motorcycle insurance vermont

How to Find the Cheapest Motorcycle Insurance

Motorcycle Insurance Vermont: Your Complete Guide

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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.

Motorcycle Insurance Vermont: State Insurance Requirements

StateLiability Required:Personal Injury Protection?
Vermont25/50/10N/A
Personal Injury Protection/PIP also known as “no fault insurance” is required by some states, and covers medical bills for yourself and your passengers in the event of a car accident.

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.

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City In VermontCheapest Insurance Carrier
PoultneyGeico
RichmondGeico
WilliamstownGeico
ColchesterProgressive
Rutland cityGeico
CharlotteThe General
RandolphThe General
BerlinProgressive
WindsorProgressive
VergennesThe General
StoweThe General
ManchesterFarmers
WinooskiGeico
Barre cityProgressive
RockinghamProgressive
RoyaltonProgressive
WeathersfieldGeico
LyndonThe General
NorwichDairyland
HighgateThe General
CambridgeGeico
JerichoDairyland
RichfordProgressive
South BurlingtonProgressive
BurlingtonProgressive
WoodstockProgressive
Essex JunctionThe General
BrattleboroProgressive
BristolProgressive
ShelburneThe General
PownalDairyland
SwantonGeico
BartonGeico
HinesburgProgressive
MiltonDairyland
WaterburyProgressive
UnderhillDairyland
ThetfordGeico
CastletonProgressive
BarreThe General
HartlandGeico
Fair HavenDairyland
NewportDairyland
GeorgiaThe General
PittsfordProgressive
BenningtonProgressive
MorristownProgressive
St. JohnsburyGeico
St. AlbansGeico
HartfordGeico
NorthfieldProgressive
BrandonProgressive
East MontpelierDairyland
FairfaxProgressive
HardwickDairyland
FerrisburghThe General
MontpelierProgressive

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 VermontCheapest 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: Average Annual Premiums

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, 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

Motorcycle Insurance Vermont

How much is motorcycle insurance for first time riders?

This will depend on the age of the driver, their location, and type of bike looking to insure.

Who has the cheapest motorcycle insurance?

Dairyland is very cheap for Sports bikes and Progressive is generally very affordable for Harleys.

What does motorcycle insurance cover?

Liability is the bare minimum required by law, which will cover the other party if you are liable in an accident. Full coverage will provide coverage for the bike itself, regardless of fault.

Other Helpful Vermont Insurance Links

Other Vermont Insurance Guides
Auto Insurance Vermont Guide
SR22 Insurance Vermont Guide
Homeowners Insurance Vermont

Last Updated on March 14, 2022 by Veronica Moss