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Vermont Insurance Guide
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Insurance in Vermont
Find comprehensive insurance information for Vermont (VT) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Northeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Vermont (VT) |
| Region | Northeast |
| Population | ~645K residents |
| Health Marketplace | Vermont Health Connect |
| Insurance Regulator | Vermont Department of Insurance |
Health Insurance in Vermont
Vermont residents can find health coverage through:
- Vermont Health Connect - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Vermont
Vermont has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Vermont
Protect your home with coverage tailored to Vermont’s specific risks and requirements.
Life Insurance in Vermont
Find life insurance options available to Vermont residents to protect your family’s financial future.
How Vermont Compares
Understanding how Vermont stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Vermont | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $932 | $1,935 | -52% (among the lowest) |
| Health Insurance (monthly) | $812 | $477 | +70% (among the highest) |
| Home Insurance (annual) | $855 | $2,377 | -64% (among the lowest) |
| Uninsured Rate | 4.3% | 9.5% | -55% (among the best) |
Key Insights
- Auto insurance in Vermont is significantly cheaper than the national average, ranking #2 lowest in the country.
- Health insurance benchmark premiums rank #47 highest. Premium tax credits can significantly reduce costs for eligible residents.
- Homeowners insurance is among the most affordable in the country at #1.
- Vermont has one of the lowest uninsured rates in the nation (#3), indicating strong access to coverage.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Vermont Department of Financial Regulation - Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Vermont Health Connect (opens in new tab) - Vermont’s official health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Vermont address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Vermont Department of Financial Regulation
- Phone
- 802-828-3301
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Vermont?
Vermont requires minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. Uninsured motorist coverage at 50/100 is also required.
How do I get health insurance in Vermont?
Vermont has its own state marketplace, Vermont Health Connect. Open enrollment runs November through January. Vermont expanded Medicaid and has strong consumer protections. Many residents qualify for premium tax credits or Medicaid.
Does Vermont homeowners insurance cover ice dam damage?
Standard homeowners insurance typically covers water damage from ice dams, but coverage depends on your policy terms. Given Vermont’s harsh winters, ensure your policy covers ice dam damage and consider preventive measures like proper insulation.
Is flood insurance required in Vermont?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Vermont has significant flood risk from rivers and severe storms (notably Tropical Storm Irene in 2011). Flood insurance is recommended throughout the state.
What is the average cost of car insurance in Vermont?
Vermont drivers pay approximately $1,000-$1,200 per year for full coverage auto insurance, which is below the national average. Burlington area has slightly higher rates than rural Vermont.
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[vermont] Insurance Types
Compare insurance options available to [vermont] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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