Vermont motorcycle insurance

Q: What's the best motorcycle insurance in Vermont?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Montpelier, Essex, or Colchester, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Vermont for bikers without skimping on the valuable protection you count on for peace of mind.

The scenic landscapes and low-traffic roads of Vermont make it a favorite among motorcycle riders. Progressive is proud to help bikers navigate the Green Mountain State with personalized coverage and easy discounts that keep money in their pockets. Learn everything you need to know about motorcycle insurance in Vermont, including what's required by law.

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What are the minimum requirements for motorcycle insurance in Vermont?

Vermont motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and property damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets. It's important to note that these coverages don't cover damage to your own bike.

All riders are also required to carry uninsured/underinsured motorist bodily injury coverage and uninsured motorist property damage coverage.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$10,000 per accident
Uninsured/underinsured motorist bodily injury	What it coversInjuries to you and your passengers if you're struck by an at-fault motorist with insufficient liability coverage	Minimum amount$50,000 per person $100,000 per accident
Uninsured motorist property damage	What it coversDamage to your vehicle or property if struck by an at-fault motorist who carries no liability coverage	Minimum amount$10,000 per accident

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are both optional unless you're financing or leasing your motorcycle. In those cases, your lender may require comprehensive and collision coverage. If your bike is paid in full, you may consider comprehensive and collision coverages as a safeguard against physical damage to your motorcycle. Comprehensive may cover your bike against events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Vermont?

In 2023, the annual cost for a Progressive motorcycle policy in Vermont with liability coverage only was $172.42.^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

From Burlington to Bennington, bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Vermont?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Montpelier, Essex, or Colchester, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Vermont for bikers without skimping on the valuable protection you count on for peace of mind.

You can decrease the cost of motorcycle insurance in Vermont with motorcycle insurance discounts, such as:

Multi-policy discount
Harley-Davidson Owner Group (HOG) Association discount
Motorcycle license/endorsement discount
Responsible driver discount
Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Vermont

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Vermont

All motorcycle operators, according to Vermont motorcycle law, must have a motorcycle license or endorsement on their driver's license.
All motorcycle operators and passengers in Vermont must wear a helmet while riding, regardless of age.
Lane sharing is illegal in Vermont, according to the Vermont Motorcycle Manual.