Cheap Auto Insurance Quotes in Burlington, VT, for 2023

Car Insurance in Burlington, VT

Whether you’re in Burlington to attend UVM, ski on your weekends, enjoy the state’s amazing breweries, or all of the above, you’ll know that the city is getting more expensive by the day. So comparing car insurance quotes to find cheap rates has never been more critical. Let’s talk through the best companies and tactics for finding cheap Burlington, Vermont, car insurance.

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Cheap Car Insurance in Vermont

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Cheapest Car Insurance in Burlington, VT

You’ve heard of name brands like Allstate, State Farm, and GEICO. But even though they have the loudest ads, do they have the best rates for Vermont car insurance? The following companies are giving the cheapest quotes on car insurance in Burlington, according to Insurify’s database.

Best Car Insurance in Burlington, VT

It’s one thing to have cheap car insurance quotes. But you’ll want to make sure you sign an insurance policy with a good company. The Insurify Composite Score (ICS) captures financial strength, claims satisfaction, and customer service in one number to help you take stock of an insurance agency. Cheap auto insurance rates are amazing, but they aren’t everything.

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Minimum Car Insurance Requirements in Vermont

All motor vehicles operated or parked on Vermont roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Vermont^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Vermont is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $50,000 per person for uninsured/underinsured motorist bodily injury

• $100,000 per accident for uninsured/underinsured motorist bodily injury

• $10,000 per accdient for uninsured/underinsued motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Vermont, this coverage is required for both bodily injury and property damage.

Burlington Car Insurance Rates by Driver Age

Young drivers, and especially teen drivers, have the hardest time finding cheap car insurance coverage in Burlington. UVM students in ROTC should look at USAA, an insurer that serves military members and their families. If you’re a young driver who drives a clunker, you might leave comprehensive coverage and collision insurance off your policy to trim premiums.

Burlington Car Insurance Rates by Driving and Accident History

If you’ve heard that a bad driving history will come back to bite you with high car insurance rates, you’re correct. It’s no different in Burlington; drivers with clean driving records will pay much lower premiums than those with incidents on their records

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Burlington Car Insurance Rates by Credit Tier

This table shows the average rates that Vermont drivers pay based on their credit score. As you can see, drivers with good credit scores tend to get lower premiums than those with bad credit scores.

Burlington DMV Information

The nearest Vermont DMV is technically in South Burlington, but it’s right between Williston Road and Dorset Street, behind the mall. So it’s not hard to get to. There, you can get your enhanced driver’s license or driver’s license, registration, state ID, or permit. Office visits are by appointment only.

Public Transportation in Burlington

Green Mountain Transit offers a comprehensive regional bus service to get you between Burlington, South Burlington, Winooski, and elsewhere. Student buses connect you between campus and downtown. Vermont Translines has coaches to Rutland, New York, Hanover, and Boston.

Based out of Williston, Amtrak trains connect you to routes that serve the whole country. Starting July of 2022, it’ll run straight to Rutland and New York City.

How to Get the Cheapest Car Insurance in Burlington

Auto insurance is a numbers game. The insurance company is using your driving record, credit score, and other methods to set your auto insurance rates. What do you have to do to find cheap rates? You have to play the insurance companies off of each other, getting auto insurance quotes from as many as you can to find the lowest one.

Insurify will help you find the cheapest rates for you. You don’t have to let your driving record get in the way or trade away a full-coverage policy for the cheapest premiums. With a little help from Insurify, you’ll find the insurance policy that meets your coverage needs and budget. Comparing car insurance with Insurify has never been easier! Try it and start saving today.

For more detailed Vermont city guides, check out these below

Frequently Asked Questions