How to Find the Cheapest Motorcycle Insurance

Motorcycle Insurance Vermont: Your Complete Guide

Motorcycle Insurance Vermont: Motorcycle Laws You Need to Know

1. A Motorcycle License or permit is required by law before operating a motorcycle in Vermont, with a minimum age of 16 years old.
2. You must get your bike titled and registered, unless the bike is under 300cc, it is not allowed for road use.
3. By Vermont law, you are required to carry at least the State Minimum Liability limits of $25,000 bodily injury coverage per person, $50,000 bodily injury coverage per accident, and $10,000 property damage coverage per accident.
4. Helmets are required for all riders, including passengers, as well as eye protection, unless the bike has a windshield.
5. Safety inspections are performed with each registration period, which will insure you have a proper rearview mirror and handlebars no higher than 15″ above the seat.
6. Lastly, lane splitting is illegal in Vermont, but there are some nuances to lane splitting, and sharing.
7. Day time use of headlights are not required, but recommended as it increases your visibility.

Does Vermont require motorcycle insurance?

Yes, Vermont requires motorcycle riders to carry insurance. The state mandates that all motorcyclists have liability insurance to cover any damages or injuries they may cause in an accident. The minimum required liability coverage for motorcycles in Vermont is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. However, riders may choose to purchase additional coverage options, such as collision coverage or comprehensive coverage, to protect their bikes and themselves further.

• Minimum required motorcycle insurance coverage in Vermont:
  • Liability coverage:
    • $25,000 bodily injury per person
    • $50,000 bodily injury per accident
    • $10,000 property damage per accident

Comparison of Motorcycle Insurance Rates in Vermont:

Insurance Company	Average Monthly Premium
Progressive	$40
Dairyland	$45
National General	$50
Assurance America	$55
Bristol West	$60

By understanding Vermont’s motorcycle insurance requirements and comparing quotes from multiple insurance carriers, riders can find the coverage that best suits their needs and budget.

Motorcycle Insurance Vermont: State Insurance Requirements

State	Liability Required:	Personal Injury Protection?
Vermont	25/50/10	N/A

Every State has their own minimum insurance requirements which all operators must abide by.

You are able to customize your Insurance coverages for greater coverage than the State Minimum, if desired. In order to be legal, you must at least carry liability limits of $25,000 per person for bodily Injury protection, up to $50,000 per accident, and $10,000 for property damage each accident.

Vermont does not require you carry Uninsured/Underinsured Motorist Bodily Injury Protection, Medical Payments or PIP (personal injury protection), while some States do require those coverages.

You can add these additional coverages on for an additional cost, and you can increase you liability limits for greater coverage.

Your liability will cover the other party if you were found liable or At Fault in an accident, so it is important to have adequate coverage.

Unsure what coverage you should have? Speak with our agents today for advice.

Motorcycle Insurance Vermont: Cheapest Insurance Company by City

Insurance prices vary depending on your city, and surrounding areas.

A city with a higher number or Uninsured drivers, accidents, and claims, will cause the insurance prices to be more expensive in that area and areas nearby.

If you live in a smaller city or town with a smaller population, that generally means there are less accidents in that area.

Insurance companies do ‘rate revisions’ every few months to determine the average cost for insurance by zip codes based on several rating factors.

Do your part by driving safely and staying insured to help keep the cost for insurance low for everyone.

