Vermont Car Insurance 101 (Compare Costs & Companies)

Vermont has some of the lowest car insurance rates in the nation, but drivers who familiarize themselves with the car insurance requirements in Vermont in our Vermont car insurance 101 guide may be able to save even more.

We’ve compiled everything you need to know about comparing and buying affordable car insurance in Vermont in this comprehensive guide, from the best companies to the best discounts. If you want to see instant Vermont auto insurance rates for your area, enter your ZIP Code in the quote box above.

Vermont Car Insurance Coverage and Rates

Although Vermont is a small state, the competition for car insurance companies is the same as other states. As you go through this section, you’ll see car insurance coverage rates you can expect from car insurance companies in Vermont.

State’s Car Culture

Vehicles equipped for the winter weather and cost-efficient vehicles are the winners in the state of Vermont.

The culture of vehicles in Vermont has inspired drivers of the state to be more eco-friendly. Advocates and state officials encourage biodiesel and electric cars so much so that they are investing time and money into electric cars, self-driving vehicles, and cleaner fuel options.

Minimum Coverage Requirements

The minimum requirements for car insurance in Vermont are under the 25/50/10 rule.

This means the minimum coverage for insurance is $25,00 for injury or death of one person per accident, $50,000 for injury or death to two or more per accident, and $10,000 for property damage per accident.

In addition to the 25/50/10 rule, Vermont motorists will have uninsured/underinsured motorist insurance attached to their policies.

Uninsured/underinsured motorist insurance covers a motorist who is in a car accident with another motorist who does not have car insurance or has car insurance that has insufficient coverage amounts to compensate for injuries or damages.

The minimum requirements for uninsured/underinsured car coverage are $50,000 for injury or death of one person per accident and $100,000 for injury or death of two or more per accident.

Forms of Financial Responsibility

All motorists in the U.S. should have forms of financial responsibility in their homes and their vehicles. Forms of financial responsibility are proof that you have car insurance and that you’re a licensed driver.

Any insurance card, insurance billing statement, or digital insurance information can be considered a form of financial responsibility.

Electronic or digital forms of financial responsibility are valid in some states, but it’s always a good idea to keep physical copies of your insurance information.

In addition to car insurance information, be sure to have your license and registration available in case you’re pulled over by law enforcement or making a visit to the department of motor vehicles (DMV).

Premiums as a Percentage of Income

Car insurance premiums can be expensive. But how expensive are premiums per year? When car insurance companies issue a policy, they’ll likely show you the policy’s annual cost.

To determine how expensive it is for a policyholder, you may want to ask how car insurance affects your annual income.

Before we get into that, let’s look at Vermont’s average annual premiums from a three-year trend and see insurance as a percentage of income. In addition to Vermont, let’s compare the percentage to other states and the national average.

From 2012 to 2014, insurance as a percentage of income was approximately two percent in Vermont.  However, the incomes in the table only account for the average income of residents living in Vermont.

You can determine how car insurance premiums as a percentage of income by dividing your average annual premium into your yearly income.

For example, if the average annual premium is $750 and your annual income is $31,500, you would divide 750 / 31,500. The solution that equation is a decimal answer of 0.0238. Move the decimal two places to get 2.38, which is 2.38 percent.

Therefore, insurance as a percentage of $31,500 income would be 2.38 percent.

Try it for yourself. Use the CalculatorPro tool here to determine how your policy’s premium as a percentage of income. It does the math for you, giving you instant results.

Core Coverage

Core coverage is the average cost of annual premiums in the state of Vermont.

Liability coverage is the minimum requirement needed to be insured in any state. It covers the necessities of coverage in the state.

Collision coverage adds additional coverage for property damage costs that exceed the liability coverage limits.

Comprehensive coverage is coverage for damages to your vehicle due to circumstances that are out of your control, such as vehicle damage from falling objects, vehicle theft, or storm damage.

Full coverage for car insurance is the combination of liability, collision, and comprehensive coverages.

Here’s another look at liability, collision, comprehensive, and full coverage premiums.

As you can see here in the data, Vermont’s car insurance premiums are much lower than the national average.

Additional Liability

Be aware of additional liabilities when you enroll in car insurance. In Vermont, uninsured/underinsured (UIM/UUM) coverage is an additional liability required by the state.

