Vermont Car Insurance Minimum Requirements

The Vermont minimum: 25/50/10 liability — but the uninsured motorist coverage on the same policy has to be written at 50/100. That is $25,000 for injuries to one person, $50,000 per accident and $10,000 for property damage.

Shorthand: 25/50/10
The liability floor is $25,000 for one person killed or injured, $50,000 for two or more, and $10,000 for property damage in any one crash. Instead of a policy you may file evidence of self-insurance of $115,000 with the Commissioner of Motor Vehicles. The unusual part is that Vermont's mandatory uninsured motorist limits are higher than its mandatory liability limits: 23 V.S.A. § 941(c) sets the uninsured and underinsured floor at $50,000 and $100,000, double the liability minimum.
Bodily injury — per person: $25,000
Bodily injury — per accident: $50,000
Property damage: $10,000
Uninsured / underinsured motorist: Required on every policy — 50/100 bodily injury and $10,000 property damage
No policy may be issued on a vehicle registered or principally garaged in Vermont unless it covers bodily injury and property damage caused by uninsured, underinsured or hit-and-run drivers. There is no rejection form: the coverage is a condition of issuing the policy. Bodily injury limits are at least $50,000 per person and $100,000 per crash, and if you buy liability limits above those figures your uninsured motorist limits rise to match unless you direct otherwise. The property damage side is capped at $10,000 per claim and carries a $150 deductible, which is waived where you also hold collision coverage — in that case the uninsured motorist coverage pays your collision deductible. An insurer that is insolvent at the time of the crash, or that becomes insolvent within a year of it, makes its insured an uninsured motorist for this purpose.
Personal injury protection (PIP): None — Vermont has no personal injury protection
Vermont requires only liability and uninsured/underinsured motorist coverage. Medical payments coverage, which pays medical bills regardless of fault and has no deductible, is one of the five optional coverages and is not required by law. Sources that describe Vermont as a PIP or no-fault state are describing a different state.

Property damage minimum — where Vermont sits

Vermont sets $10,000 — higher than 1 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Vermont compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $10,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 1 state on this site sets a lower floor. Whatever the repair or replacement actually costs above $10,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Vermont drivers actually spend. The average premium written per insured vehicle here was $385 in 2023, 34th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Vermont will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Vermont?

Required on every policy — 50/100 bodily injury and $10,000 property damage.

Is PIP required in Vermont?

None — Vermont has no personal injury protection.

Is full coverage required in Vermont?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Vermont law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Vermont

Why the rule looks like this

More on Vermont

Checked against the primary sources above on September 30, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.