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Vermont- Auto Insurance

Vermont is not what is called a No Fault auto insurance state and does not require Personal Injury Protection coverage, it does however require that underinsured and uninsured coverage be carried as a part of the insurance policies issued to automobile owners and operators.


Vermont requires that motorists have automobile insurance to cover any financial liability resulting from accidents, for nearly all drivers this will mean an auto insurance policy. Vermont also requires vehicle operators be able to produce proof of insurance upon request. Vehicles owned and operated in Vermont, by Vermont residents must be legally registered with the state. If a vehicle owner does not have proof of auto insurance then their vehicle will not be registered and therefore not legal to operate in the state of Vermont. In addition, a lapse in automobile insurance may result in a vehicles registration being revoked by the state. Residents of Vermont who do not show proof of insurance may also be looking at a motor vehicle ticket with a fine up to $100.00.

The following minimum financial responsibilities must be met by auto insurance coverage as well:

  • Bodily injury liability: 25,000 for single individual injury / 50,0000 for additional individual injuries.
  • Property damage liability: 10,000 to cover property damage
  • Uninsured/Underinsured bodily damage liability: 50,000 for single underinsured individual injury / 100,000 for additional uninsured bodily injury.


Vermont Div. of Insurance
89 Main St. Drawer 20
Montpelier, VT 05620-3101
Phone: 1-802-828-3301

Web Site: www.bishca.state.vt.us
or Insurance Division

 Vermont (VT) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Uninsured Motorist, Underinsured Motorist
  • Regulations Regarding Proof of auto insurance: Proof Required – If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory Insurance: Fine up to $100 plus license suspension

Inside Vermont- Auto Insurance