Because it’s required, it’s attached to your car insurance policy, so you won’t have to worry about additional fees.

Other additional liabilities in car insurance are known as medical payments (MedPay) and personal injury protection (PIP).

PIP is not required in Vermont.

MedPay is an additional liability that compensates injured motorists’ medical bills, while PIP coverage additional medical bills, lost wages, and other personal injuries such as mental or emotional distress caused after an accident.

A way we can determine the performance of state insurances and how they handle claims is through loss ratio.

The loss ratio is the number of claims being paid out and the money an insurance company earns.

Let’s review the loss ratio of Vermont’s car insurance companies and see how they performed.

Ratios close to 100 show that most car insurance companies paid their claims effectively and earned money along the way.

Ratios that are too close or exceed 100 shows that a car insurance company isn’t earning money, and ratios too low indicate a car insurance company(s) aren’t paying out claims.

For example, the loss ratio for MedPay in 2014 was 78.56 percent. So for every $100 that a car insurance company earned, they paid out $79 to claims.

Add-ons, Endorsements, and Riders

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

Male vs. Female Rates

Age, gender, and marital is a factor in determining how much you pay for car insurance per year. Car insurance companies evaluate the risk of all their policyholders. Based on statistics, they’ll assess these risks and calculate the annual premium based on that data.

Statistics show that young, single males have a higher risk of getting into car accidents, and it shows in the average annual rates no matter what company you enroll in.

Let’s examine some of those annual premiums by each major company in Vermont.

Seventeen-year-old drivers have the most expensive premiums, but older, married drivers have much cheaper premiums. Older drivers have cheaper premiums due to their driving experience and low risk of car accidents.

Motorists 25 years and older do pay more, but there isn’t a major disparity between older, married motorists.

Cheapest Rates by ZIP Code

Car insurance premiums are often determined by ZIP code, also. This is because of the growth and prosperity of an area. Areas, where a lot of people commute and work, are likely to have more expensive annual premiums such as urban areas.

Here are the cheapest ZIP codes in Vermont.

The most expensive insurance companies are Progressive and State Farm, while Geico and Nationwide are the cheapest in the data.

Cheapest Rates by CITY

Let’s broaden the spectrum and talk about the rates by city. The same principle applies in that cities with higher populations, and high levels of prosperity usually have more expensive premiums.

Higher levels of prosperity could refer to the median value of vehicles and property within the city. Let’s continue examining average annual premiums by looking at the annual premiums of each city in Vermont.

Vershire, Vermont is the most expensive city for car insurance, and the least expensive city is Orwell, Vermont.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best Vermont Car Insurance Companies

The guides we provide are here to inform you. Therefore, we won’t say which company is the best. That opinion is up to you. What we can do is inform you of some of the largest companies based on objective data provided by agencies across the U.S.

This section covers reviews and ratings from financial and customer satisfaction agencies. In addition to agency reviews, we’ll provide factors that determine car insurance annual premiums and the number of insurers in the state of Vermont.

The Largest Companies Financial Rating

We’ll begin with financial ratings. One of the most credible financial rating agencies is A.M. Best. Every year they measure the financial strength of car insurance companies through their agency’s rating system.

Here’s the financial strength rating of the largest insurance companies.

Each company has an excellent financial strength rating. Every company listed does business across the U.S., making them a popular chain most motorists use for car insurance.

Companies with Best Ratings

But how are these large companies with customers? J.D. Power, another business review agency, issues an annual press release noting customer satisfaction of car insurance companies in the U.S.

J.D. Power has its rating system, which is the overall satisfaction score and the power circle ratings.

J.D. Power’s overall satisfaction score is measured on a 1,000-point scale, which is determined by customer service, billing, and ease of use. The power circle ratings are based on opinions from customers who have used or owned the product or service.

J.D. Power review companies by region instead of by the state. Vermont is in the U.S. New England region. Let’s review the ratings from J.D. Power.

The New England Region value in the data is the average score of the region. So it’s likely that car insurance companies in the New England Region do moderately well when dealing with their customers.

Amica Mutual and USAA scored the highest points and highest power circle ratings in the New England Region.

Companies with Most Complaints in Vermont

Complaints are common among car insurance companies. However, the severity of each is based on individual events and policyholders. When consumers make complaints, car insurance has opportunities to fix or improve policies and procedures.

