Short answer: Every driver in Vermont must carry at least this coverage. The minimums are in the table below. It’s an at-fault state: the driver who causes a crash is responsible for the damage. Requirements checked against the Vermont Department of Financial Regulation (October 2026).
Vermont car insurance requirements
The minimum limits for Vermont policies:
| Coverage | Minimum required |
|---|---|
| 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 |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing. Compare Vermont with every other state.
What Vermont drivers should know
- Vermont requires at least 25/50/10 liability coverage, plus the other coverages in the table. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Vermont requires uninsured and underinsured motorist coverage at higher limits than its liability minimums.
Home insurance in Vermont
- Winter is hard on homes here: frozen pipes, ice dams and snow load on roofs are common claims.
- Spring thaw and heavy rain can cause basement flooding and sewer backup — both need separate coverage or an endorsement.
Ways to save in Vermont
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.
