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Vermont Auto Insurance Rates & Requirements

Vermont requires 25/50/10 liability coverage and is an at-fault state.

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Vermont at a Glance

25/50/10

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

PIP and Uninsured motorist coverage must be on every policy

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Vermont operates as a traditional tort state where at-fault drivers are liable for damages. The state requires continuous proof of financial responsibility, enforced through random verification requests mailed to registered vehicle owners. Vermont is one of few states mandating uninsured/underinsured motorist coverage at limits matching or exceeding bodily injury liability, per Vermont Department of Motor Vehicles regulations.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Vermont's rural geography and two-lane mountain roads contribute to higher-severity crashes where minimum limits prove inadequate.

Property Damage Liability

Pays for damage to other vehicles, buildings, or property you damage in an at-fault collision. Vermont's high percentage of pickup trucks and SUVs on the road increases average repair costs, making this minimum particularly insufficient.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage to pay your medical bills. This requirement reflects Vermont's significant uninsured motorist rate, particularly in rural areas where enforcement is challenging.

Medical Payments Coverage

While not mandated, MedPay fills gaps for drivers without health insurance or with high-deductible health plans. Vermont's rural trauma care network means accident victims often face long ambulance transports to hospitals in Burlington, Rutland, or out-of-state facilities, increasing immediate medical costs.

Collision and Comprehensive Coverage

Collision covers damage to your vehicle in crashes regardless of fault; comprehensive covers theft, vandalism, weather, and animal strikes. Vermont's high deer population and severe winter weather make comprehensive claims frequent — deer collisions peak during fall mating season, and ice damage, frozen pipe-related parking structure collapses, and snowplow impacts are common winter claims. Lenders require both coverages on financed vehicles.

Cost Overview

about $74/mo

Average car insurance spending in Vermont

Rate data: NAIC Auto Insurance Database, 2023

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Frequently Asked Questions

How does Vermont verify auto insurance coverage?

Vermont uses random verification notices mailed to registered vehicle owners requiring proof of insurance within 30 days. The DMV also receives electronic updates when policies are cancelled or lapse. Police officers verify insurance during traffic stops, and failure to provide proof results in citations and potential suspension proceedings. Vermont requires continuous coverage for all registered vehicles, even those temporarily not driven.

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Vermont's 25/50/10 minimum leaves you personally liable for costs exceeding these limits in serious accidents.

Full Coverage

Combines liability, collision, comprehensive, and uninsured motorist coverage. Protects both your legal liability and your vehicle's value regardless of fault.

Comprehensive Coverage

Covers non-collision damage including theft, vandalism, weather, falling objects, and animal strikes. Pays actual cash value minus your deductible.

Uninsured Motorist Coverage

Mandatory in Vermont at 50/100 minimum. Pays your medical bills and lost wages when hit by an uninsured or underinsured driver, plus hit-and-run incidents.

Collision Coverage

Pays to repair or replace your vehicle after crashes with other vehicles or objects, regardless of who caused the accident. Subject to your chosen deductible.

SR-22 Insurance

Certificate of financial responsibility filed with the Vermont DMV after license suspension, DUI conviction, or multiple violations. Not a separate policy — it's proof your current insurance meets state minimums.

Find Your City in Vermont

Burlington

suburban

Essex

suburban

South Burlington

suburban

Colchester

suburban

Rutland

urban