But which companies have the most complaints? We put together some information from our database and simplified the complaint data in a table. Here are the results.

The exposure value in the table is another name for the number of policies. The complaint ratio is the number of justified complaints per 100,000 policies.

State Farm and Geico had the highest number of complaints despite having some of the cheapest car insurance companies in the annual premiums in the demographic data.

CHEAPEST Companies in Vermont

Before we move onto other factors that determine car insurance, let’s look at some of the cheapest car insurance companies in Vermont.

The average annual rate is much higher than the core coverage rates you saw at the beginning of the guide.

How come? When all the determining factors such as age, commute rate, etc., have been considered, the core coverage rate for full coverage increases based on those factors.

The Vermont annual average is $3,234.13. Therefore, we’ll compare annual averages from major companies in Vermont to Vermont’s average annual premium.

Geico, Nationwide, and USAA have the cheapest available rates. All three companies have an annual average that over $1,000 less than the Vermont state average. The highest percentage compared to the state average is held by Progressive.

Commute Rates by Companies

One factor used to determine your car insurance per year is commute mileage. This is the estimated mileage you’re expected to take within the year of the policy. Let’s examine annual premiums determined by commute mileage.

Commute mileage is split into two groups 6,000 miles per year and 12,000 miles per year. The average motorist in Vermont travels approximately 13,000 miles per year. For some of the companies in the table, the annual premium doesn’t change between the two groups.

Coverage Level Rates by Companies

If you think the 25/50/10 minimum requirement isn’t enough to cover for medical payments or property damage, you’re able to enroll in medium or high coverage.

This method will allow you to have higher coverage limits in case you’re in a car accident that exceeds the state minimum requirement rule.

An example of medium coverage is car insurance companies doubling the coverage limits of state minimum requirements such as 50/100/50 for medium coverage and 100/300/100 for high coverage.

Let’s see how the average annual premiums for each company based on coverage level.

Coverage level rules could be different for each company so you’ll have to consult each one as you shop for car insurance.

Progressive, State Farm, and Liberty Mutual have annual premiums more expensive than Vermont’s average annual premium. The cheapest based on coverage level is Nationwide and USAA.

USAA is only available for military members and their immediate families.

Credit History Rates by Companies

Your credit score can determine your car insurance premium, also. A car insurance company may look at your credit score to review your credit history. If you have a poor credit score or a history of nonpayments, a car insurance company may deny you coverage.

If they offer you a policy, you’re likely to pay an exceptional amount for car insurance with a poor credit rating.

What’s it like for those who have fair and good credit ratings?

This data will show the annual premiums based on credit history in Vermont.

Those with fair and good credit are likely to pay less than the state average. Some of the averages listed over $1,500 less than Vermont’s average.

These discounted premiums help save motorist money, so look for ways to improve your credit score make car insurance much more cost-efficient.

Driving Record Rates by Companies

Credit history and commute rates won’t matter if you’re prone to car accidents, DUI convictions, or speeding violations. A questionable driving record could get you denied for car insurance if they consider you a high-risk driver.

If you’re shopping for a policy or already have a policy and happen to have one of three violations on your record, you could face more than average annual premiums. Here are the rates you’re likely to see.

Speeding tickets had the cheapest increase among annual premiums. The most expensive premiums are under DUI convictions. The only two companies will lower than average premiums were Nationwide and USAA.

Largest Car Insurance Companies in Vermont

We looked at the best financial ratings earlier in this section, which showed the direct premiums written, loss ratio, and market share. Direct premiums written refers to a car insurance company’s growth during a given time.

Market share is the percentage of a particular industry.

For this sub-section, let’s narrow our scope and look at those elements of car insurance companies in Vermont.

Geico and Progressive had the highest direct premiums written and had the largest market share in Vermont. Allstate and Vermont Mutual had the lowest loss ratio.

Number of Insurers in Vermont

An insurer is a person or company that issues a policy. Car insurance companies and agents are separated into two categories: Domestic and Foreign

Domestic insurers are insurers who operate under in-state law, while foreign insurers operate under laws from another state.

There are 12 domestic insurers and 671 foreign insurers in Vermont. That’s a total of 683 insurers in the state.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Vermont Laws

Laws in Vermont are like any other law in the U.S. There are a few laws that are unique to the state, but when it comes to road safety law, licenses, and car insurance, the laws are nearly the same.

