Car Insurance in South Burlington, VT
Discover what risks to consider when comparing car insurance in South Burlington.
South Burlington is a diverse place popular with business professionals, married couples, new parents, big families and retirees alike. This city of 20,000 people scored #21 on Fortune's 2023 Best Places to Live for Families list. It has countless outdoor destinations and entertainment options within driving distance, from the Fleming Museum of Art to Lake Champlain.
If your family is like many in South Burlington, you enjoy spending time outdoors. The area is rich in parks and trails for hiking and biking, including Red Rocks Park, Overlook Park and Oakledge Park. Your family can hop in the car and reach stunning Mount Mansfield to the east in 45 minutes. You can drive with peace of mind if you have good auto insurance.
Island Line Rail Trail is another local favorite for families and fitness enthusiasts. If spending time on the water is more your thing, you can take a canoe, kayak or stand-up paddleboard along the Lake Champlain Paddler's Trail. You need a vehicle with a roof rack or trailer hitch to get your gear to the lake, but then you can relax to your heart's content.
When you spend a lot of time outdoors, your car insurance coverage needs are different from someone who stays around town. For example, if you tow a trailer or camper behind your vehicle, you should consider collision coverage. It's easy to make a mistake and collide with trees or posts when you're in the wilderness.
Collision insurance also helps you repair or replace your vehicle if you slide off the road in winter. Considering that South Burlington gets an average of 74 inches of snow each year and 150 days of freezing weather, icy roads are always likely.
Last but not least, collision insurance also provides coverage in case of impacts with deer or other wildlife. In 2018, almost 2,500 accidents involved collisions with deer on Vermont highways, such as Interstate 89.
The city offers many options for business professionals and working moms and dads. South Burlington is known as the birthplace of Ben & Jerry's ice cream, but it also has a variety of technology businesses, retail stores and other industries.
The overwhelming majority of families in the city (75%) commute to work by car. South Burlington has public transportation options, but they're time-consuming and inflexible. Just 2% of local workers use metro transport. Not surprisingly, about 60% of households own at least two vehicles.
If you take Interstate 89 or U.S. Hwy 7 to work every day, you need to choose car insurance designed for traffic risks. Many highway crashes involve distracted drivers, such as people who are texting and driving. Rear-end collisions are common.
On city streets, car accidents usually happen at intersections. Speeding vehicles may run red lights and crash into you from the side. Angle- and rear-impact accidents have a higher level of injury risk.
In these situations, it's smart to have car insurance with personal injury protection. PIP coverage covers the cost of emergency medical treatment, ongoing care, recovery costs and similar expenses after a car accident.
On average, car insurance in South Burlington costs just over $1,000 annually. This pricing is similar to other cities in Vermont but far less than the U.S. average. With VIU by HUB, you can customize your policy for even better protection, comparing options for collision, PIP, comprehensive and other coverage types.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
