Comparing auto insurance in Vermont is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Vermont drivers may want to consider comprehensive coverage because winter weather, icy roads, deer and moose collisions, falling branches, flooding, theft and storm damage can create losses that state-minimum liability coverage will not pay for.
Vermont average rates are well below Bankrate’s listed national averages for both full and minimum coverage, but premiums can still rise after speeding tickets, at-fault accidents, DUI convictions, poor credit, SR-22 or FR-22 filings, or coverage lapses.
25/50/10
Vermont requires at least $25,000 bodily injury liability for one person, $50,000 bodily injury liability for two or more people in one crash, and $10,000 property damage liability. Vermont auto policies must also include uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per accident for bodily injury, plus $10,000 uninsured motorist property damage coverage subject to a $150 deductible.
At Fault
Offer/Rejection Rule
PIP is not required in Vermont. Vermont is an at-fault state, so injury and property damage claims generally depend on who caused the crash. Medical payments coverage may be available as optional coverage.
Required
Vermont requires uninsured/underinsured motorist coverage on auto policies. Minimum UM/UIM bodily injury limits are $50,000 per person and $100,000 per accident. Vermont also requires uninsured motorist property damage coverage of up to $10,000 per claim, subject to a $150 deductible.
Source: Vermont Statutes Online
Recent rate data estimates Vermont annual auto insurance premiums at about $1,610 for full coverage and $351 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $351 | $29 |
| Full coverage | $1,610 | $134 |
| Full coverage with speeding ticket | $1,775 | $148 |
| Full coverage after at-fault accident | $2,091 | $174 |
| Full coverage after DUI | $2,992 | $249 |
| Full coverage with poor credit | $2,862 | $239 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
Vermont minimum coverage focuses on required protection such as Vermont requires at least $25,000 bodily injury liability for one person, $50,000 bodily injury liability for two or more people in one crash, and $10,000 property damage liability. Vermont auto policies must also include uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per accident for bodily injury, plus $10,000 uninsured motorist property damage coverage subject to a $150 deductible.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Vermont may require proof of future financial responsibility after certain violations, crashes, suspensions, revocations or unsatisfied judgments. Vermont financial responsibility rules accept an SR-22 or FR-22 certificate for future proof of financial responsibility, and the filing obligation is generally lifted after three years from the accident, conviction, judgment or eligibility date, depending on the situation.
Vermont does not use FR-44 filings. Vermont financial responsibility rules reference SR-22 or FR-22 certificates instead.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Vermont auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Vermont drivers, including:
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy, multi-vehicle, anti-theft, paperless billing, low-mileage and telematics discounts. Drivers with short commutes or remote-work schedules may benefit from usage-based or low-mileage programs.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | Geico |
| 2 | State Farm |
| 3 | USAA |
| 4 | Nationwide |
| 5 | Allstate |
Carrier pricing and availability vary by ZIP code and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major Vermont cities:
Vermont requires 25/50/10 liability coverage: $25,000 bodily injury liability for one person, $50,000 for two or more people in one crash and $10,000 property damage liability. Vermont auto policies must also include uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per accident for bodily injury, plus $10,000 uninsured motorist property damage coverage subject to a $150 deductible.
No. Vermont is an at-fault state, so the driver who causes a crash can be held financially responsible for injuries and property damage.
No. PIP is not required in Vermont. Drivers may be able to add optional medical payments coverage depending on the insurer.
Yes. Vermont requires uninsured/underinsured motorist coverage on auto policies. Minimum UM/UIM bodily injury limits are $50,000 per person and $100,000 per accident, and uninsured motorist property damage coverage is $10,000 per claim subject to a $150 deductible.
Bankrate lists Vermont’s average annual cost at $1,610 for full coverage and $351 for minimum coverage. Actual quotes depend on ZIP code, driving record, vehicle, coverage limits, deductibles, credit tier and insurer.
Vermont may require proof of future financial responsibility after certain violations, crashes, suspensions, revocations or unsatisfied judgments. Vermont financial responsibility rules accept an SR-22 or FR-22 certificate for future proof, and the filing obligation is commonly tied to a three-year period depending on the underlying event.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
