Cheap Car Insurance in Vermont

Required car insurance in Vermont

Vermont requires two main forms of auto insurance: Liability and uninsured & underinsured motorist coverage.

Optional insurance in Vermont

Medical payments (MedPay) coverage: For medical bills and funeral expenses for anyone driving or riding in your car, no matter who is at fault.

Comprehensive coverage: For theft of your vehicle or damage caused by hitting an animal, hail, flood, fire, vandalism, falling objects and explosions. If you have a car loan or lease you're probably required to have this by the lender or leasing company.

Collision coverage: For damage to your vehicle caused by hitting another vehicle or an object, like a sign post or building. If you have a car loan or lease you're probably required to have this by the lender or leasing company.

Rental reimbursement: Pays for a rental car while your vehicle is being repaired for accident damage. It usually has a daily maximum for the car rental and also a total limit.

You must show an insurance ID card (or other proof of financial responsibility) if:

• Law enforcement requests it.

Penalty for not having car insurance in Vermont

• Fine of not more than $500 and suspension of your driver's license until you provide proof of security.

Source: Property Casualty Insurers Association of America

Updated Sept. 5, 2019