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Vermont car insurance

Vermont Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Vermont mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. Failure to provide adequate proof of insurance coverage could result in tickets, a $100 fine, and two points on one’s driving record. Furthermore, a driver will have to file proof of financial responsibility with the Vermont DMV.

Vermont drivers have the option of providing evidence of self-insurance in the amount of $115,000. This must be file with the commissioner of motor vehicles.

Vermont Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Vermont they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $10,000

Vermont Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Vermont does not require this coverage but recommends carrying more than the state minimum.

No Fault Insurance
In Vermont, you are not required to carry no-fault insurance. Vermont is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.