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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.​

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Table of Contents

Table of Contents

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 ...

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Written by
Merriya Valleri
Sara Routhier

Sr. Director of Content

Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....

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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...

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Reviewed by
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Updated August 2025

Vermont car insurance requirements mandate 25/50/10 in liability coverage—$25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage.

Drivers must also carry uninsured/underinsured motorist coverage with limits of 50/100/10. Optional add-ons include collision, comprehensive, and medical payments coverage.

Vermont Car Insurance Minimum Coverage Requirements

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

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To comply with Vermont car insurance laws, you must show proof of insurance when registering a vehicle, after an accident, or during a traffic stop.

The Rundown

  • Vermont requires 25/50/10 of liability coverage
  • Proof of insurance must be shown at traffic stops, crashes, or registration
  • Optional coverages include collision, comprehensive, and medical payments

Failure to meet financial responsibility laws may result in fines, license points, or the requirement to file an SR-22. Ready to find the best car insurance plan? Get instant insurance rates in our free comparison tool.

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.

Comprehensive vs. Collision Definition Card: Vermont Car Insurance Requirements

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.

Read more: Vermont Car Insurance Discounts

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Cheapest Car Insurance Options in VT

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

Cheapest in Vermont: USAA
4.8

Company Facts

Min. Coverage in Vermont

$16/mo

A.M. Best

A++

Complaint Level

High

Pros & Cons

  • Rates are lower than the national average
  • Customer complaints for home insurance are generally low
  • USAA includes many free coverage options in standard policies
  • Easy-to-use mobile app
  • Fewer coverage options compared to competitors
  • Strict membership requirements
  • USAA doesn’t write flood insurance and windstorm coverage options
» USAA Car Insurance Review
2nd Cheapest in Vermont: Travelers
4.4

Company Facts

Min. Coverage in Vermont

$24/mo

A.M. Best Rating

A++

Complaint Level

Med

Pros & Cons

  • Various discounts offered, such as bundling policies for potential savings
  • Feature-rich mobile app for convenient access to policy information
  • Robust online account management capabilities
  • Efficient claim processing with positive customer feedback
  • Extensive coverage options for personal and business insurance
  • Some customer reviews mention increasing prices for no obvious reason, indicating that premium costs may not remain static for all policyholders.
  • The availability of discounts can vary, and eligibility criteria may apply. It’s recommended to check with Travelers Insurance directly or consult with an agent for personalized information.
  • While Travelers Insurance is prominent, the insurance industry is highly competitive, and individual preferences may vary. It’s essential to compare offerings from various insurers to find the best fit.
» Travelers Car Insurance Review
3rd Cheapest in Vermont: Nationwide
4.5

Company Facts

Min. Coverage in Vermont

$27/mo

A.M. Best

A+

Complaint Level

Low

Pros & Cons

  • Extensive range of insurance products and financial services
  • Longstanding reputation and a history dating back to 1925
  • Nationwide operates in all 50 states and the District of Columbia
  • Positive customer feedback on customer service, ease of use, and competitive rates
  • Multiple discounts available
  • Some customers have reported issues with billing, claims processing, or customer service
  • Individual experiences may vary, and not all customers may have positive feedback
» Nationwide Car Insurance Review

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

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

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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

Insurance CompanyAge: 17 FemaleAge: 17 MaleAge: 25 FemaleAge: 25 MaleAge: 35 FemaleAge: 35 MaleAge: 65 FemaleAge: 65 Male
Allstate: Vermont Car Insurance Requirements$350$199$237$250$202$215$199$199
American Family: Vermont Car Insurance Requirements$210$117$130$140$110$120$117$119
Farmers: Vermont Car Insurance Requirements$300$144$182$195$155$165$144$143
Geico: Vermont Car Insurance Requirements$120$53$71$60$45$50$53$53
Liberty Mutual: Vermont Car Insurance Requirements$250$130$158$170$134$145$130$140
Nationwide: Vermont Car Insurance Requirements$220$105$132$145$112$122$105$108
Progressive: Vermont Car Insurance Requirements$400$252$274$290$233$245$252$252
State Farm: Vermont Car Insurance Requirements$250$122$144$160$122$130$122$122
Travelers: Vermont Car Insurance Requirements$180$104$116$130$99$105$104$105
USAA: Vermont Car Insurance Requirements$140$59$86$95$73$80$59$59

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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

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate: Vermont Car Insurance Requirements$203$233$267$2,324
American Family: Vermont Car Insurance Requirements$121$142$183$1,696
Farmers: Vermont Car Insurance Requirements$147$183$209$1,715
Geico: Vermont Car Insurance Requirements$54$54$85$1,113
Liberty Mutual: Vermont Car Insurance Requirements$143$158$176$1,550
Nationwide: Vermont Car Insurance Requirements$110$126$161$1,822
Progressive: Vermont Car Insurance Requirements$258$323$443$2,561
State Farm: Vermont Car Insurance Requirements$125$136$148$1,147
Travelers: Vermont Car Insurance Requirements$108$146$151$1,887
USAA: Vermont Car Insurance Requirements$60$69$83$1,016

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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.

Proof of Insurance Definition Card: 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.

Social Media Post: Vermont car insurance requirements

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.

USAA screenshot: Vermont Car Insurance Requirements

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.

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