This section of the guide explores Vermont laws relevant to car insurance laws, road safety laws, and license laws you’ll need to know to be a good driver in Vermont.

Car Insurance Laws

There’s no way to absorb all the information of Vermont’s laws. But we will provide you with the essential laws to prepare you for Vermont’s roadways. First, we’ll talk about how insurance law is determined in Vermont.

How Vermont Laws for Insurance are Determined

Car insurance companies in Vermont go by a law known as use-and-file.

The use-and-file law states that insurers can use new rules or premiums at their preference. Still, the insurers (car insurance companies) have to file new rules and premiums (rates) with a regulator in a specific period.

The National Association of Insurance Commissioners (NAIC) reported that insurers that don’t have information to support new rules and increased rates would have their proposals disapproved.

Windshield Coverage

Vermont is one of the states where zero deductibles for replacement windshields are not law.

Also, the law in Vermont says a vehicle’s windshield must be replaced if cracks, star cracks larger than two inches, and other damages to the windshield obstruct a motorist’s view.

Although zero deductible isn’t law, some car insurance companies offer zero deductible for windshield under comprehensive car insurance.

High-Risk Insurance

When a driver has been in several car accidents, has a lot of speeding and traffic violations, or has more than one DUI conviction, they become a high-risk driver. High-risk drivers are more than likely to be denied car insurance coverage.

If a lot of car insurance companies have denied you coverage, you have to enlist in SR22 insurance.

Vermont’s version of SR22 insurance is called the Vermont Automobile Insurance Plan (VTAIP). This program was established in 1969 and give high-risk drivers an option for car insurance. VTAIP or SR22 applications can be found at your local Vermont DMV.

To be eligible for VTAIP risk pool, you must verify that you have attempted to find car insurance through the voluntary market within the last 60 days without success. Be sure to have your driver’s license and proof of registration with you.

Once you have the required information, complete a VTAIP application. Be honest on the application. Any false information on the application will result in the loss of eligibility.

Low-Cost Insurance

Low-cost insurance refers to lower than average premiums that are offered by the government. Many know it as state-sponsored car insurance. Unfortunately, the state of Vermont does not provide that. State-sponsored insurance is only available in California, Hawaii, and New Jersey.

Automobile Insurance Fraud in Vermont

Fraud is a crime. Some frauds are considered misdemeanors. Frauds that exceed thousands of dollars may be considered a felony.

Vermont law states that no one shall defraud any person or company to gain or attempt to gain a claim from an insurance company.

The penalties for fraud vary. Here are Vermont’s penalties for committing fraud:

• Fraud committed that’s under $900 has a penalty of a$5,000 fine and six months in prison.
• Fraud committed that’s over $900 has a penalty of $10,000 fine and 10 years in prison.

Car accidents can be problematic. If you’re at-fault, be sure to take the necessary steps and alert your car insurance company. Fraud isn’t something you can always see coming, but if you feel something isn’t right, contact Vermont Consumer Inquiries.

Their contact information is listed below.

Consumer Inquiries
802-828-3302 or 800-964-1784
[email protected]

Statute of Limitations

The statute of limitations is the time in which a driver, passenger, or company can file a claim or pursue legal action against another. Report car accidents to car insurance companies right away. Don’t wait to file a claim.

The statute of limitations for personal injury is three years and three years for property damage.

The statute of limitations begins when the event happens, not when the event is reported.

Vermont Specific Laws

This is the most entertaining section of our guide. When you mention laws specific to a city or state, you’re likely to find some interesting and rather ridiculous information. Some of the state or city-specific laws are sensible while others are quite laughable. Let’s review a few of them.

Did you know it’s illegal to undress in public in Vermont? However, if you leave your house in the nude, it’s fine. Decency laws negate this law, but it’s funny that it’s a law.

In Vermont, it’s illegal to whistle underwater and to defame the court.

You won’t see any billboards, either. Billboards were outlawed in Vermont in 1968.

Vehicle Licensing Laws

The first thing you’ll need to do when you get a new vehicle or move to another state is to register your vehicle in the state.

Vermont has recently updated their license and ID credentials. Take a look at this video for more information.

The second step is to be sure you’re licensed. New drivers and new residents will need a driver’s license. We’ll walk you through the process in this sub-section.

