Vermont car insurance: minimums, prices and your estimate
Vermont requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability (written 25/50/10).
Vermont is an at-fault state with no PIP requirement, but every policy must include uninsured and underinsured motorist coverage of at least $50,000 per person and $100,000 per accident, double the bodily injury liability minimum.
- Legal minimum
- 25/50/10
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (usually 1 year)
What drivers in Vermont can expect to pay
Monthly ranges from our model, anchored to Vermont's position in 7 published price studies from 2025 and 2026 ($1,734 a year for full coverage and $418 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $124-$165 | $1,734 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $30-$40 | $418 |
| Young driver, full coverage20, own policy, clean record | $231-$347 | $3,468 |
| Senior, full coverage70, clean record | $119-$158 | $1,665 |
| After one at-fault accident35, full coverage | $187-$248 | $2,601 |
| After a DUI35, full coverage | $218-$326 | $3,260 |
| Poor credit35, clean record, full coverage | $222-$319 | $3,243 |
Build your Vermont estimate
Rules worth knowing in Vermont
- Vermont's uninsured and underinsured motorist coverage also covers crashes with hit-and-run drivers. If your liability limits are higher than $50,000 per person and $100,000 per accident, this coverage must match them unless you choose otherwise.
- Uninsured motorist property damage coverage pays up to $10,000 per claim with a $150 deductible, with exceptions if you have other coverage for the damage.
- Insurers cannot deny, cancel or refuse to renew your policy, or set your renewal rate, based on credit alone. Credit-based insurance scores may not use your income, gender, address, ZIP code, ethnic group, religion, marital status or nationality.
- Insurers must refresh your credit information at least every 36 months, re-rate you after a credit error is corrected, and grant exceptions for extraordinary life circumstances when you ask.
- Instead of a policy, you can keep a bond for the same minimum amounts or file proof of $115,000 in self-insurance with the Commissioner of Motor Vehicles. The law does not list a cash deposit option.
- Vermont can require an SR-22 after certain convictions, an unpaid crash judgment, or a crash causing injury, death or $3,000 or more in property damage when you could not show insurance; it usually lasts 1 year, or 3 years after fatal careless, negligent or reckless driving or a repeat DUI.
Questions about Vermont car insurance
What is the minimum car insurance in Vermont?
Vermont requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability (written 25/50/10).
How much is car insurance in Vermont per month?
For a 35-year-old with a clean record, our model puts full coverage at about $124 to $165 a month and state-minimum coverage at about $30 to $40. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Vermont a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Vermont use my credit score?
Yes. Many insurers in Vermont use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Vermont?
Only if a court or the state requires one, usually after a serious violation or a lapse. Vermont can require an SR-22 after certain convictions, an unpaid crash judgment, or a crash causing injury, death or $3,000 or more in property damage when you could not show insurance; it usually lasts 1 year, or 3 years after fatal careless, negligent or reckless driving or a repeat DUI.