Vermont winters can be hard and so can the wear and tear upon vehicle and roads. Driving in such snowy, icy conditions means that the motorist must have sufficient Vermont auto insurance to protect them against accidents that might occur. Vermont drivers paid an average of $1533 for Vermont auto insurance in 2007. Vermont motorists still remain below the national average for auto insurance premiums. Of course, each individual Vermont auto insurance rate will be higher or lower depending upon their driver record and other particulars.

Vermont Auto Insurance Requirements

Vermont requires that its motorists carry the minimum liability coverage of 25/50/10 to protect drivers from out of pocket payments for accidents they have caused while driving the often-hazardous Vermont roads summer and winter alike. The breakdown for basic liability coverage the Vermont auto insurance coverage must offer is as follows:

• Bodily Injury Insurance – The maximum amount for minimum coverage for medical damages that the at fault driver has caused to a single person in the other car is set at $25,000.
• A total of $50,000 will be paid out for more than one person injured in the other car.
• Property Damage Liability – The maximum minimum amount under basic Vermont insurance Property Damage Liability to be paid out for damages cause to the other vehicle, or public and private property is set at $10,000.

Of course, these amounts are the very minimum and many accidents require much more coverage than is find with minimum coverage that the State of Vermont recommends that its insured take out higher coverage.

Vermont also recommends that its motorists carry Comprehensive and Collision insurance, in the event that they caused damage to their own vehicle when they were at fault, or damage to their vehicle was caused by natural causes or by wildlife.

Vermont requires that its motorists carry Uninsured/Underinsured Motorist in the event that that the other driver is not sufficiently insured. This coverage pays for damage to the car as well as medical expenses. UM insurance is also good for when the insured is a victim of a hit and run.