Minimum car insurance in Vermont.
What Vermont requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Vermont, the minimum liability limits are written 25/50/10 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $10,000 for property damage.
How the system works
Vermont is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. UM/UIM required at 50/100 with $10,000 UM property damage.
What the minimum means in practice
Say a crash you cause injures three people. The Vermont minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $10,000.
If you drive without insurance in Vermont
Operating without required insurance carries a civil penalty of up to $500 and is a traffic violation, and failing to carry proof carries a civil penalty of up to $100. A lapse in required Financial Responsibility Insurance leads to suspension of driving privileges.
Proof of insurance
Operators must have proof of financial responsibility when driving, it may be shown on a portable electronic device without consenting to a search of the device, and a driver cited will not be convicted if proof in effect at the time is provided within seven business days.
SR-22 and similar filings
Vermont requires an SR-22 certificate from an insurer for certain violations such as DUI or driving without insurance; the Department of Financial Regulation says three years from the event, while the DMV says one year from the offense date for a lack-of-financial-responsibility suspension.
Also worth knowing in Vermont
Financial Responsibility Insurance is individual coverage not tied to a specific vehicle, and required filers must keep it on file for at least three years.
Your state regulator
Vermont Department of Financial Regulation is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Vermont a no-fault state?
Vermont is generally an at-fault state.