Vermont Car Insurance Requirements
Numbers refreshed
Every driver in Vermont must carry the minimum coverage, and this explains what it pays for.
- $34.what liability costs each month on average.
- 25/50/10.the lowest liability limits you can carry.
- 50th of 51.the priciest state (1st = highest).
What the state of Vermont requires
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $10,000 |
| Personal injury protection | Not required |
| Uninsured motorist | Required |
| Underinsured motorist | Required |
| Fault system | At-fault |
Source: Vermont Statutes Title 23 Chapter 11 (VT Legislature); Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What the numbers pay for
In Vermont, the minimum liability limits are 25/50/10. Each person hurt is covered up to $25,000, everyone hurt in one crash up to $50,000, and damage to someone else's property up to $10,000.
These limits often fall short of what medical bills and a newer car cost. Anything above those limits can be claimed from you, which is why many drivers purchase 100/300/100 instead. The average liability policy in Vermont runs $405 a year.
Driving with no insurance
Your license and registration are at stake when you drive with no insurance in Vermont. Getting them back may mean filing proof of insurance for several years.
Questions are directed to the Vermont Department of Motor Vehicles (DMV).
More about car insurance in Vermont
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