Vermont motorcycle insurance

Illustration of the Brown Covered Bridge, a wooden covered bridge, in Vermont.Illustration of the Brown Covered Bridge, a wooden covered bridge, in Vermont.

With all the natural and historical beauty Vermont offers, there’s no better way to discover its hidden gems than by hitting the road on your motorcycle. Before you get out on the road, make sure you’re protected from any unplanned incidents with the right motorcycle insurance, and familiarize yourself with the state’s motorcycle laws.

What’s required of all motorcycle riders in Vermont?

You may only operate a motorcycle in Vermont if you’re at least 16 years old and have a motorcycle endorsement on your Vermont driver’s license. Here are some of the other rules of the road the state requires you to follow:

  • Helmets: Helmets are required for all riders and passengers in Vermont.

  • Eye protection: If your motorcycle isn’t equipped with a windshield, eye protection is required.

  • Handlebars: The handlebars on your bike can’t be more than 15 inches above the driver’s seat.

  • Mirrors: Your motorcycle must be equipped with at least one rear-view mirror.

  • Headlight: Your motorcycle must have an adequate headlight.

  • Brakes: Hand and foot breaks are required.

  • Muffler: An adequate exhaust system is required for bikes in Vermont.

  • Passengers: If you carry a passenger, your bike must have a permanent seat and hand holds for the passenger.

  • Safety Inspection: You’ll need to have your motorcycle inspected every year, and the inspection decal must be placed on the left outer side of the windscreen, the left front fork leg, or a metal tag attached to the left side of the frame.

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What are the motorcycle insurance requirements in Vermont?

The laws in Vermont state that motorcycle riders must meet these minimum motorcycle insurance coverage requirements:

Liability coverage

  • $25,000 for bodily injury liability or death to one person

  • $50,000 for bodily injury liability or death to two or more persons

  • $10,000 for property damage liability

Uninsured motorist and underinsured motorist coverage

  • $25,000 for bodily injury to one person

  • $50,000 for bodily injury to two or more persons

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Ready to insure your bike?

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Are optional motorcycle insurance coverages available in Vermont?

Yes, there are a range of comprehensive motorcycle insurance coverage options that can be added to your policy to help ensure coverage in more situations.

Medical payments coverage

Medical payments coverage can help pay for the costs of medical coverage if you and your passengers sustain bodily injuries, regardless of who was at fault in the accident that led to the injuries.

Comprehensive coverage

If your motorcycle is damaged by something other than a collision, comprehensive motorcycle insurance can help you pay for repairs and other costs. This coverage frequently applies following incidents like theft, vandalism, and weather events like hailstorms.

Collision coverage

When your motorcycle is involved in a collision with another vehicle or a stationary object—or even if it just tips over and is damaged—your collision coverage can help pay for the resulting costs of the damage.

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Build a policy that works for you

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

Vermont motorcycle insurance discounts

We provide discounts for motorcycle insurance to help protect you while keeping costs down. Below are some discounts available with our motorcycle insurance in Vermont.

  • Advance quote

  • Loyalty

  • Claim-free renewal

  • Experienced rider

  • Garaging

  • Harley Owners Group (H.O.G.) member

  • Homeowner

  • Motorcycle endorsement

  • Multi-line

  • Multi-vehicle

  • Operator safety course

  • Ownership

  • Paid-in-full

  • Prompt payer

  • Rider group

  • Transfer

Sites to see in Vermont

Known as The Green Mountain State, Vermont is home to millions of acres of vast forest landscapes. The state also proudly houses more than 100 centuries-old covered bridges. These structures were originally built with roofs to protect the wooden bridges from the crushing weight of snow.

Here are some interesting places to check out along your route through Vermont.

Smugglers' Notch Resort

Hiking and skiing are some of the most beloved recreational activities in Vermont. Smugglers' Notch Resort comes with gorgeous trails and many fantastic facilities within its premises.

And don't let the name fool you—this ski resort (or hiking trail if you're going in the summer) is great for both single and family trips. If you're on a road trip on your bike, be sure to visit.

Hildene, The Lincoln Family Home

Do remnants of American history pique your interest? The Lincoln Family home is located at 1005 Hildene Road and is the former summer home of Robert and Mary Lincoln. The home-turned-museum has a guided tour to help you digest and understand its cultural significance as the home of President Abraham Lincoln’s son, Robert.

Aside from the house itself, the overlooking views on the distant mountains are just spectacular. Do yourself a favor and ride your motorcycle around these parts. You won't regret it.

Jay Peak Resort

Jay Peak Resort is another spectacular skiing and hiking area and an absolute gem to visit. While Vermont isn’t exactly known for its amusement parks, Jay Peak Resort has unique attractions that may interest people of all ages.

It's a ski resort that doubles as an indoor water park featuring water slides and a wave pool. How interesting is that?

Want to explore Vermont off the beaten path? We have coverage options for your ATVs, UTVs, dirt bikes, and snowmobiles.

Get a Vermont motorcycle insurance quote

It’s the perfect getaway state for a road trip chock full of activities like hiking and skiing. Ready to start your Vermont adventure? Make sure you’re ready with the right motorcycle insurance coverage. Enter your information below or give us a call at 866-324-7952 to get started.

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