Car insurance · Vermont
Car insurance requirements in Vermont
Liability 25/50/10 plus uninsured/underinsured motorist 50/100. Claims system: fault-based claims.
Verified summaryAll Vermont insurance topics
Requirements
Minimum car insurance requirements in Vermont
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Vermont
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.
- The statute text on the legislature's site sets the uninsured motorist property damage coverage at no more than $10,000 per claim.
Optional coverage
Coverage you can add in Vermont
- Higher liability and uninsured/underinsured limits
- Collision
- Comprehensive
- Medical payments
Penalties
Penalties for driving without insurance in Vermont
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.
Good to know
Other things 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.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Vermont
- 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.
- Vermont Statutes Title 23, chapter 11: Financial responsibility and insurancelegislature.vermont.gov
- Vermont DMV: Insurancedmv.vermont.gov
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Vermont.
Home insurance resources and the health marketplace for Vermont are on its overview page.