Does Vermont require minimum car insurance coverage?

Yes. Vermonters must carry the following minimum liability coverage limits:

  • $25,000 in bodily injury liability per person
  • $50,000 in total bodily injury per accident
  • $10,000 in property damage liability

If your assets exceed the minimum coverage, you can increase your limits of liability for more protection. Learn more about auto liability coverage.

Vermont also mandates uninsured/underinsured motorist bodily injury and property damage coverage with the following minimum limits:

  • $50,000 in uninsured/underinsured motorist bodily injury per person
  • $100,000 in uninsured/underinsured motorist bodily injury per accident
  • $10,000 with a $150 deductible in uninsured motorist property damage

Uninsured/underinsured motorist coverage can cover injuries to you and your passengers and vehicle damage resulting from an accident with a driver who has no insurance or not enough coverage.

Comprehensive and collision coverage can protect your car

Lenders typically require collision and comprehensive coverage if you lease or finance your car. But even if your vehicle is paid off, physical damage coverages are still worth adding in the event your vehicle is damaged or stolen in a covered incident. Learn more about comprehensive and collision coverage.

How much is car insurance in Vermont?

In 2020, the average Progressive liability-only auto insurance policy in Vermont cost $104 per month.** Rates vary based on several factors such as where you live, your driving history, and the limits and coverages you choose.

Can I qualify for discounts to lower the cost of my insurance?

Yes. Progressive offers a wide range of discounts, including:

  • Continuous insurance
  • Paperless
  • Three-year safe driving
  • Five-year accident-free
  • Electronic Funds Transfer (EFT)
  • Homeowner
  • Multi-car
  • Online quote

See more car insurance discounts.

Snapshot® lets you use your safe driving to save money. This program personalizes your insurance rate based on your actual driving. Choose a mobile app or device that plugs into your car and start saving. Read more about Snapshot.

Interesting facts about driving and auto insurance in Vermont:

  1. Motorists under 18 are prohibited from all using electronic devices, no matter where they're driving. Discover how auto insurance works for teen drivers.

  2. There are more dirt roads than paved roads in Vermont. Unpaved roads have slower traffic and fewer cars than highways, but you're more likely to get a cracked windshield from a kicked-up rock. See more on windshield repair or replacement.

  3. In 2017, Vermont ranked among the top ten least expensive states for car insurance. Learn lesser-known ways to lower the cost of auto insurance.

How to get car insurance in Vermont


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