%|
Number of Insurers by State
Domestic and foreign comes down to whether you want to put your stock in something local or something available nationwide.
Domestic means that the insurer is a local company based in and typically only available in the state of Vermont while foreign means a company that is based outside of Vermont and therefore available in multiple states.
There are 12 domestic insurers and 671 foreign insurers in Vermont.
So many laws, so little time.
Trying to find your way around the laws of Vermont can be confusing.
Let us help you by talking about the Vermont laws for auto insurance, vehicle licensing, and more.
Auto Insurance Laws
Before you dive in and get started you can read up on the laws, and then you can read further to get the laws of Vermont in more detail.
We will talk about how state laws are determined and about such things as windshield coverage, insurance fraud, and more.
How State Laws for Insurance are Determined
Laws have to pass through the state’s House of Representatives and the Senate before they become law.
The Vermont State Department of Financial Regulation is responsible for any and all insurance laws in the state.
Windshield & Glass Repair Laws
When it comes to coverage in Vermont for Windshield Replacement Insurance, there is nothing in the law regarding windshield and glass repair. Also, according to Car Windshields, “insurers may use aftermarket or used parts, just so long as they are ‘like kind and quality’. You have the right to decide who does the repairs.”
If you are deemed “high risk” by any auto insurance company and you cannot get auto insurance the normal way, the Vermont Automobile Insurance Plan (VT AIP) may be the solution for you.
To be eligible to enter this “high risk” pool, you have to meet three requirements:
- Certify that you tried to find auto insurance through normal means within the last 60 days and been unsuccessful.
- Have a valid driverâs license and a car registered in Vermont.
- Complete the application for the Vermont AIP completely and truthfully.
This coverage will last you for three years.
Remember, Vermont does not have a government-mandated low-cost auto insurance program, so it is up to you to ask your insurance provider if they provide any kind of discounts.
Automobile Insurance Fraud in Vermont
Insurance fraud ends up costing you money. Those who choose to commit insurance fraud cause the insurance company losses and these losses are passed down to the consumers.
What is insurance fraud? According to the Department of Financial Regulations:
Insurance fraud occurs when an insurance company, agent, adjuster or consumer commits a deliberate deception in order to obtain an illegitimate gain. It can occur during the process of buying, using, selling or underwriting insurance.
The website also advises you to Stop. Call. Confirm.
- STOP before signing any paperwork or writing a check.
- CALL your state insurance department.
- CONFIRM the company or agent offering insurance is legitimate and licensed in the state.
They also advise you to report any complaints.
The penalties for committing insurance fraud in Vermont involve fines and prison time, depending on the amount of the benefit wrongfully obtained:
f the benefit wrongfully obtained or the loss suffered by the victim has a value of:
- Less than $900.00: Up to six months in prison, a $5,000 fine, or both.
- More than $900.00: Up to five years in prison, a $10,000 fine, or both.
The Statute of Limitations in Vermont
It is important to know what a statute of limitations is, so you know how much time you have to file charges.
The statute of limitations is an amount of time you or the other party have to file charges and make your case. It protects you and the other party by giving each of you a set amount of time to file charges. Once that time limit passes, no one can file charges.
In Vermont, the statute of limitations is three years for both a personal injury case and a property damage case.
Vermont Specific Laws
The one odd law related to cars in Vermont: it is illegal for cars to backfire in Rutland.
So if you live in Rutland, you better not be letting your car backfire!
Vermont’s Vehicle Licensing Laws
If you own a car in Vermont, you will have to have insurance and you will have to have a license.
Read on to see what is needed for your car and your license.
Vermont REAL ID
Starting October 1, 2020, federal agencies will endorse what is known as the REAL ID Act.
This requires you to have a REAL ID to board flights or enter federal buildings.
The Vermont REAL ID has a star in the upper right-hand corner, like most other REAL IDs.
To know about the requirements for the Vermont Real ID, follow their checklist.
