Vermont, “The Green Mountain State”, is the only New England state that does not border the Atlantic Ocean. With no buildings taller than 124 feet and the least populated capital city in the U.S., Vermont has surprises of all kinds. The Green Mountains cover the center of the state, and the country’s top maple-producing trees call this little mountain range home. A key figure in the revolutionary war and the first state following the 13 colonies, this state takes pride in its American heritage. Forests cover nearly 80 percent of the state, and marshes, meadows and lakes cover the rest. This refreshing state can provide some relaxing drives, and CheapCarInsurance.net wants to make sure “Vermonters” can have time to relax more often. After hunting high and low for all the necessary car insurance information for the state, CheapCarInsurance.net sifted through it all and compiled it here in this simple list.
Taking the guesswork out of laws and regulations simplifies life. Everything essential to driving and insuring in Vermont is included in this list, taking the guesswork out of the always-changing regulations.
Distraction.gov reports that Vermont currently has a ban on texting for all drivers, and effective in October, 2014, all cell phone use (hands-free and handheld) will be banned for all drivers.
Vermont is a state with a long lineage, and some of the laws still on its books reflect the old lineage more than the new. An example would be the state ordinance that requires a husband’s permission for a woman to get false teeth. A state law forbids anyone from painting a horse or whistling underwater, and all residents must bathe every Saturday night!
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Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.
Vermont’s average car insurance premiums were beneath the nation’s by 136 in 2008 and they have remained so since. Vermont’s average car insurance premiums as a percentage of income are also below the national average.
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Vermont’s drunk driving fatalities shot from below the national average to above in 2011. The National Highway Traffic Safety Administration recorded the national average in 2012 at 31 percent, and Vermont managed to bring its percentage back under the average at 30 percent. The numbers of fatalities continued to drop in 2013 and 2014.
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Slightly below the national average, Vermont’s teens drink and drive less than their neighboring peers.
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Dipping to 69.5, Vermont’s vehicle theft rate ended 2012 160 points below the national average. Theft rates dropped again in 2013 and 2014. The FBI indicated a slight decline in the nation’s average to 229, still keeping it well above Vermont’s.
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Vermont Department of Financial Regulation
Insurance Division
89 Main St.
Montpelier, VT 05620
(802) 828-3301
dfr.vermont.gov/insurance/insurance-division
Get Directions
Vermont Agency of Transportation
One National Life Drive
Montpelier, VT 05633-5001
(802) 828-2657
vtrans.vermont.gov
Get Directions
Vermont Department of Motor Vehicles
120 State St.
Montpelier, VT 05603-0001
(802) 828-2000
888-99-VERMONT (888-998-3766)
dmv.vermont.gov
Get Directions
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