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The auto insurance costs of driving drunk in Vermont

Liability coverage is mandatory in Vermont, and operating a motor vehicle without this minimum insurance coverage is proscribed. You can either buy auto insurance or get a surety bond to show proof of financial responsibility.

Auto insurance is very affordable in Vermont. Vermont is the second most affordable state to buy auto insurance, with an annual average insurance rate of $873. Maine is the first most affordable state, with an average annual insurance rate of $827.

Vermont has very strict Driving Under the Influence (DUI) laws for alcohol-related offences. Your first DUI conviction will result in a fine of up to $750, or up to two years in jail. You could also face license suspension for 90 days. In addition to the legal repercussions, you will face inflated auto insurance costs for at least three years from the date of your first DUI conviction.

Even though auto insurance rates are affordable in Vermont, DUIs on your driving record will almost double your insurance costs and make it extremely expensive.  As of January 2014, the annual average insurance rate in South Burlington is $874. After a DUI conviction, auto insurance rates would increase to $1626. In Winooski, the average rate is $875, while the average insurance rate after a DUI is $1628.

Newport is the most expensive auto insurance zip code in Vermont. The average insurance rate here is $938. This is much lower than the national average rate, but once you are charged with a DUI in Newport you will pay $1745 (i.e., $249 more than the national average insurance rate) to insure your car.

One of the best ways to reduce your insurance cost is to take a defensive driving course.

City/ State Zip code Average Annual Insurance rate ($) Average Insurance Rate after a DUI conviction ($) Reduced Insurance rate after a Defensive Driving Course ($)
Vermont 5601 873 1,624 1,380
South Burlington 5403 874 1,626 1,382
Winooski 5404 875 1,628 1,384
Burlington 5408 877 1,631 1,386
Rutland 5701 897 1,668 1,418
Barre 5641 905 1,683 1,431
Montpelier 5602 906 1,685 1,432
St. Albans 5477 918 1,707 1,451
Vergennes 5491 921 1,713 1,456
Newport 5855 938 1,745 1,483

Defensive driving courses teach you to drive in hazardous weather conditions. Not only will taking a defensive driving course lower your insurance rates, but it will also help make you a better driver.

48.8 percent rise in auto insurance costs in Vermont between 1989 and 2010

Average auto insurance costs in Vermont went up by 48.8 percent in the 21 years ending 2010. A November 2013 study by the Consumer Federation of America found that the countrywide average went up by 43.3 percent during the same period. In 1989, the average for Vermont stood was $423.43 and the countrywide average was $551.95. By 2010, the figures had come up to $630.19 and $791.22 respectively.

The 48.8 percent increase of costs in Vermont is higher than the national average. This makes Vermont one of 38 states where costs went up by a larger percentage than the countrywide average increase.  Despite the higher increase, auto insurance was still cheaper in Vermont, as of 2010, compared to the national average. The study found that states which had good insurance regulation in place had the most success in keeping rates low. California, which implemented the most stringent and pioneering regulation, was by far the most successful state and was the only one where costs actually went down (by 0.3%) over the 21 years ending 2010.

One of the most effective ways to curb rising rates, the study found, was to implement a Prior Approval (PA) system. The PA system compels insurers to file rate changes and have them approved by the state before they can be implemented in the market. Currently, Vermont has a Use and File (U&F) system in place which requires insurers to file rates after they have already been used in the market. Moreover, there is no requirement to obtain approval for rate changes whatsoever. As per the study, this lack of regulation of auto insurance rates is part of the reason for auto insurance costs going up by almost 50 percent in Vermont.

By following California and other states’ lead and implementing stringent regulation, Vermont can help stem rising costs and therefore benefits consumers in the state. The study also showed that such regulation would not affect the profitability of insurance companies.

Vermont Auto Insurance Rates

Below are the minimum, average and maximum insurance rate estimates for neighbourhoods in and around Vermont, VT.

Lowest Rate:$900
Average Rate:$900
Highest Rate:$1,100

Recent Savings From Top Providers in Vermont

Rank Customer Zipcode Amount Saved
1 5601 $151
2 5001 $144
3 5031 $142
4 5032 $140

Compare Auto Insurance Companies in Vermont

Company A.M Best Rating on
Financial Strength
Year Founded
Progressive A+ 1937
State Farm A++ 1922
Allstate A+ 1931
GEICO A++ 1936
Nationwide A+ 1925

Vermont Auto Insurance Requirements

Minimum limits of liability for auto insurance in Vermont as per VT State Laws

Bodily Injury Liability

  • $25,000 for death/injury of any one person, per accident.
  • $50,000 for all persons per accident.

Property Damage Liability

  • $10,000 per accident.

Vermont Car Insurance Average Rates by Make

In addition to the location, one key factor that contributes to the insurance rates in Vermont is the vehicle's make and model. Especially the vehicle's theft rates in Vermont

MakeInsurance Average PremiumView Details
MakeInsurance Average PremiumView Details

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