Vermont
Auto Insurance Coverages
How do you choose the car insurance that is right for you when there are so many companies offering auto insurance in Vermont? Whether you live in Burlington, Montpelier, Bennington or Island Pond, Allstate offers a wide selection of auto insurance policies, optional insurance coverages and other insurance products just for Vermont. And when your auto insurance needs change, your local Allstate agent will help you make the right choices. If you have a teen driver, there are some additional considerations your local Allstate agent can help you with. Refer to the VT's Graduated Driver Licensing chart below for more information.
For more information on this state, visit the Vermont State Information or Vermont State Catastrophe page.
Vermont Coverage Scale
As you consider what auto insurance coverages are right for you, keep in mind that Vermont has required minimum coverage levels. Only you can decide what auto insurance coverages are right for you, but refer to the chart below for more information about Vermont-required coverage levels and the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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25,000/50,000
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100,000/300,000
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Property Damage Liability
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10,000
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50,000
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Uninsured Motorist Bodily Injury
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50,000/100,000
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100,000/300,000
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Uninsured Motorist Property Damage
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5,000
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5,000
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Medical Payments
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Not required
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5,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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50 deductible
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Vermont Graduated Driver Licensing
Graduated Driver Licensing (GDL) laws are one of the few things that have been proven to save teen lives. Vermont has its own variation of these laws that both you and your teen should be familiar with them. You may want to discuss the Vermont GDL laws with your teen and use them as a foundation for rules you set for your teen driver.
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Minimum Entry Age
(Optimal: 16)
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15
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has no provision
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Passenger Restriction
(Optimal: No teenager passengers or only one-family excepted)
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Has optimal provision
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Minimum exit age/ Minimum age at which restrictions are lifted
(Optimal: 18)
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16 years, 6 mo.
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Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Connecticut, Maine, New Hampshire, New York, Pennsylvania
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Vermont. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.
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