Vermont

Auto Insurance Minimum Requirements

25/50/10

Liability Limits

No-Fault

N/A

PIP Minimum

UM+UIM

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$10,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredYes

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date1980-01-01

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.

Official Source

Vermont Department of Motor Vehicles

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.