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 ($)||Reduced Insurance rate after a Defensive Driving Course ($)|
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.