Vermont Car Insurance Requirements in 2025 (VT Minimum Coverage Guide)

Vermont car insurance requirements mandate drivers to carry 25/50/10 in bodily injury and property damage liability coverage. Drivers must also follow uninsured motorist coverage limits of 50/100/10. Find affordable VT car insurance options, with monthly rates starting as low as $25.

UPDATED: Aug 21, 2025Fact Checked

Free Auto Insurance Comparison

Compare Quotes From Top Companies and Save

Secured with SHA-256 Encryption

Written by:

Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Full Bio →

Written by Merriya Valleri

Insurance and Finance Writer

Reviewed by:

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...

Full Bio →

Reviewed by Jeff Root

Licensed Insurance Agent

+ More - Less

UPDATED: Aug 21, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Aug 21, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Coverage	Limits
Bodily Injury Liability	$25,000 per person / $50,000 per accident
Property Damage Liability	$10,000 per accident

Vermont Minimum Coverage Requirements & What They Cover

All personal vehicles in Vermont require the following liability coverage requirements:

$25,000/$50,000 for bodily injury liability
$10,000 for property damage liability

Additionally, Vermont requires the following coverages:

$50,000/$100,000 for uninsured/underinsured motorist bodily injury
$10,000 for uninsured/underinsured motorist property damage

Additional insurance coverage can include:

Comprehensive and collision coverage

Comprehensive coverage covers non-collision damage, such as falling trees or break-ins.

Collision car insurance covers repairs or replacement regardless of fault. Both often come bundled and require a deductible.

Vermont car insurance requirements include 25/50/10 in liability and 50/100/10 in UM coverage. Add comprehensive if at risk for theft or non-collision damage.

Chris Abrams Licensed Insurance Agent

If your vehicle is commonly stolen in Vermont, it’s recommended to have comprehensive coverage.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Cheapest Car Insurance Options in VT

The cheapest car insurance in VT starts at $16 per month with USAA.

Cheapest in Vermont: USAA

6,590 reviews

4.8

Company Facts

Min. Coverage in Vermont

$16/mo

A.M. Best

A++

Complaint Level

High

Pros & Cons

» USAA Car Insurance Review

6,590 reviews

2nd Cheapest in Vermont: Travelers

1,734 reviews

4.4

Company Facts

Min. Coverage in Vermont

$24/mo

A.M. Best Rating

A++

Complaint Level

Med

Pros & Cons

» Travelers Car Insurance Review

1,734 reviews

3rd Cheapest in Vermont: Nationwide

3,071 reviews

4.5

Company Facts

Min. Coverage in Vermont

$27/mo

A.M. Best

A+

Complaint Level

Low

Pros & Cons

» Nationwide Car Insurance Review

3,071 reviews

Travelers offers coverage for $24 per month, followed by Nationwide at $27 per month. Rates vary by driver profile. The table below shows monthly minimum coverage car insurance rates by city in Vermont.

Vermont Min. Coverage Car Insurance Monthly Rates by City

City	Rates
Barre	$27
Brattleboro	$28
Burlington	$32
Colchester	$31
Essex Junction	$29
Middlebury	$27
Montpelier	$30
Rutland	$28
South Burlington	$29
Stowe	$26

Compare RatesStart Now →

Stowe has the cheapest minimum coverage rate in Vermont at $21 per month.

The table below displays monthly car insurance rates in Vermont by age and gender.

Car Insurance Monthly Rates in Vermont by Age & Gender

Age: 17 Female	Age: 17 Male	Age: 25 Female	Age: 25 Male	Age: 35 Female	Age: 35 Male	Age: 65 Female	Age: 65 Male
$350	$199	$237	$250	$202	$215	$199	$199
$210	$117	$130	$140	$110	$120	$117	$119
$300	$144	$182	$195	$155	$165	$144	$143
$120	$53	$71	$60	$45	$50	$53	$53
$250	$130	$158	$170	$134	$145	$130	$140
$220	$105	$132	$145	$112	$122	$105	$108
$400	$252	$274	$290	$233	$245	$252	$252
$250	$122	$144	$160	$122	$130	$122	$122
$180	$104	$116	$130	$99	$105	$104	$105
$140	$59	$86	$95	$73	$80	$59	$59

Compare RatesStart Now →

Rates reflect how Vermont car insurance requirements impact premiums across different demographics.

