Insurance
Car Insurance in Vermont
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Vermont has a rule that surprises a lot of drivers. The coverage that protects you from uninsured drivers must be twice as high as the liability coverage that protects other people from you.
Here's what Vermont requires, why the uninsured motorist rule works the way it does, and what happens if you can't show proof of coverage.
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Vermont's two sets of minimums
| Coverage | What it pays for | Vermont minimum |
|---|---|---|
| Liability | Injuries and damage you cause to others | $25,000 per person, $50,000 per crash, $10,000 property damage |
| Uninsured/underinsured motorist (UM/UIM) | Your injuries when the at-fault driver has no or too little insurance | $50,000 per person, $100,000 per crash |
| UM property damage | Damage to your car from an uninsured driver | Up to $10,000, with a $150 deductible |
That $10,000 property damage minimum for liability is low. It may not cover the cost to repair a newer car. If you cause a crash and the bill is higher, you could owe the rest.
How Vermont defines "underinsured"
This is where Vermont's rule helps you. Under Vermont law, the other driver counts as underinsured when their liability limits are lower than your own UM limits.
Example: you carry $100,000 in UM/UIM per person. The driver who hits you carries Vermont's minimum, $25,000 per person. Because $25,000 is less than your $100,000, your underinsured coverage can step in once their insurance pays.
It also counts if the other driver's coverage gets used up paying other people hurt in the same crash.
So the higher your UM/UIM limits, the more protection you buy. When you compare quotes, look at the UM/UIM limit on each, not just the liability limits.
UM property damage and the $150 deductible
Vermont's UM coverage also pays up to $10,000 for damage to your car caused by an uninsured driver, after a $150 deductible. If you have collision coverage, the deductible may be waived in some cases. Ask your insurer how the two work together on your policy.
If you can't show proof of insurance
Vermont treats these as civil violations, and the amounts are caps:
- Driving without required coverage: a civil penalty of up to $500
- Not carrying proof: a civil penalty of up to $100
There's a grace period for the second one. If you were insured but just couldn't show it, you have 7 business days to prove you had coverage at the time of the stop.
After a serious violation: SR-22 for three years
If Vermont requires you to file an SR-22, a form your insurer sends the state to prove you're covered, you must keep it for three years. If the policy lapses or is canceled, your insurer has to tell the DMV, and your license can be suspended. Learn more about SR-22 insurance.
What Vermont car insurance costs
Vermont isn't among the 10 cheapest or 10 most expensive states. Compared with income, it's fairly affordable. In 2021, Vermont households spent about 1.03% of their income on car insurance, below the U.S. average of 1.50%. About 11.8% of Vermont drivers were uninsured in 2023.
Winter roads and rural driving shape claims here. Comprehensive coverage pays for hitting a deer or other animal and for falling tree limbs. Collision pays for sliding into a guardrail on ice.
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Sources
- Vermont Statutes, 23 V.S.A. §800, Maintenance of financial responsibility
- Vermont Statutes, 23 V.S.A. §941, Uninsured, underinsured motorist coverage
- Vermont Department of Financial Regulation, Auto insurance
- Insurance Information Institute, Uninsured motorists (IRC 2023 data)
- IRC affordability index (2021), via Insurance Information Institute