Vermont car insurance: requirements & free quotes
Vermont requires uninsured/underinsured motorist coverage at higher limits than its 25/50/10 liability minimum. It is an at-fault state where snowy rural roads and wildlife are common hazards.
Minimum coverage in Vermont
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$10,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $10,000 per accident
Uninsured/underinsured motorist $50,000 per person / $100,000 per accident / $10,000 property damage
Shown as 25/50/10 + UM/UIM 50/100/10. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Vermont
- Comprehensive coverage covers deer and moose collisions.
- Ask about discounts for winter tires or a clean driving record.
- Bundling home and auto can lower your total cost.
- Consider higher liability limits than the state minimum.
We connect drivers across Vermont
Including Burlington, South Burlington, Rutland, Essex Junction and Barre — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Vermont car insurance FAQ
No. Vermont is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.