States › Car Insurance › Vermont
Vermont Car Insurance Requirements
Last updated: 2026 · Data reflects current state minimums and industry averages.
Minimum Liability
25/50/10
Avg. Annual Premium
$1,000
Avg. Monthly
$83
Uninsured Drivers
6.8%
PIP Required
No
Minimum Coverage Requirements
Vermont requires drivers to carry minimum liability insurance of 25/50/10 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage.
Average Car Insurance Costs in Vermont
Drivers in Vermont typically pay approximately $1,000 per year ($83/month) for car insurance, based on 2026 industry average data.
Car Insurance Rates by City in Vermont
| City | Est. Annual Premium |
|---|---|
| Burlington | $1,080/yr |
| South Burlington | $1,050/yr |
| Rutland | $980/yr |
| Barre | $960/yr |
| Montpelier | $970/yr |
| St. Johnsbury | $950/yr |
State Regulations and Key Rules
Vermont is an at-fault state with a low uninsured driver rate and one of the lowest average premiums in the country. Uninsured and underinsured motorist coverage is required. Vermont's rural character and low traffic density contribute to low rates.
What Makes Vermont Unique
Vermont requires uninsured motorist coverage by default, ensuring drivers have protection against the minority of uninsured drivers. The state's low population density and minimal urban congestion keep accident rates and premiums low.
Uninsured Drivers in Vermont
Approximately 6.8% of drivers in Vermont are estimated to be uninsured. This is among the lower uninsured rates in the country, though carrying uninsured motorist coverage remains a sound financial decision.
Risk Factors Specific to Vermont
Vermont winters are severe — heavy snowfall, ice, and narrow rural roads create significant hazards from November through April. Moose collisions are among the most dangerous wildlife incidents in the state. Mountain roads and ski resort areas see elevated winter accident frequency.
What Vermont’s Minimum Actually Covers
Vermont’s minimum is 25/50/10: $25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage. With new vehicles averaging roughly $50,000, the $10,000 property damage limit would leave about $40,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.
No-Fault, PIP, and Required Add-Ons in Vermont
Vermont also requires UM/UIM including property damage coverage, which pays when the at-fault driver has no insurance or too little.
How Vermont Compares: Uninsured Drivers and Price
An estimated 6.8% of Vermont drivers are uninsured — roughly 1 in 15 — one of the lowest uninsured rates in the country.
Our average premium estimate of $1,000 a year puts Vermont among the ten least expensive states in our 50-state estimates (median $1,395).
How to Save on Car Insurance in Vermont
Vermont's already-low rates can be reduced further with multi-policy bundling. Winter tires are strongly recommended and can sometimes qualify for discounts. Regional New England carriers often offer competitive rates compared to national insurers in Vermont.
- Vermont's minimum liability requirement of 25/50/10 is the legal floor, not a safe target — since PIP isn't required in Vermont, a separate medical payments (MedPay) add-on is worth pricing out.
- With an estimated 6.8% of Vermont drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.
Frequently Asked Questions
What is the minimum car insurance in Vermont?
25/50/10: $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability.
Is Vermont a no-fault state?
No. Vermont is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.
Is uninsured motorist coverage required in Vermont?
Yes. Vermont requires UM/UIM including property damage coverage.
How many drivers are uninsured in Vermont?
An estimated 6.8% of Vermont drivers are uninsured, roughly 1 in 15.
Related Tools
- → Car Insurance Calculator — Estimate your coverage needs and costs
- → SR-22 Insurance Calculator — Required after certain violations
- → EV Insurance Calculator — Coverage costs for electric vehicles
Related Articles
All Vermont Insurance Guides
Compare requirements, average costs and state rules across every line of coverage in Vermont.
The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.