Vermont drivers are legally required to carry a minimum amount of car insurance, summarized as 25/50/10. This stands for $25,000 of bodily injury liability per person; $50,000 of bodily injury liability per accident; and $10,000 of property liability per accident.

In addition, drivers must carry a minimum of $50,000 bodily injury per person,$100,000 bodily injury per accident, and $10,000 in property damage per accident in uninsured motorist coverage

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Vermont car insurance costs

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What car insurance is required by law in Vermont?

Vermont requires drivers to carry a minimum amount of

liability car insurance

and

uninsured/underinsured motorist coverage

Motorists also need to be able to produce valid

proof of insurance

upon the request of law enforcement or other authorities.

Here is a breakdown of the minimum insurance limits that Vermont car insurance laws require.

Vermont minimum car insurance

Type of coverage	Minimum insurance limit
Minimum liability coverage	25/50/10
Bodily injury per accident	$25,000
Bodily injury per person	$50,000
Property damage per accident	$10,000
Uninsured motorist coverage	50/100/10
Bodily injury per person	$50,000
Bodily injury per accident	$100,000
Property damage per accident	$10,000

Key Takeaway Vermont drivers must carry a minimum amount of liability car insurance and uninsured motorist coverage.

Liability insurance in VT

Like most states, the state of Vermont requires drivers to carry both types of liability insurance:

bodily injury liability

and

property damage liability

Liability insurance helps protect drivers from being held legally liable for damages to other parties if they cause an accident—but it will not help cover your own expenses.

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What are the mandated car insurance limits in Vermont?

All Vermont motorists need to carry basic liability insurance limits that are summed up as 25/50/10. They also must purchase a minimum amount of uninsured/underinsured motorist protection.

In total, Vermont drivers need to purchase six categories of coverage.

Here is a more detailed explanation of the minimum insurance requirements in Vermont and what they protect against.

$25,000 of bodily injury liability coverage per person: Your insurance provider will pay up to $25,000 per person to cover the cost of injuries if you are found to be at fault in an accident.

$50,000 of bodily injury liability coverage per accident: $50,000 is the maximum amount that your insurance company will pay to cover injuries for an at-fault accident.

$10,000 in property damage liability per accident: Your insurance company will pay out a maximum limit of $10,000 to cover the cost of property damage for other parties in an at-fault accident.

$50,000 of bodily injury uninsured/underinsured motorist insurance per person: $50,000 is the maximum per person amount that your insurance company will pay out to cover your medical expenses if you get in an accident caused by an underinsured driver.

$100,000 of bodily injury uninsured motorist coverage per accident: $100,000 is the highest uninsured/underinsured motorist payout you can receive to cover the cost of injuries for a single accident.

$10,000 of property damage uninsured motorist coverage per accident: Your provider will pay out up to $10,000 per accident to cover your property damage if the at-fault driver doesn’t carry enough car insurance.

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Should I get more coverage than Vermont’s required insurance minimum?

Vermont’s liability insurance minimums fall short of the 50/100/50 limits recommended by most car insurance experts—and you will be left on the hook for your own expenses if you cause an accident.

Purchasing additional coverage options like

collision insurance

comprehensive insurance

, and

medical payments coverage (MedPay)

will help ensure that your expenses are covered—regardless of who is at fault.

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What is the penalty for not having car insurance in Vermont?

Vermont drivers caught without proof of insurance could face legal consequences that include fines and license suspensions.

These are the penalties for getting caught without car insurance in Vermont

A civil fine (not exceeding $500)

License suspension and an additional fine of up to $100 for drivers who can’t show valid proof of insurance within seven days

SR-22

filing requirements

Key Takeaway Vermont motorists who are caught driving without state minimum insurance limits can face a civil fine and additional fines and license suspension if they fail to produce proof of insurance within seven days.

Additional coverage options

Drivers in Vermont can choose to upgrade their protection beyond the state minimum by increasing their limits or adding additional coverage options to their policy.

Here are some popular choices that many car insurance providers offer.

Collision coverage

Collision insurance

will help cover the costs of damage to your car if you get in a collision or rollover—regardless of who is found to be at fault.

Comprehensive coverage

Comprehensive insurance

will cover you up to your policy limit for damage to your car caused by certain external events, like hail, flooding, or theft.

Loan/lease payoff coverage

Otherwise known as

gap insurance

, this will cover the difference between what you owe on your totaled car and the settlement that you receive from your insurance provider following an accident.

Rental car reimbursement coverage

Rental reimbursement coverage

will cover you up to a certain limit for the costs of alternate transportation while your car is being repaired after a claim.

Roadside assistance coverage

Roadside assistance insurance (aka

towing and labor coverage

) provides access to helpful emergency roadside services like lock services, tows, or battery boosts.

Medical payments (MedPay) coverage

Medical payments (MedPay) is a no-fault insurance option that will help cover medical costs for you and your passengers that are associated with your accident.

MORE:

What is a good price for car insurance in Vermont?

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How to get cheap car insurance in Vermont

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