City In Vermont	Cheapest Insurance Carrier
Poultney	Geico
Richmond	Geico
Williamstown	Geico
Colchester	Progressive
Rutland city	Geico
Charlotte	The General
Randolph	The General
Berlin	Progressive
Windsor	Progressive
Vergennes	The General
Stowe	The General
Manchester	Farmers
Winooski	Geico
Barre city	Progressive
Rockingham	Progressive
Royalton	Progressive
Weathersfield	Geico
Lyndon	The General
Norwich	Dairyland
Highgate	The General
Cambridge	Geico
Jericho	Dairyland
Richford	Progressive
South Burlington	Progressive
Burlington	Progressive
Woodstock	Progressive
Essex Junction	The General
Brattleboro	Progressive
Bristol	Progressive
Shelburne	The General
Pownal	Dairyland
Swanton	Geico
Barton	Geico
Hinesburg	Progressive
Milton	Dairyland
Waterbury	Progressive
Underhill	Dairyland
Thetford	Geico
Castleton	Progressive
Barre	The General
Hartland	Geico
Fair Haven	Dairyland
Newport	Dairyland
Georgia	The General
Pittsford	Progressive
Bennington	Progressive
Morristown	Progressive
St. Johnsbury	Geico
St. Albans	Geico
Hartford	Geico
Northfield	Progressive
Brandon	Progressive
East Montpelier	Dairyland
Fairfax	Progressive
Hardwick	Dairyland
Ferrisburgh	The General
Montpelier	Progressive

Motorcycle Insurance Vermont: How to Get a Free Quote

Our agents at A Plus Insurance are trained to give exceptional, fast, quality service with every phone call.

We pride ourselves on the ability we have to educate our drivers, and leave them feeling comfortable with the coverages they selected, and the price.

On average, an auto insurance quote takes about 10 minutes for us to complete, and a motorcycle quote may take about 8 minutes.

If you are a newly licensed motorcyclist, or you have had insurance for years but need a better price, give us a call today and you will be happy you did!

We offer the best service and we are able to shop multiple insurance providers to make sure you are getting the lowest cost.

Motorcycle Insurance Vermont: Motorcycle Safety Tips

Motorcycle safety courses are not required in Vermont, but they are recommended to keep motorcyclists and other drivers safe on the road.

Most Insurance companies even offer a discount that can save you money on your insurance premium for completing a State Approved Safety course. Keeping drivers safe and saving money? Why not!

Other things you can practice while operating a motorcycle is to do a thorough check of the bike before taking off:

• Check your tires for air pressure, headlights, and breaks.
• Make sure to keep important documents with you at all times, such as registration, drivers license, and insurance documents.
• Use proper turn signals when switching lanes and leave enough distance between yourself and any vehicles on the road to insure your safety and others.

Motorcycle Insurance Vermont: Cost for Full Coverage Insurance

Full coverage Insurance is generally very cheap for Motorcycle Insurance!

This is because the cost of a motorcycle may be much less than that of a new automobile, which newer automobiles are in the $50,000-$70,000 range these days.

Full coverage consists of Comprehensive and Collision coverage, and most companies add additional coverages for no extra cost such as Accessory coverage and Safety riding apparel.

You can also customize the policy further with adding Roadside Assistance, and even Trip Interruption.

An average cost on full coverage insurance could be as low as $10 a month for some customers.

Check with our agents for a free, quick quote to see how much money we can save you on your motorcycle insurance.

City In Vermont	Cheapest Full Coverage
Lyndon	$240
Putney	$220
Colchester	$230
Williamstown	$178
Hartford	$236
Westminster	$184
Bellows Falls	$189
Chester	$215
Windsor	$199
Pownal	$235
Springfield	$210
Rutland city	$221
Bristol	$232
Fair Haven	$177
Waterbury	$177
Shaftsbury	$225
St. Johnsbury	$218
Randolph	$239
Winooski	$186
Berlin	$177
St. Albans	$181
Essex Junction	$221
Shelburne	$190
Barre	$194
Highgate	$201
Fairfax	$236
Hinesburg	$176
Charlotte	$210
Burlington	$181
St. Albans city	$205
Barton	$222
Barre city	$196
Brattleboro	$215
Stowe	$214
Poultney	$231
Georgia	$226
Norwich	$215
Ferrisburgh	$179
Thetford	$195
Bradford	$196
Jericho	$213
Hyde Park	$210
Vergennes	$206
Northfield	$182
Derby	$186
Royalton	$230
Williston	$235
Weathersfield	$222
Manchester	$228
Newport	$193
Swanton	$204
Rutland	$206
Brandon	$179
Montpelier	$188
East Montpelier	$182
South Burlington	$234
Middlebury	$201

Motorcycle Insurance Vermont: Cheapest Liability Only Rates

Liability Insurance will cover the other party for anything you may be found liable, or At Fault for, in the event of an accident. You can alter your liability limits from the State Minimum Required to ensure you are properly covered, and avoid the possibility of being sued if your limits are not high enough.

