How to Find the Cheapest Motorcycle Insurance
- Motorcycle Insurance Vermont: Motorcycle Laws You Need to Know
- Does Vermont require motorcycle insurance?
- Motorcycle Insurance Vermont: State Insurance Requirements
- Motorcycle Insurance Vermont: Cheapest Insurance Company by City
- Motorcycle Insurance Vermont: How to Get a Free Quote
- Motorcycle Insurance Vermont: Motorcycle Safety Tips
- Motorcycle Insurance Vermont: Cost for Full Coverage Insurance
- Motorcycle Insurance Vermont: Cheapest Liability Only Rates
- Motorcycle Insurance Vermont: Other Coverage Options
- Motorcycle insurance Vermont: Which Insurance Companies offer it?
- Motorcycle insurance Vermont: Discounts You Need to Know About!
- Motorcycle insurance Vermont: Frequently Asked Questions
- What are the requirements for motorcycle insurance in Vermont?
- How does Vermont's climate affect motorcycle insurance rates?
- How can I get a quote for motorcycle insurance in Vermont?
- Q4: Does Vermont require motorcycle insurance?
- Other Helpful Vermont Insurance Links
Motorcycle Insurance Vermont: Motorcycle Laws You Need to Know
- A Motorcycle License or permit is required by law before operating a motorcycle in Vermont, with a minimum age of 16 years old.
- You must get your bike titled and registered, unless the bike is under 300cc, it is not allowed for road use.
- 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.
- Helmets are required for all riders, including passengers, as well as eye protection, unless the bike has a windshield.
- 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.
- Lastly, lane splitting is illegal in Vermont, but there are some nuances to lane splitting, and sharing.
- 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
- Liability coverage:
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
What are the requirements for motorcycle insurance in Vermont?
In Vermont, motorcycle insurance requirements include liability coverage for bodily injury and property damage, as well as uninsured motorist coverage. It is recommended to consider additional coverage options for greater protection.
How does Vermont’s climate affect motorcycle insurance rates?
The climate in Vermont can affect motorcycle insurance rates due to seasonal riding conditions. During winter months, some insurers may offer reduced rates or allow policyholders to suspend coverage.
How can I get a quote for motorcycle insurance in Vermont?
For a personalized motorcycle insurance quote in Vermont, please call us at 1.888.445.2793. Our agents will help you determine the best coverage for your needs.
Q4: Does Vermont require motorcycle insurance?
A4: Yes, Vermont requires motorcycle insurance. The state mandates liability coverage for bodily injury and property damage to protect both riders and other motorists on the road. It’s important to comply with these insurance requirements when riding a motorcycle in Vermont.
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 by Marlon Moss