Auto Insurance Minimum Requirements
Vermont requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage — commonly written as 25/50/10. Vermont is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is not required.
Important Notes
Vermont requires UM/UIM limits (50/100) that are higher than the baseline bodily injury liability minimums (25/50).
Uninsured / Underinsured Motorist
UM/UIM is mandatory; requires a minimum 50/100 limit for bodily injury and a $10,000 property damage limit with an uninsured component.
SR-22 Filings
Required for 3 consecutive years following dynamic safety violations or a DUI conviction.
Alternatives to Insurance
A surety bond or safe financial asset allocation under strict DMV review.
Fine
Up to $500
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Vermont?
Vermont requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. This is written as 25/50/10 coverage.
Is Vermont a no-fault state?
No, Vermont is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Vermont?
Yes. Vermont requires uninsured motorist (UM) coverage. Underinsured motorist (UIM) coverage is also required. UM/UIM is mandatory; requires a minimum 50/100 limit for bodily injury and a $10,000 property damage limit with an uninsured component.
What happens if I drive without insurance in Vermont?
Driving without insurance in Vermont can result in fines of Up to $500 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Vermont?
SR-22 filings are used in Vermont for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 consecutive years following dynamic safety violations or a DUI conviction.
What does 25/50/10 mean in Vermont?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Compare Vermont Auto Insurance Rates — Partner Services
Now that you know Vermont's minimum requirements, make sure you're getting the best rate. Compare quotes from top insurers in minutes.
Sponsored. DataTactic may earn a referral fee from these partners. This does not affect our data or editorial content.
Official Source
Vermont Department of Motor Vehicles
More Vermont Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Vermont Department of Motor Vehicles publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.