Vermont's liability minimums are 25/50/10, $25,000 of bodily injury coverage per person, $50,000 per accident, and $10,000 for property damage, under 23 V.S.A. §800. The oddity is what sits next to them: Vermont also requires uninsured and underinsured motorist coverage on every policy, and its minimums are $50,000 per person and $100,000 per accident, double the liability floor. Almost no other state sets its mandatory UM limits above its liability limits.
In practice that means a minimum Vermont policy protects you against an uninsured driver better than it protects an uninsured driver's victims against you. Vermont is an at-fault state with no PIP requirement, and its $10,000 property-damage minimum is among the lowest still on the books, two reasons the legal floor and a sensible policy are further apart here than the small premiums suggest.
The figures below explain the policy structure used in Vermont. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Vermont minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $25,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $50,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $10,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- Not required (at-fault state)
- What it generally addresses
- Medical coverage rules vary by policy
- Coverage
- Additional state rule
- Required amount or rule
- Uninsured/underinsured motorist coverage required at $50,000/$100,000 bodily injury and $10,000 property damage
- What it generally addresses
- Review the selection or rejection shown on the quote
- Coverage
- Accident framework
- Required amount or rule
- At-fault
- What it generally addresses
- The responsible driver's liability coverage is central
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $25,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $50,000 | Total covered injuries in one accident |
| Property damage liability | $10,000 | Covered damage you cause to other property |
| PIP or medical coverage | Not required (at-fault state) | Medical coverage rules vary by policy |
| Additional state rule | Uninsured/underinsured motorist coverage required at $50,000/$100,000 bodily injury and $10,000 property damage | Review the selection or rejection shown on the quote |
| Accident framework | At-fault | The responsible driver's liability coverage is central |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Vermont
State law is only the starting point. These Vermont-specific details show what to confirm before you compare coverage or buy a policy.
Vermont's unusual UM/UIM mandate
Under 23 V.S.A. §941, every Vermont policy must include uninsured and underinsured motorist coverage of at least $50,000/$100,000 for bodily injury plus $10,000 for property damage (subject to a $150 deductible). And if you buy liability limits above the minimum, your UM/UIM limits must match them unless you opt out in writing, the statute defaults you into symmetric protection.
Nationally, 15.4% of drivers were uninsured in 2023, per the Insurance Research Council. Vermont's answer is to make every insured driver carry meaningful protection against them by default. When comparing Vermont quotes, the UM/UIM line is already comparable across carriers at the minimum level; the differences show up in how each prices the matching limits on larger policies.
SR-22s in Vermont
Vermont requires SR-22 filings after serious violations, DUI, driving with a suspended license, or driving without insurance. Your insurer files the certificate with the Vermont DMV, typically for about three years, proving you carry at least the required coverage.
Not every carrier writes SR-22 business in a small market like Vermont, and those that do surcharge the underlying violation very differently. For SR-22 drivers, the useful comparison is which carriers will file at all, and what premium each attaches to the same record.
What Vermont drivers pay
Vermont is one of the least expensive auto insurance markets in the country: NAIC data puts the state's average annual expenditure at $793 in 2022, versus $1,127 countrywide, notable given the mandatory UM/UIM package built into every policy. Low traffic density and low theft rates do most of the work. Averages still hide a wide spread between carriers for the same driver, so the low statewide figure is a reason to expect good quotes, not a substitute for collecting them.
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Start a Vermont quote requestWhat affects car insurance rates in Vermont?
Average annual expenditure for auto insurance in Vermont was $793 in 2022. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024). It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Vermont ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Vermont car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Vermont. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Vermont city
State law applies across Vermont, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Vermont page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is 23 V.S.A. §800 & §941; Vermont Department of Motor Vehicles. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Vermont Legislature — 23 V.S.A. §800 ↗Current state statute setting Vermont's minimum automobile liability limits.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
Vermont car insurance FAQs
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