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Vermont Auto Insurance Rates & Minimum Coverage

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, meaning at-fault drivers are financially responsible for injuries and damages they cause. The state requires proof of financial responsibility before registering a vehicle — most drivers satisfy this with liability insurance, though bonds and certificates of deposit are alternative options.

Bodily Injury Liability

Covers medical bills, lost wages, and legal costs when you injure someone in an at-fault accident.

Property Damage Liability

Pays for damage to other vehicles, buildings, or property you hit. You'll pay out-of-pocket for anything above your limit, and the other driver can sue you for the remainder.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage to pay your bills. Vermont insurers must offer UM/UIM matching your liability limits, but you can decline it by signing a waiver.

Medical Payments Coverage

Optional coverage that pays medical bills for you and your passengers regardless of fault. Vermont does not mandate MedPay, but it fills gaps if you lack health insurance or have high deductibles. For cost-conscious drivers, evaluate whether your existing health insurance provides adequate accident coverage before adding this to your policy.

Cost Overview

$34–$57/mo

Typical monthly rate in Vermont, minimum-coverage policies

Rate data: NerdWallet, ValuePenguin and Insurify, 2026

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Coverage Types

Liability Insurance

The only legally required coverage in Vermont — pays for injuries and property damage you cause to others. State minimums of 25/50/10 leave you personally liable for anything beyond those limits, including wage garnishment and asset seizure if you're sued.

Full Coverage

Combines liability, collision, and comprehensive to repair or replace your vehicle after accidents, theft, vandalism, or animal strikes. Only makes financial sense if your car is worth more than $5,000–$7,000 or you're still making loan payments.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage. Vermont requires insurers to offer this, but you can waive it in writing — a risky choice given approximately 6% of drivers operate uninsured.

Collision Coverage

Repairs your vehicle after hitting another car, object, or rolling over, minus your deductible. If your car is worth $3,000 and collision costs $600/year with a $1,000 deductible, you're paying 20% of the car's value annually for coverage capped at $2,000.

Comprehensive Coverage

Covers theft, vandalism, fire, weather damage, and animal collisions. If you hit a deer or a tree falls on your car, comprehensive pays the repair cost minus your deductible.

SR-22 Insurance

Not a coverage type but a certificate proving you carry insurance, filed by your insurer with the Vermont DMV. Required after DUI, multiple violations, or driving uninsured — typically mandated for three years.