Car Insurance in Burlington
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Auto Policies for Drivers in Burlington
Drivers in The Queen City need car insurance that meets statewide financial responsibility requirements and covers common risks. Burlington is the most populous city in Vermont with some of the most heavily trafficked roads in the state. Car crash fatalities in Vermont reached a 10-year high in 2022, making liability coverage a necessity for drivers in this urban area.
While measures are underway to address two high-risk intersections on Colchester Avenue, drivers in Burlington are still exposed to risks on surface roads and highways. Residents can use the Green Mountain Transit bus service or the Ethan Allen Express Train, but driving is the most convenient way to navigate Chittenden County.
Coverage for accidents that result in bodily injury, death or property damage is essential in a state that averages 2,000 injuries noted in police reports, 4,000 vehicle-related injuries presenting in emergency departments and 60 crash fatalities every year. Use VIU by HUB to compare quotes for car insurance in Burlington that meets or exceeds minimum liability requirements.
The Average Car Insurance Premium in Burlington
Drivers in Burlington can expect to pay premiums around the local average of $1,035 per year, which is less than the national average. Your rate may vary based on your age, credit score, driving record, vehicle and preferred level of coverage. Whether you choose a liability-only, collision or comprehensive policy, you should always drive insured in Vermont.
Risks To Drivers in the Green Mountain State
Motorists can encounter several regional risks on Vermont roads. You should factor the following hazards into your choice of an insurance policy.
Heavy Rain
The Great Vermont Flood in July 2023 occurred when 3 to 9 inches of rain fell over 48 hours. While Burlington was not affected by flooding, heavy rain caused washouts of roads and bridges elsewhere in the state. Tropical Storm Irene in 2011 also caused severe flooding that damaged over 500 miles of roads and 200 bridges.
Snow Squalls
Localized snow squalls can occur in and around Burlington due to the proximity of Lake Champlain. These brief but intense instances of heavy snow and gusty winds can reduce visibility on roads to near zero and cause surfaces to suddenly become slick. Up to 13 inches of snow can fall in as little as 12 hours during a snow squall.
Vehicle Theft
Burlington residents have a 1 in 27 chance of becoming a victim of property crime, compared to a 1 in 74 chance statewide. This city's motor vehicle theft rate is 2.23 per 1,000 residents. A comprehensive car insurance policy can cover costs associated with the loss or damage of a vehicle.
Popular Auto Policies in Chittenden County
Every driver in Vermont must maintain liability coverage that meets or exceeds minimum limits for financial responsibility. These limits include $25,000 for an accident resulting in the injury or death of one person, $50,000 for an accident that injures or causes the deaths of two or more people and $10,000 in property damage coverage. You can choose a policy with higher liability limits or any of the following policy options:
- Collision coverage
- Comprehensive policies
- Electronics coverage
- Replacement cost coverage
- Roadside assistance
Liability-only policies cover harm to other drivers and damage to other vehicles. A collision or comprehensive policy can cover the cost of repairing damage to your own vehicle or replacing a totaled vehicle. Simply provide basic information about yourself, your driving record and your vehicle to use VIU by HUB to compare quotes and choose the right car insurance in Burlington.
This information is intended for general informational purposes only and is not intended to constitute legal advice.