Minimum Car Insurance in Vermont
The liability limits Vermont requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Vermont requires a liability policy or bond of at least 25/50/10: $25,000 for one person and $50,000 for two or more people killed or injured, and $10,000 for property damage in any one crash; 23 V.S.A. §§ 800(a), 941
| Minimum coverage required | Vermont requires a liability policy or bond of at least 25/50/10: $25,000 for one person and $50,000 for two or more people killed or injured, and $10,000 for property damage in any one crash; or $115,000 in self-insurance filed with the Commissioner of Motor Vehicles. Policies must also include uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per crash for bodily injury, plus up to $10,000 for property damage. UM statute: https://legislature.vermont.gov/statutes/section/23/011/00941 Source: 23 V.S.A. §§ 800(a), 941 |
|---|---|
| At-fault or no-fault | Vermont uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Vermont among the "Tort States." |
| Uninsured motorist coverage | Required. Every auto liability policy on a vehicle registered or principally garaged in Vermont must include uninsured, underinsured and hit-and-run motorist coverage for bodily injury and property damage. New or renewed policies must provide at least $50,000 for one person and $100,000 for two or more people; if the policy's liability limits are higher, UM limits must match unless the policyholder directs otherwise. Property damage coverage pays up to $10,000 per claim, subject to a $150 deductible (waived in some cases when other collision coverage applies). Source: 23 V.S.A. § 941 |
More Vermont car insurance & vehicle laws
- Driving Without Insurance in Vermont
- SR-22 Insurance in Vermont
- When a Car Is a Total Loss in Vermont
- Transferring a Car Title in Vermont
- All Vermont car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Vermont?
Vermont requires a liability policy or bond of at least 25/50/10: $25,000 for one person and $50,000 for two or more people killed or injured, and $10,000 for property damage in any one crash; or $115,000 in self-insurance filed with the Commissioner of Motor Vehicles. Policies must also include uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per crash for bodily injury, plus up to $10,000 for property damage.
Is Vermont a no-fault car insurance state?
Vermont uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Vermont among the "Tort States."
Is uninsured motorist coverage required in Vermont?
Required. Every auto liability policy on a vehicle registered or principally garaged in Vermont must include uninsured, underinsured and hit-and-run motorist coverage for bodily injury and property damage. New or renewed policies must provide at least $50,000 for one person and $100,000 for two or more people; if the policy's liability limits are higher, UM limits must match unless the policyholder directs otherwise. Property damage coverage pays up to $10,000 per claim, subject to a $150 deductible (waived in some cases when other collision coverage applies).
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.