REAL ID

REAL ID has been around since Congress passed it in 2005. In recent years, REAL ID became the required method to verify the identity of Americans.

Vermont is one of many states that complies with REAL ID regulations.

By October 2020, travelers who want to fly domestically must have a passport or a REAL ID. Also, all federal facilities are requiring U.S. citizens to get a REAL ID to enter their facility.

Vermont’s DMV gives detailed information on how REAL ID works in their state. Watch the video here.

Anyone with a driver’s license or personal ID that’s not expired, are eligible to receive a REAL ID.

Penalties for Driving Without Insurance

In Vermont, driving without car insurance carries a $500 fine or more for subsequent offenses. Also, the driver could have their driver’s license suspended until they get car insurance.

Don’t take a chance. Driving without car insurance can be costly if you’re in a car accident. In addition to having your car towed and impounded, you can face expensive legal trouble.

Teen Driver Laws

Teenagers who are at least 15 years old are allowed to apply for a learner’s permit. A learner’s permit costs $20.

If teen drivers hold the learner’s permit for a year without it being recalled, suspended, or revoked, the individual teen can apply for a junior driver’s license.

Parents are encouraged to bring proof of identity, date of birth, social security number, proof of insurance, and proof of Vermont residency.

Junior driver’s license is issued to teens who are 16 and 17 years old who pass Vermont’s required driving examination. Parents and legal guardians must sign an application to consent to the testing given by the DMV. A junior driver’s license will cost $32.

For teens to get a driver’s license, they must pass a state-approved driver course. These courses are six hours of observation, 30 hours of studying, and six hours of wheeling training.

The driver education courses are available in high schools across Vermont. Also, there are commercial driving training courses provided by Vermont’s Department of Education.

For a teen to get a full Vermont driver’s license, they must:

• Be at least 16 or 17 years with your learner’s permit. Permit can’t be expired.
• Successful completion of a driver course. Out-of-state driving courses must be verified through documentation from the driving course instructor or DMV official.

A driving log sheet must be provided, showing the teen’s driving progress. They’ll need over 40 hours of day time driving practice and 10 hours of nighttime driving practice.

All procedures concerning a full driver’s license require parents or legal guardians permission. Parents should provide proof of identity, date of birth, social security number, proof of car insurance, and proof of residency.

Once the teen passes the road and vision tests and has a valid vehicle inspection, they will be fully licensed and are free to travel the roadways of Vermont without restrictions.

Older Driver License Renewal Procedures

All Vermont motorists will receive a 30-day notice before their license is expired. Older or elderly drivers have the same requirements as all other drivers in the state.

All drivers in Vermont must renew their driver’s licenses every two to four years.

A vision test is not required to renew. Elderly drivers can renew their license online, by mail, or in-person at the DMV.

New Residents

Drivers seeking residency in Vermont should obtain a driver’s license within 60 days of residency. New residents must provide documentation such as proof of identity, proof of age, proof of U.S. citizenship, proof of residency in Vermont, and a social security number.

If the out-of-state license expires before the 60 days, you’ll need to acquire a Vermont driver’s license before it expires. If you’re unsuccessful, you have to take the road, vision, and skills tests. The cost of the driver’s license conversion depends on which one you need.

License renewal procedures

The license renewal is the same for all drivers in Vermont. A renewal 30-day notice will come in the mail alerting the motorist that their license is about to expire. Expect to renew your Vermont driver’s license every two to four years.

A two-year driver’s license is $32, and a four-year driver’s license is $51

Motorists can go to the DMV to renew their licenses, but the State of Vermont encourages motorists to renew their licenses online or by mail.

Negligent Operator Treatment System (NOTS)

Vermont defines a negligent operator as a motorist who operates a motor vehicle in a manner that’s guilty of negligent operation. Negligent operation or negligent driving is identified as reckless driving, speeding, driving slowly in the left lane, or any inappropriate manner.

Negligent operation of any motor vehicle could lead to fines up to $1,000 and/or a prison sentence of no more than a year. Operating your vehicle negligently could lead to 10 demerit points being added to your license.

Rules of the Road

Now that we mentioned driving the roadways of Vermont, let’s talk about some of the rules on the road. This sub-section will cover the fault rules of Vermont, seat belt laws, keep right rules, speed limits, ridesharing, and automation on the road.