The table below shows monthly car insurance rates in Vermont by provider and driving record.

Car Insurance Monthly Rates in Vermont by Provider & Driving Record

Clean Record	One Ticket	One Accident	One DUI
$203	$233	$267	$2,324
$121	$142	$183	$1,696
$147	$183	$209	$1,715
$54	$54	$85	$1,113
$143	$158	$176	$1,550
$110	$126	$161	$1,822
$258	$323	$443	$2,561
$125	$136	$148	$1,147
$108	$146	$151	$1,887
$60	$69	$83	$1,016

Compare RatesStart Now →

Premiums differ depending on how each insurer assesses Vermont car insurance requirements and your driving record.

Consequences of Driving Without Insurance in Vermont

Proof of insurance is required to meet Vermont car insurance requirements.

Failure to show proof of insurance may result in:

A fine
License points
SR-22 filing with the Vermont DMV

Failure to provide it can result in a $500 fine and loss of license points. Offenders may also need to file an SR-22 with the Vermont Department of Motor Vehicles. You can use our free online tool to find the best car insurance companies and avoid car insurance penalties in Vermont for not having proof of insurance.

Proof of Insurance and Financial Responsibility

Proof of insurance and financial responsibility:

Get a standard liability car insurance policy
Purchase a $115,000 surety bond
File $115,000 self-insurance proof with the Vermont DMV (may be required before inspection)

Vermont car insurance requirements allow drivers to meet financial responsibility by carrying liability insurance with limits, posting a $115,000 bond, or filing a self-insurance certificate with the Department of Motor Vehicles (DMV).

Read More: Best Car Insurance in Your State

The Reddit post below highlights a positive experience with Progressive—affordable, reliable, and the cheapest option found in Vermont, with consistent coverage across 12 years, 4 states, and multiple claims.

It’s a strong example that affordable car insurance in Vermont can provide proof of insurance and meet financial responsibility requirements. Proof of self-insurance or a surety bond of $115,000 may be required before inspection to meet Vermont car insurance requirements if you opt out of a standard policy.

Required Documentation

Your insurer isn’t required to notify PennDOT of your coverage. To show proof of insurance, provide:

Insurance ID card
Written certificate if the insurer isn’t authorized in Vermont

Visit USAA’s website to upload insurance proof or view your digital ID card.

Keep it accessible while driving, registering your vehicle, or after an accident.

Vermont car insurance requirements mandate drivers to show proof of insurance when driving, registering, inspecting a vehicle, or after accidents. Upload or access it on your insurer’s site.

Jeffrey Manola Licensed Insurance Agent

You must show proof:

When asked by police (you have 15 days if not immediately available)
During vehicle registration or inspection
After an accident

Vermont car insurance requirements mandate 25/50/10 liability and uninsured motorist coverage. Proof must be shown when registering, driving, or after an accident. Enter your ZIP code in our free tool to start comparing rates today.

Vermont Insurance Agents

Burlington Car Insurance | Barre Car Insurance | Bennington Car Insurance | Essex Car Insurance | South Hero Car Insurance

Frequently Asked Questions

What are the minimum requirements for car insurance in Vermont?

In Vermont, drivers are required to have liability coverage with a minimum of:

$25,000 for bodily injury per person.
$50,000 for bodily injury per accident.
$10,000 for property damage per accident. This is known as 25/50/10 coverage.

These are the minimum car insurance requirements in VT.

Is it necessary to have uninsured/underinsured motorist coverage in Vermont?

Vermont law requires insurance companies to offer uninsured and underinsured motorist coverage, but drivers are not required to purchase it. However, it is highly recommended to protect against potential accidents caused by uninsured or underinsured drivers.

Can I use my out-of-state car insurance in Vermont?