Penalties for Driving Without Insurance
Do not even consider driving without insurance in Vermont. You will be paying possible fees of up to $5,000 for every time you are caught driving without insurance.
For the first offense, you can be in prison for up to two years. For each subsequent offense, the prison time is the same, except your license plates might be seized.
Always drive with insurance.
Teen Driver Laws
You are at the age where you are itching to get behind the wheel and drive.
But not so fast.
Like most states, Vermont has a graduated license law. There are three levels to the graduate license law:
- Learner’s Permit: Apply at age 15. You must provide appropriate documents, and pass a written/vision test.
- Junior Driver’s License: Have a learner’s permit for one year. Apply at age 16. Provide appropriate documents, and have 40 hours of practice driving.
- Full License: Have held a junior license for six months.
With each level comes restrictions:
- Learner’s Permit Restrictions: Drive only with parent/guardian, a driver’s ed instructor, or someone 25 or older. Have 30 hours of driver’s ed instruction with six hours each of behind-the-wheel and observation. Practice driving for 40 hours, 10 of which must be at night.
- Junior Driver’s License Restrictions: Can drive alone, but for the first three months of holding the license, cannot drive with passengers. The following three months, can drive with family members.
- Full License: No restrictions.
Avoid distractions, and drive safely.
Interesting fact: You can drive in Vermont with a learner’s permit from another state.
Older Driver License Renewal Procedures
According to the Insurance Institute for Highway Safety, the rules for older drivers and license renewal in Vermont are straightforward.
- Older Population License Renewal: you can renew every two or four years.
- Proof of vision required: No proof of vision is required.
- Mail or online renewal permitted: Mail renewal unless a new photo is required (usually every eight years).
So, you have moved to Vermont.
What do you have to do when it comes to your license?
The Vermont DMV wants you to do the following:
- Bring your valid or expired license from your home state to the Vermont DMV.
- Bring Proof of Identity, date of birth, lawful status in the United States, Social Security number, and proof of residency.
- Surrender your out-of-state license once your Vermont one has been issued.
You have 60 days after obtaining a Vermont residency to get this done.
License Renewal Procedures
You can renew your license every two or four years; if you need a new picture on your license, this happens every eight years.
You can renew by mail unless you need a new picture on your license.
Negligent Operator Treatment System (NOTS)
Negligent operation of a vehicle is defined by the state of Vermont as “failure to exercise ordinary care while you operate a motor vehicle.”
Traffic Violation Law Firms had this to say about reckless driving:
This charge can apply when your violation of any traffic laws presents imminent hazard to other drivers, passengers or pedestrians. A more serious form of reckless driving, known as grossly negligent operation, involves a higher level of disregard for other drivers, without actual intent to harm other drivers.
If you accumulate 10 or more points in a two-year time period, your license will be suspended.
Rules of the Road
As you are traveling the roads of Vermont, make sure are following the rules of the road as well.
Find out more about the rules of the road in Vermont.
Fault vs. No-Fault
Remember, Vermont is an at-fault state. That means whoever is at fault in the accident is the one who has to pay the personal or property damages.
Seat Belts and Car Seat Laws
Wearing a seat belt and making sure any young children that need to be are in car seats is necessary to keep everyone safe. Vermont’s child safety seat laws are fairly clear-cut
Seat belts are required for the driver and all passengers between the ages of eight and seventeen and more than twenty pounds in the front seat. Violation of this is a secondary offense, meaning that the officer cannot stop you strictly for not wearing a seat belt.
Any child ages one through seven years and more than 20 pounds must be in a booster seat. Any child younger than one-year-old or less than 20 pounds must be in a rear-facing child restraint, and they must be in the rear seat unless the front passenger airbag is deactivated.
If stopped and children are not restrained, the maximum base fine is $25.
When it comes to riding in the back of a truck, there is no state law in Vermont regarding this.
