Vermont Auto Insurance Requirements | EagleWay Auto Insurance
Vermont may be one of the smallest states, but there’s plenty to see and do. Whether you’re commuting in Burlington or enjoying a scenic drive to see the fall foliage, affordable auto insurance coverage can protect you, your family, and your vehicle. Take a few minutes to learn about cheap car insurance in Vermont, including which coverages are mandatory, which are optional, and how EagleWay can help you find the right policy. Get a free quote today.
Do you have to have car insurance in Vermont?
Vermont law requires all vehicles to be covered by an insurance policy that meets the state’s minimum requirements. Policies must meet liability coverage limits (25/50/10) and include uninsured/underinsured motorist (UM/UIM) coverage for both bodily injury and property damage.
Vermont Minimum Car Insurance Requirements
| Coverage | Required by Law? | Details |
|---|---|---|
| Bodily Injury Liability | Yes | $25,000 per person / $50,000 per accident — covers medical expenses and legal costs if you injure another person. |
| Property Damage Liability | Yes | $10,000 per accident — covers damage to another vehicle or property you cause. |
| Uninsured/Underinsured Motorist (UM/UIM) | Yes | $50,000 UM/UIM bodily injury per person, $100,000 per accident, $10,000 UM/UIM property damage per accident. |
| Medical Payments Coverage (Med Pay) | No | Covers medical expenses related to an accident, regardless of fault. |
| Collision | No1 | Covers damage to your vehicle from collisions with other vehicles or objects. |
| Comprehensive | No1 | Covers damage from fire, flood, vandalism, falling objects, or animals. |
1Required by your lender if your vehicle is financed or leased.
Additional Coverage Options
- Roadside Assistance
- Towing & Labor Coverage
- Rental Reimbursement
Proof of Financial Responsibility & Penalties
Driving without insurance in Vermont is a civil traffic violation. Penalties may include fines, points on your license, and SR-22 requirements. Always carry proof of insurance and provide it when requested.
Penalties for Driving with a Suspended License
Operating a vehicle without a valid license can result in steep fines, potential jail time, and possible seizure of your license plate.
SR-22 Insurance in Vermont
High-risk drivers may be required to file an SR-22 certificate verifying they have insurance. This applies if you’ve been caught driving without insurance, convicted of a DUI/DWI, or committed other serious driving offenses.
High-Risk Auto Insurance in Vermont
Drivers with violations or a poor driving record may be considered high-risk. Non-standard insurance is available to provide protection. EagleWay helps all drivers find affordable coverage, regardless of their driving history.
Where can I find the cheapest car insurance rates in Vermont?
Rates depend on:
- Coverage type and limits
- Vehicle year, make, and model
- How much and where you drive
- Demographics
- Driving record
- Credit history
EagleWay Auto Insurance can help Vermont drivers find affordable coverage and ensure your policy meets all state requirements. Get a free quote today.