Buy Cheap Vermont Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$10,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$50,000 limit per person / $100,000 limit per accident (bodily injury), $10,000 limit (property damage)
Underinsured Motorist
Combined with uninsured motorist coverage
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Vermont Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
Yes
In the state of Vermont, an officer can give a driver a citation for holding a cell phone even if no other driving offenses are taking place. Effective November 2014.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers under the age of 18 cannot use a cell phone at all while driving.
Texting Ban:
Yes
In Vermont, text messaging is banned for all drivers.
DUI Laws
Buy Cheap Vermont Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
None
None in Vermont.
1st offense Suspension:
90 days
Administrative license suspension on the 1st offense: In Vermont, law enforcers can confiscate a first-time offender's driver's license for 90 days if he or she exceeds the legal limit.
Ignition Interlocks:
Discretionary
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Vermont made the installation of ignition interlocks discretionary.
Repeat Offenders:
None
None in Vermont.
Open Container Law:
Yes
No driver or passenger can have any bottle, can, jar or other receptacle containing any alcohol that has been opened, the seal broken, or with partial contents removed in his or her possession or in any area of the vehicle where it would be easily accessible by the driver or passengers.
Graduated Drivers License
Buy Cheap Vermont Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period lasting a minimum of twelve months. In this stage, the new drivers are required to get 40 hours of supervised driving, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: None
Passenger Restriction: No passengers without exception (first 3 months), no passengers except family (following 3 months)
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers cannot drive with any passengers (no exception) for the first three months and during the following three months, they are allowed to have family as passengers. There are no night driving restrictions for Vermont intermediate drivers.
Full Privilege Age:
Age: 16.5
(Full driver's license): At the age of 16 and six months, Vermont drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
65
MPH
Urban Interstates:
SPEED LIMIT
55
MPH
SPEED LIMIT
55
MPH
Other Limited Access Roads:
SPEED LIMIT
50
MPH
SPEED LIMIT
50 MPH
Page Source: ghsa.org
Buy Cheap Vermont Auto Insurance in 2024
Department of Insurance
Website: www.dfr.vermont.gov/insurance/insurance-division
Address: 89 Main Street, Montpelier, Vermont 05620-3101
Phone: 802-828-3301
Buy Cheap Vermont Auto Insurance in 2024
DMV Information
Website: dmv.vermont.gov/
Phone: 888-99-VERMONT (888-998-3766) or 802-828-2000