Vermont Auto Insurance Rates & Requirements 2025
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 under a traditional at-fault tort system where the driver responsible for an accident pays for damages. All registered vehicles must carry liability insurance or an approved alternative, verified through the Vermont Department of Motor Vehicles' electronic insurance verification system.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $74/mo
Average car insurance spending in Vermont
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Insurance RatesFrequently Asked Questions
Is Vermont a no-fault state for car insurance?
No, Vermont is an at-fault tort state. The driver who causes an accident is financially responsible for injuries and damages, and injured parties can sue for amounts exceeding insurance policy limits. This makes higher liability coverage particularly important since Vermont law places no cap on personal liability for accident damages you cause.
Does Vermont require SR-22 insurance?
Yes, Vermont requires SR-22 certification (called FR-19 in Vermont) for drivers with DUI convictions, multiple at-fault accidents, driving without insurance, or license suspensions. The FR-19 is a certificate your insurer files with the DMV proving you carry at least minimum liability coverage. You must maintain it for three years, and any lapse triggers immediate license suspension.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Vermont's 25/50/10 minimum is among the lowest in the Northeast and inadequate for serious accidents — medical transport alone can exceed $25,000.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your liability exposure and your own vehicle. Industry shorthand for complete protection rather than a single policy type.
Comprehensive Coverage
Pays for non-collision damage to your vehicle including deer strikes, falling branches, hail, theft, and vandalism. Requires collision coverage or loan/lease agreement to purchase.
Collision Coverage
Repairs or replaces your vehicle after an accident regardless of fault. Pays up to actual cash value minus your deductible whether you hit another car, guardrail, or slide off an icy road.
Uninsured Motorist Coverage
Protects you when an at-fault driver lacks insurance or carries insufficient limits to cover your injuries and damages. Vermont requires insurers to offer 50/100/10 minimum coverage.
Medical Payments Coverage
Covers medical expenses for you and passengers regardless of fault, providing immediate payment without waiting for liability determination. Vermont requires insurers to offer minimum $1,000 coverage.