What is the minimum car insurance requirement in Vermont?

Vermont requires liability limits of at least 25/50/10. $25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage.

Is Vermont an at-fault or no-fault state?

Vermont is an at-fault at-fault state for car insurance claims.

Field report · VT

Car insurance in Vermont

Vermont is a at-fault state with a minimum liability requirement of25/50/10. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/10

Fault systemAt-fault

Uninsured motoristRequired

RegulatorVermont Department of Motor Vehicles (VT DMV)

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage.

Both UM and UIM are mandatory, and distinctively set higher than the liability minimums: 50/100/10 bodily injury - Vermont is one of only a few states (with Maine and Connecticut) to compel both UM and UIM.

Estimated cost

Illustrative estimate: roughly $463/year for minimum coverage - among the cheapest states nationally.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

Required after a DUI conviction, typically for about 3 years.

Local conditions worth knowing

Vermont is rural and sparsely populated with significant winter weather, and low traffic density combines with these factors to produce some of the lowest average premiums in the country.

Frequently asked

What is the minimum car insurance requirement in Vermont?: Vermont requires liability limits of at least 25/50/10. $25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage.
Is Vermont an at-fault or no-fault state?: Vermont is an at-fault at-fault state for car insurance claims.
Do I need an SR-22 in Vermont?: Required after a DUI conviction, typically for about 3 years.
Is uninsured motorist coverage required in Vermont?: Both UM and UIM are mandatory, and distinctively set higher than the liability minimums: 50/100/10 bodily injury - Vermont is one of only a few states (with Maine and Connecticut) to compel both UM and UIM.

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