Vermont, the original state of green, is the 14th state of America. The state was considered New Connecticut and part of the territory of New Hampshire Grants, which was disputed between New York and Massachusetts for some time. It was one of only 4 states to ever be an independent sovereign state before joining the United States of America. The state was always slave free as well. The Green Mountains stretch north to south across the state with New Hampshire on the east and Lake Champlain to the west making it the only state in New England to not have part of its boarder on the Atlantic Ocean. Skiing, snowboarding, and many other outdoor sports are popular to Vermont residents and tourists alike. There are large quarries in the state, as well as, Ben & Jerry’s Ice Cream, rich environmental protection for a great range of wildlife, educational institutions, art, and farming. The state provides many perks, but also has its automotive backlashes even with its lax tax on automobiles.
Average Auto Insurance Prices in Vermont
Here is a range of annual automotive insurance rates for cities and towns in the state of Vermont:
- Burlington – $873
- Grand Isle – $903
- Fairfax – $911
- Troy – $981
- Albany – $941
- Averill – $936
- Stowe – $923
- Montpelier – $906
- Athens – $935
Minimum Auto Insurance Requirements in Vermont
- Bodily Injury Liability : 25,000/50,000
- Property Damage Liability : 10,000
- Uninsured Motorist Bodily Injury : 50,000/100,000
- Uninsured Motorist Property Damage : 5,000
- Medical Payments : Not Required
- Collision : Not Required
- Comprehensive : Not Required
We also recommend looking at what most people in Vermont choose for automotive insurance rates. Sometimes the locals know best and if they choose more coverage, it may not hurt to look at their most common coverages.
Recommended Insurance Coverage Amounts In VT
- Bodily Injury Liability : 100,000/300,000
- Property Damage Liability : 50,000
- Uninsured Motorist Bodily Injury : 100,000/300,000
- Uninsured Motorist Property Damage : 5,000
- Medical Payments : 5,000
- Collision : 500 deductible
- Comprehensive : 50 deductible
New Drivers In Vermont
Also remember that new drivers and graduated driver licensing regulations may be similar to other states but there may be standards that one might not be aware of. Let’s take a look at how this process breaks down:
*Minimum Entry Age – 15, while 16 is optimal
*Extended Learner Period – after at least 6 months provides optimal provision
*Parent Certification – 30 hours minimum provides optimal provision
*Night Restriction – 9 or 10 p.m. with no provision
*Passenger Restriction – one family member provides optimal provision *Minimum Exit Age / Minimum Age At Which Restrictions Are Lifted : 16 years, 6 months but optimal is 18.
Penalties for Driving Without Auto Insurance in Vermont
Vermont has one of the highest insurance rates in the country statistically even with its small size and low population. Truckers use the roads in Vermont a lot for importing and exporting to and from Canada so it is in the state’s, country’s, and international business’ best interest to keep them safe and with only approved drivers on the roads. Penalties are expressed simply and straight to the point if you consider driving without the necessary documentation and approval from the state DMV.
Quickly I will explain how to begin and then how to avoid penalties and unnecessary repercussions. The registration process is started by one providing proof of automotive insurance to the DMV; if you allow this coverage to lapse and you are driving thus having no proof of active insurance, you can face a civil traffic citation or ticket. This becomes a required payment of a fine, additional points against your driving privileges or license, and/or the requirement to file for financial responsibility insurance with the state DMV. If the incident is within a field of variables, loss of license can occur by order of the Commissioner of Motor Vehicles. This field consists of these instances: accident, driving under the influence, leaving the scene of an accident, driving recklessly with death occurring to another, driving with a suspended license. Doing the right thing is often the easiest and more efficient way to live, even if it means tossing in a few extra clams ($).
4-Insure and Getting Started With Insurance In Vermont
forautoinsurancequotes is a great way to find automotive insurance in Vermont whether you are living, moving to, or going to school in Vermont. We take samples of your information that you provide to use about you, your driving history, your vehicle and process them into quotes from reputable agents from the best and most cost effective agencies.
Information helps because our quote tool filters the information through the databases of our and our partners average rates to provide you with an honest and affordable rate on automotive insurance. We will do the real pinball work, you just need to start the game and we will do the work as you take it easy. The automotive insurance process should be easy, and that is why we do it right.