Vermont Car Insurance
Vermont's minimum requirements, average cost, and a free premium estimate — no signup, no quote spam.
Minimum liability
25/50/10
+ UM/UIM
Avg. full coverage
$1,300/yr
Liability system
at-fault
Estimate your Vermont premium
Estimated annual premium
$1,080
Estimate uses national-average factors. Real quotes vary 30-50% across carriers — always compare 3+.
Vermont car insurance requirements
Vermont requires 25/50/10 plus uninsured/underinsured coverage and has some of the lowest premiums in the country.
Those are only the legal minimums. Minimum liability often isn't enough to cover a serious crash, so many drivers carry higher limits plus collision and comprehensive — especially on a newer or financed vehicle.
Vermont car insurance FAQ
What is the minimum car insurance required in Vermont?
Vermont requires at least 25/50/10 in liability coverage + UM/UIM — that's $25k bodily injury per person, $50k per accident, and $10k property damage. Vermont requires 25/50/10 plus uninsured/underinsured coverage and has some of the lowest premiums in the country.
How much does car insurance cost in Vermont?
Full-coverage car insurance in Vermont averages roughly $1,300 per year, but your rate depends heavily on age, driving record, vehicle, and ZIP code. Use the estimator above and always compare at least three carriers.
Is Vermont a no-fault state?
Vermont is an at-fault (tort) state. The driver who causes a crash is responsible for the resulting damages.
Why is car insurance relatively cheap in Vermont?
At about $1,300/yr, Vermont is cheaper than most states — usually thanks to lower population density, fewer claims, and less congestion. You can often go lower still by bundling home and auto and keeping a clean record.
What's the cheapest way to insure a car in Vermont?
Carry at least the 25/50/10 legal minimum, then lower cost by comparing 3+ carriers, bundling policies, raising your deductible, asking about low-mileage and safe-driver discounts, and keeping your credit healthy. Dropping collision/comprehensive only makes sense on an older, paid-off car.