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Auto Insurance in Vermont & New Hampshire

Auto Insurance Basics

Auto insurance is mandatory in Vermont. You must have Liability and Uninsured Motorist coverage on your vehicle if you are driving in Vermont. Liability coverage is what insures for damage you may do to another vehicle in an accident. 

Rates charged by different companies vary widely. Companies use many factors to determine the premium they charge including your age, experience, driving record, insurance credit score, type of vehicle, how it is used and many other factors. 


We represent multiple companies and strive to place you with the one that best fits you.

Seven Main Types of Coverage

In Vermont, an auto insurance policy is a package of seven main types of mandatory and optional coverage, each with its own premium. The sum of these premiums is the total cost of your policy. When you obtain a policy, you enter into a legal contract with an insurer to provide you the coverage specified for a determined amount of money.

The seven types of coverage are: 

  • Mandatory for all Vermont Auto Policies: 
    (1) Liability; (2) Uninsured/Underinsured Motorist

  • Optional: 
    (3) Collision; (4) Other Than Collision (also known as Comprehensive); (5) Medical Payments; (6) Rental Reimbursement; (7) Towing and Labor


If you are unsure about what you need for coverage, talk to one of the insurance professionals at Farm Country and we will be happy to give you some guidance. Our phone is 802-748-8081.  You can also get in touch with us via the form on our contact page.

We serve all of Vermont and New Hampshire, and are located in St. Johnsbury in Vermont's Northeast Kingdom. If you're looking for an insurance agent near Burke, Lyndonville, Danville, Barnet, Barton, Derby, Hardwick, Peacham, or Barnet, VT, or Littleton and Bethlehem, NH, contact us. We're local and ready to help you find the best coverage at the best price.

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