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 state for car insurance claims.

Field report · VT

Car insurance in Vermont

Vermont is an at-fault state with a minimum liability requirement of 25/50/10. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/101

Fault systemAt-fault1

Uninsured motoristRequired1

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

$351 a year for minimum coverage, $1,610 for full coverage2

Average annual premiums in Vermont for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, 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 our cost calculator for a figure based on your own details, or get 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 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.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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