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Vermont Minimum Car Insurance and Penalties for Driving Without It
The short answer
Vermont requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Other required coverage: UM/UIM 50/100.
Vermont at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10) |
|---|---|
| Other required coverage | Uninsured/underinsured motorist coverage is required in every policy: at least $50,000 for one person and $100,000 for two or more people, plus property damage up to $10,000 per claim with a $150 deductible. |
| First offense for driving uninsured | Driving without insurance is a traffic violation with a civil penalty of up to $500 and 2 points on your record. Not carrying proof of insurance carries a civil penalty of up to $100, dismissed if you show valid proof within seven business days. |
| Repeat offense | Not confirmed on a state source; ask the agency |
| Fee to restore after a lapse | No reinstatement fee if the only suspension on your record is for insurance. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Vermont?
Vermont requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Other required coverage: UM/UIM 50/100.
What happens if you drive without insurance in Vermont?
Driving without insurance is a traffic violation with a civil penalty of up to $500 and 2 points on your record. Not carrying proof of insurance carries a civil penalty of up to $100, dismissed if you show valid proof within seven business days.