Keep Right and Move Over Laws
In Vermont, the laws are as follows according to AAA:
State law requires drivers approaching a stationary law enforcement vehicle, ambulance, fire fighting vehicle, a vehicle used in rescue operations, or a towing and repair vehicle displaying signal lamps, and traveling in the same direction, to reduce speed and, if safe to do so, vacate the lane closest to the stationary vehicles.
There is no keep right law. You only need to keep right if you are driving slower than the traffic around you.
In Vermont, the speed limit is 65 miles per hour on rural interstates, 55 miles per hour on urban interstates, and 50 miles per hour on limited-access roads and other roads.
Vermont’s statewide ridesharing service has the official name of Go! Vermont and is run by the Vermont Agency of Transportation.
You can travel by bus, set up/join a carpool or vanpool, travel by bike, or at times even by ferry. There is also an option to take a train, and they offer rides for veterans as well at reduced costs, or even for free.
Automation on the Road
As of now, there are no automated vehicles deployed in Vermont. However, the Vermont Agency of Transportation is making preparations and you might see automated vehicles deployed soon!
Laws exist to help keep us safe, and the safety laws in Vermont are no exception.
Read on to find out the laws about DUI, marijuana, and distracted driving.
Driving under the influence of alcohol or any controlled substance is a crime in Vermont. You are considered under the influence of alcohol if your BAC is .08 percent or more (.04 percent or more if operating a commercial vehicle and .02 percent if driving a bus).
If you feel different, you drive differently.
Logo for the Vermont State Highway Safety Office in terms of Impaired Driving. From the Vermont State Highway Safety Office website.
If you have a BAC of .08 or more, you are consider to have a per se DUI, you can be convicted regardless if you are impaired or not.
There are penalties for driving under the influence.
You also have repercussions when it comes to your license.
License penalties. From the Driving Laws website at NOLO.
If you are stopped by a Vermont police officer on suspicion of a DUI, you give implied consent for the officer to test you. If you refuse, you will have your license suspended.
Please, do not drink and drive.
Marijuana-Impaired Driving Laws
There is no specific marijuana-impaired driving law in Vermont. It is legal to use for medical purposes and has been decriminalized if you are in possession of it.
Distracted Driving Laws
In 2017, a study revealed that Vermont ranked the worst in the United States when it came to distracted driving.
The law in Vermont states that handheld phones and texting while driving is both banned.
As quoted by the Vermont DMV:
If you are driving 70 mph, youâre traveling 100 feet per second? While writing just a three-second text message, you can go the length of a football field without looking at the road… and that is scary.
If you text and drive, you will pay between $100 to $200 for a first offense and between $250 to $500 for each subsequent offense.
If you use a hand-held phone while driving, the same above penalties apply.
Driving in Vermont
Driving, depending on your state of mind, can be a real pain.
What is it like to drive in Vermont?
The following sections discuss vehicle theft, road fatalities, traffic, and commute time.
Vehicle Theft in Vermont
|Vehicle||Model Year||Number of Thefts|
|Chevrolet Pickup (Full Size)||2001||15|
|Ford Pickup (Full Size)||2010||8|
|Ford Pickup (Small Size)||2002||5|
|GMC Pickup (Full Size)||2007||5|
The information listed above is as of 2015 from the National Insurance Crime Bureau.
The number of vehicle thefts is low in Vermont, with the 2001 Chevrolet Pickup (Full Size), being number one with only 15 stolen.
Four vehicles came in last as having the least amount stolen (five each): the 2001 Ford Pickup (Small Size), the 2007 GMC Pickup (Full Size), the 2012 Nissan Sentra, and the 2002 Subaru Impreza.
|City||Number of Vehicle Thefts|
The information listed above is as of 2016 from the FBI Criminal Justice Information Services Division.
Bennington and Brattleboro are the only double-digit cities, with 18 and 15 vehicles stolen. Many cities in Vermont have had no vehicles stolen.
Road Fatalities in Vermont
When it comes to driving, accidents happen. Unfortunately, some of these accidents are fatal.
The following sections talk about different kinds of fatal accidents you might expect in Vermont.