If you are visiting Vermont from another state, your out-of-state insurance policy will generally be recognized. However, it’s always a good idea to check with your insurance company to make sure you are adequately covered.

Can I register a car in Vermont without insurance?

No, proof of insurance is required when you register your vehicle in Vermont.

What happens if I don’t have car insurance in Vermont?

Driving without insurance in Vermont can result in fines, license suspension, and even imprisonment in some cases. Additionally, if you cause an accident and don’t have insurance, you will be personally responsible for any damages and injuries incurred by other drivers or passengers.

Are there any discounts available for car insurance in Vermont?

Yes, there are several discounts available, including safe driver discounts, good student discounts, multi-car discounts, and more. Be sure to ask your insurance provider about available discounts to save money on your car insurance premiums.

What is an SR-22, and when is it required in Vermont?

Vermont SR-22 requirements include filing a certificate of financial responsibility after certain violations, such as driving without insurance. An SR-22 must be maintained for a minimum of three years.

Can my car insurance company cancel my policy?

Yes, Vermont car insurance companies can cancel your policy if you miss payments or provide false information on your application. They may also choose not to renew your policy at the end of the term if they determine you’re too high-risk to insure.

How can I find affordable car insurance in Vermont?

Compare car insurance rates from multiple insurers. USAA offers rates starting at $16 per month; Travelers costs $24 per month and Nationwide offers rates at $27 per month.

How can I compare car insurance rates in Vermont?

To compare car insurance rates in Vermont, you can use free online comparison tools, or you can contact several insurance providers directly for rates.

Be sure to compare not only the rates but also the coverage options and customer service ratings to find the best policy for your needs.

Texas Car Insurance Requirements for 2025 (What Every TX Driver Needs)

Pennsylvania Car Insurance Requirements in 2025 (Minimum Coverage in PA)

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Written by:

Merriya Valleri

Insurance and Finance Writer

Full Bio →

Written by Merriya Valleri

Insurance and Finance Writer

Reviewed by:

Jeff Root

Licensed Insurance Agent

Full Bio →

Reviewed by Jeff Root

Licensed Insurance Agent

+ More - Less

Vermont Car Insurance Requirements in 2025 (VT Minimum Coverage Guide)

​Vermont car insurance requirements mandate drivers to carry 25/50/10 in bodily injury and property damage liability coverage. Drivers must also follow uninsured motorist coverage limits of 50/100/10. Find affordable VT car insurance options, with monthly rates starting as low as $25.​

Free Auto Insurance Comparison

It’s all about you. We want to help you make the right coverage choices.

It’s all about you. We want to help you make the right coverage choices.

On This Page

Vermont Minimum Coverage Requirements & What They Cover

Compare The Best Insurance Quotes In The Country

Cheapest Car Insurance Options in VT

Company Facts

Min. Coverage in Vermont

A.M. Best

Complaint Level

Pros & Cons

Company Facts

Min. Coverage in Vermont

A.M. Best Rating

Complaint Level

Pros & Cons

Company Facts

Min. Coverage in Vermont

A.M. Best

Complaint Level

Pros & Cons

Consequences of Driving Without Insurance in Vermont

Proof of Insurance and Financial Responsibility

Required Documentation

Vermont Insurance Agents

Frequently Asked Questions

What are the minimum requirements for car insurance in Vermont?

Is it necessary to have uninsured/underinsured motorist coverage in Vermont?

Can I use my out-of-state car insurance in Vermont?

Can I register a car in Vermont without insurance?

What happens if I don’t have car insurance in Vermont?

Are there any discounts available for car insurance in Vermont?

What is an SR-22, and when is it required in Vermont?

Can my car insurance company cancel my policy?

How can I find affordable car insurance in Vermont?

How can I compare car insurance rates in Vermont?

Compare The Best Insurance Quotes In The Country

Related Articles

Free Insurance Comparison

Free Car Insurance Comparison

Vermont car insurance requirements mandate drivers to carry 25/50/10 in bodily injury and property damage liability coverage. Drivers must also follow uninsured motorist coverage limits of 50/100/10. Find affordable VT car insurance options, with monthly rates starting as low as $25.