You can also add additional coverages in Vermont, such as Uninsured Motorist and Medical payments. Medical payments will generally cover $5000, or $10000 for all passengers if hurt in an accident. Uninsured motorist will cover if you are hit by a driver who is not insured, and it will cover your bodily injury expensive up to your liability limit. You can also add Uninsured Motorist Property damage, which would cover the cost of your motorcycle or damage done to it up to your liability limit. These coverages are all still considered liability, and are very affordable for most customers.

Motorcycle Insurance Vermont: Other Coverage Options

Aside from liability coverage, and the basic full coverage (comprehensive and collision), there are other coverages available on your motorcycle policy.

Roadside assistance, and trip interruption is available through most insurance companies, for a small additional fee. This will cover you for basic roadside assistance, and the trip interruption covers you for food, lodging, and transportation if you are broken down several miles from your home.

Another coverage, that some companies include for free, is called Safety Riding Apparel coverage. This generally pays $500-$1000 for any riding apparel that may be damage, such as helmet, eye protection, gloves, leather jacket and chaps.

Lastly, Accessory coverage would cover any additional accessory’s or upgrades you have added to the bike, up to $2000.

Motorcycle Insurance Vermont: Coverage Options
Liability
Roadside
Rental Reimbursement
Uninsured Motorist Bodily Injury
Transport Trailer coverage
Accessory Coverage
Roadside/Trip Interruption
Physical Damage Plus
Trip Interruption
Guest Passenger Liability
Collision
Safety riding apparel
Diminishing Deductible
Medical Payments
Uninsured Motorist Property damage
Optional Equipment

Motorcycle insurance Vermont: Which Insurance Companies offer it?

Many companies offer Motorcycle insurance in Vermont, and many even offer bundle discounts for having multiple products with one company.

You can bundle just about anything with us, auto, home, renters, motorcycle, rv, boat, business, commercial and more.

Bundling policies will help keep the cost for your insurance very cheap and affordable.

Insurance companies specialize in different products, and different types of motorcycles which means they can all provide different rates.

A well known Insurance provider that is generally cheapest for Sports bikes, is Dairyland Insurance. Progressive tends to be cheapest for Harleys.

Motorcycle insurance Vermont: Discounts You Need to Know About!

One of the biggest, money saving discounts is a bundle discount.

Bundling policies such as your auto, motorcycle, and home policy can get you a discount that will save you hundreds.

Another discount available is a Pay in Full discount which could save you hundreds on the total premium by paying the entire premium up front. On average, the discount is 15% of the premium.

Other discounts to consider is auto pay, and eft, continuous insurance discount, advanced quoting, safe driver discount, and multiple bike discount.

Motorcycle Insurance Vermont: Types of Discounts!
Married discount
prior insurance
MC Endorsement on License
multi policy
vehicle usage & Mileage
EFT Discount
LoJack device
advanced quote
Years of riding experience
Continuous Insurance Discount
education discount
association membership
Multi Lines Discount
approved safety course
Operators Safety Course
Operator’s Education Course
PIF Discount
Homeownership Discount
Garaged or locked storage
paperless
Responsible driver
prompt payment
HOG Discount
Motorcycle Rider Group Discount
Anti lock brakes

Motorcycle insurance Vermont: Frequently Asked Questions

Other Helpful Vermont Insurance Links

Other Vermont Insurance Guides
Auto Insurance Vermont Guide
Liability Insurance | Vermont
Full Coverage Insurance | Vermont
SR22 Insurance Vermont Guide
Homeowners Insurance Vermont

Last Updated on March 25, 2024 by Camron Moss