Fatal Crashes by Weather Condition and Light Condition
Vermont is known for its snowstorms. But do snowstorms cause the majority of the accidents in Vermont?
|Weather Condition||Daylight||Dark, but Lighted||Dark||Dawn or Dusk||Other / Unknown|
In Vermont, most crashes tend to happen during the day under normal conditions. The second time crashes most occur is in the dark but under normal conditions.
Fatalities (All Crashes) by County
This shows the fatalities over the course of five years, with data from the NHTSA.
Suffolk County, over the last five years, seems to have had the most fatalities.
Traffic Fatalities: Rural vs. Urban
This shows the fatalities over the course of 10 years.
Accidents seem to occur more in rural areas of Vermont than in urban areas, most likely because Vermont is a highly rural state.
Fatalities by Person Type
|Light Truck - Pickup||5||3||2||2||7|
|Light Truck - Utility||11||4||10||15||8|
|Light Truck - Van||3||2||1||0||0|
|Light Truck - Other||0||0||1||0||0|
|Bicyclist and Other Cyclist||0||0||4||1||0|
This shows the fatalities over the course of five years.
Passenger cars have the highest rate of fatalities in this five-year time span, while buses had the lowest rate of fatalities in the five-year time span.
Fatalities by Crash Type
|Involving a Large Truck||8||11||8||7||10|
|Involving a Rollover||15||12||7||19||14|
|Involving a Roadway Departure||62||33||44||49||49|
|Involving an Intersection (or Intersection Related)||10||5||6||6||14|
This shows the fatalities by crash type over the course of five years.
A large number of crashes have to do with single-vehicle crashes and crashes involving roadway departures.
Five-Year Trend for the Top 10 Counties
This shows the five-year trend for the top 10 counties of 2017 when it comes to fatalities.
Rutland County had the most fatalities, with Windsor County a close second.
Fatalities Involving Speeding by County
This shows the five-year trend of fatalities for speeding by county.
No county in Vermont has had any double-digit deaths due to speeding.
Fatalities Involving Alcohol-Impaired Driving by County
Rutland County had the most deaths due to alcohol-impaired driving over this five-year time span.
Teen Drinking and Driving
If you are younger than 21 years old, you are considered under the influence with a BAC of .02 or more.
You will lose your license for six months if you are caught for the first time. For the second offense, your license is suspended until you are 21.
All offenders under 21 have to take and complete an alcohol and driving program.
Do not drink and drive. It is not worth it.
EMS Response Time: Rural vs. Urban
|Region Type||Time of Crash to EMS|
|EMS Notification to|
|EMS Arrival at Scene|
to Hospital Arrival
|Time of Crash to Hospital|
|Rural||3 minutes||12 minutes||37 minutes||51 minutes||52|
|Urban||2 minutes||6 minutes||22 minutes||29 minutes||11|
Shorter response and travel times may have contributed to urban areas having fewer fatal crashes than rural areas in Vermont.
In Vermont, you most likely you live in a two-car household, drive alone to work, and spend a little less than the national average commuting.
The information for Car Ownership, Commute Time, and Commuter Transportation is from Data USA.
Most people in Vermont live in a two-car household. Three-car households in Vermont are the second-most common.
With an average commute time of 21.6 minutes, Vermont is slightly below the national average of 25.2 minutes. Additionally, 1.9 percent of Vermont’s workforce has to commute for 90 minutes or more.
Most people who live in Vermont choose to go to work alone.
Carpooling into work is a close second, due to the Go! Vermont statewide ridesharing system.
Traffic Congestion in Vermont
On the three major traffic congestion lists: INRIX, TomTom, and Numbeo, no cities in Vermont rank for the worst in traffic congestion.
But what is it like driving in Vermont?
Relatively empty roads and beautiful scenery. Take it all in with this 40-minute video.
And with that, the Vermont guide has come to a close. We hope this comprehensive auto insurance for Vermont has helped you.
Do not hesitate with your search for auto insurance. Start comparison shopping auto insurance rates today.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.