State guide
Insurance in Vermont
Required coverage, penalties, official contacts and sources for Vermont, reviewed 2026-10.
Verified summaryChoose another state
Car insurance
What Vermont requires.
Liability 25/50/10 plus uninsured/underinsured motorist 50/100. Claims system: fault-based claims.
| Coverage | Requirement in Vermont |
|---|---|
| Bodily injury liability | $25,000 for one person / $50,000 for two or more persons killed or injured, in any one crash |
| Property damage liability | $10,000 for damages to property in any one crash |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Required in every liability policy (23 V.S.A. 941), with limits of not less than $50,000 for one person and $100,000 for two or more persons in the statute text we read |
Required coverage
- An automobile liability policy or bond of at least $25,000 for one person and $50,000 for two or more persons killed or injured
- At least $10,000 for damages to property in any one crash
- Uninsured, underinsured and hit-and-run motorist coverage in every liability policy issued for a vehicle registered or principally garaged in Vermont
- Proof of financial responsibility whenever you operate the vehicle on the highways
Other coverage commonly available
- Higher liability and uninsured/underinsured limits
- Collision
- Comprehensive
- Medical payments
If you drive without required coverage
The Vermont DMV says it is illegal to operate a vehicle that is not covered by the minimum liability insurance in 23 V.S.A. 800. A person required to file Financial Responsibility Insurance with the DMV must keep it on file for a minimum of three years, and driving privileges are not reinstated until valid coverage is on file. The DMV accepts only an SR-22 certificate from an insurance company.
Notices
What to know in Vermont.
- Under 23 V.S.A. 800, a person may prove financial responsibility using a portable electronic device. Using a device for this purpose does not in itself consent to an officer accessing other contents of the device.
- The Commissioner of Motor Vehicles may require evidence of financial responsibility before motor vehicle inspections are performed.
- The statute text on the legislature's site sets the uninsured motorist property damage coverage at no more than $10,000 per claim.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Department of Financial Regulation
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Vermont Department of Financial Regulation is the state authority for questions about insurers, agents and complaints.
Health insurance
Vermont Health Connect
Vermont Health Connect (state-based marketplace)
- HealthInsurance.org lists Vermont as a state-run marketplace (Vermont Health Connect). State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- Vermont Department of Financial Regulation
- Website: dfr.vermont.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
Keep going.
Open the guides for your state, or choose another state.