Fault vs. No-Fault

Vermont is a fault state. This at-fault driver is responsible for personal injury costs. The at-fault driver’s car insurance company will have to compensate for the personal injuries when the no-fault driver files a claim.

However, the injured driver must prove that the at-fault driver caused the injuries. Some motorists have PIP on their policies even though it’s not required in Vermont.

Seat belt and car seat laws

All drivers and passengers seated in a motor vehicle must wear a seat belt. The Vermont seat belt law was established in January 1994.

The maximum fine for a seat belt violation is $25.

Children car seat laws state that all children should be in car seats or some sort of safety restraints to protect the child during a commute.

Children younger than one-year-old or that weigh less than 20 pounds should be in a rear-facing child restraint.

Children must be in a rear seat unless the front passenger air bag is deactivated.

Children ages one through seven and weigh more than 20 pounds should be in a child restraint or booster seat. Individuals who are eight through 17 years and weigh more than 20 pounds should be in a seat belt, also.

Keep Right and Move Over Laws

Vermont’s keep right law is similar to most U.S. states. All motorists should keep right on highways and allow faster, express traffic travel in the left lanes. Use the left lane only if you’re turning left.

Speed Limits

Vermont has a lower than average speed limit. Rural interstates in Vermont reach 65 mph while urban interstates have speed limits up to 55 mph. Other access roads and limited access roads have a speed limit of 55 mph.

Ridesharing

Ridesharing has become the biggest craze in the last few years. Services like Uber and Lyft are all over the U.S. Don’t forget, there are still taxis in the state.

Some car insurance companies have insurance designed for rideshare vehicles. Talk to your insurance company to find out how you can get specialized insurance for your rideshare vehicle.

Automation on the Road

Automation on the road is in its testing phase in Vermont. The state is known for its enthusiasm for more energy-efficient technology. Vermont officials require that automation testers be licensed to operate automation vehicles, and the operator must be inside the vehicle.

The highest liability for automation on the road is $5 million.

Safety Laws

The last sub-section of this guide covers safety law. It focuses mainly on DUI laws, marijuana-impaired law, and distracted driving laws. These laws are just important due to the fines and possible prison time.

DUI Laws

We’ve summarized the DUI laws in a data table.

The BAC Limit (blood alcohol limit) in Vermont is 0.08. Driving under the influence is a misdemeanor. Vermont has an unlimited washout period. So if you commit a DUI, there is no washout period. A DUI can be held against you even if it was 20 years ago.

Marijuana-Impaired Driving Laws

Vermont doesn’t appear to have any marijuana-impaired driving laws. However, if you’re driving while high on marijuana, law enforcement may arrest you and impound your car. Don’t take chances.

Distracted Driving Laws

Distracted driving laws are also known as hands-free law. In recent years, state courts have been strict on motorists who use devices while operating a motor vehicle.

Vermont has banned all drivers from using devices while driving. The hands-free law is a primary enforcement law, which means law enforcement can pull you over if you’re caught using a device while driving.

The only exception is using a cellphone to report an emergency.

Driving Safely in Vermont

What is driving in Vermont like? Is it safe?

Overall, the answer is yes. It is safe to drive in Vermont, but you will find some things in Vermont that are not so safe.

This section of the guide will cover some vehicle theft data, crash fatality data, teen DUI arrest numbers, and EMS response time.

Vehicle Theft in Vermont

The first thing we’ll talk about is vehicle theft. Even though Vermont’s population is much less than some large and popular cities in the U.S., the state’s motorists still have a chance to encounter vehicle theft.

Here is a list of data that describes the top 10 vehicles that were stolen in Vermont.

SUVs and trucks were the biggest targets of vehicle thieves. Criminals don’t target these vehicles for their fuel-efficiency or their ability to handle rugged mountainous roads. These vehicles are likely more cost-efficient and more popular for the drivers in the state.

Let’s broaden our scope and look at vehicle theft numbers by each city in Vermont.

Most cities in Vermont didn’t have any vehicle thefts. Bennington, Brattleboro, and Essex had the highest vehicle thefts in the state.

Road Fatalities in Vermont

One of the reasons why car insurance companies charge so much for car insurance is the number of people that die from car crashes. It’s one of many reasons why law enforcement and state courts are tough on motorists who commit DUI or reckless driving.

Most Fatal Highway in Vermont

Highway US-7 is the most dangerous highway in Vermont.  US-7 is an undivided four-lane highway that’s had 50 fatal crashes in the last decade.

Fatal Crashes by Weather Condition and Light Condition

Let’s review how weather and light conditions affect drivers in Vermont.

There are more fatal crashes when it’s daylight at normal conditions than any other condition.

Fatalities (All Crashes) by County

What was the total number of fatal crashes by county in Vermont? We’ll look at the total fatality numbers.

Essex County had the most fatal crashes, with 33 fatal crashes per 100,000 crashes.

Traffic Fatalities

What about traffic? We’ve collected data for traffic fatalities. Let’s examine the numbers.

Urban traffic fatalities had a steady increase until 2018. Rural traffic fatalities have increased in a five-year trend.

Fatalities by Person Type

What type of car do motorists drive when they’re in a car accident? Let’s examine more data.

More passenger cars were involved in fatal crashes than trucks and pedestrians.

Fatalities by Crash Type

This data table has more detail. It explains what kind of vehicle, shows total vehicle crashes, and how the vehicles were involved in the accident.

Most fatal vehicle crashes were involved in crashes that had roadway departures, which means vehicles left the roadway once they collided.

Five-Year Trend For The Top 10 Counties

Let’s concentrate our data and focus on the 10 counties that had the most fatalities.

Fatalities in Windsor County increased every year in a five-year trend.

Fatalities Involving Speeding by County

How did speeding affect the total crashes? Here’s some data describing those numbers.

Grand Isle County wasn’t impacted by fatal crashes due to speeding, but Essex County had the most fatal crashes in the same five-year trend.

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

This data table can serve as an explanation for the dramatic increase in car insurance rates when a motorist commits DUI. Law enforcement fights every minute of the day to prevent DUI fatalities, but they do occur.

Let’s review the number of alcohol-impaired driver fatalities by county in Vermont.

Rutland County, Franklin County, Lamoille County, and Caledonia County had the most alcohol-impaired driver fatalities within the last five years.

Teen Drinking and Driving

Law enforcement has a zero-tolerance policy for underage drinking.

The data table shows Vermont’s rank in teen DUI arrests and how many teens are arrested per million people.

Vermont had 68 total arrests per million people and ranked 38th in the U.S.

EMS Response Time

Emergency vehicle response time is determined by road conditions, traffic conditions, and mileage. It can be even more of a challenge for EMS. Let’s review the average time it takes for EMS to respond to fatal crashes in Vermont.

EMS response time from the time of the crash to the arrival of the hospital is nearly 30 minutes for urban areas and approximately one hour for rural areas.

Transportation in Vermont

Our transportation section stems from Data USA’s 2017 data. Data USA contains extensive data of all 50 states and their cities. Their transportation data lists car ownership percentage, average commute time, and common methods of travel.

Lastly, we’ll cover how you can view traffic congestion in real-time.

Car Ownership

Most Vermont motorists owned two cars, which is 46 percent in the state. Twenty-two percent own three cars, 21 percent own one car, and a small number of Vermont residents own four or more cars.

Commute Time

The U.S. average for commute time is 26 minutes. Vermont’s commute time is 22 minutes, which four minutes less than the U.S. national average.

Commuter Transportation

The most common method of travel in Vermont is driving your car. An estimated 75 percent of people drove alone in the State of Vermont, and nine percent of commuting workers carpooled. Seven percent of Vermont residents worked from home.

Traffic Congestion

TomTom, INRIX, and Numbeo are traffic forecasters that shows traffic congestion in real-time. However, these agencies record and broadcast data of the most popular areas in the world.

If you use Google’s search engine, you’ll be able to find the current traffic forecast in the state. Search “Vermont traffic congestion,” and the results will appear.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Conclusion

The guides we provide at Quote Inspector are designed to inform you as you shop for car insurance. Sometimes, the cheapest policy isn’t the best policy, and the most expensive isn’t always efficient. Find the policy or company that best works for you.

Ultimately, you’ll want to know what’s ahead, and this guide gives you all the road signs that will prepare you for what’s ahead. For a quick look at at the best Vermont car insurance rates in your area, enter your ZIP Code in the free quote box below.

For any comments or questions, use our comment section to voice your concerns.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption