Get a Vermont car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Vermont
Vermont auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programVermont minimum car insurance requirements (25/50/10)
It's illegal to drive without car insurance in Vermont. To drive legally, you need to have at least the following coverage amounts and minimums in Vermont.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $10,000 per accident |
| Uninsured/Underinsured Motorist Bodily Injury Coverage | $25,000 per person and $50,000 per accident |
See the Vermont Department of Financial Regulation for official coverage requirements and details.
Average car insurance cost in Vermont, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Vermont is about $1,536 per year.
Vermont drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Is Vermont a no-fault insurance state?
No, Vermont is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.
Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Vermont drivers may want to consider additional coverages:
This coverage can help cover you if you're in an accident with an underinsured or uninsured driver. While this coverage is optional, it's recommended to have it.
What's considered "full coverage" car insurance in Vermont?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Vermont you're only required to have the state Liability minimums of 25/50/10. You're also required to have Uninsured/Underinsured Motorist Coverages of 50/100/10.
However, “full car insurance” or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
We'll make sure you get the coverage you need in Vermont when you get an online auto insurance quote.
What liability insurance is required in Vermont?
Vermont law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.
Drivers must have a car insurance policy with the minimum coverages of
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $10,000 per accident
You may see this written as 25/50/10.
Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Who offers cheap car insurance in Vermont?
Finding the cheapest car insurance in Vermont may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Vermont car insurance FAQs
- Getting car insurance in Vermont is straightforward. Start by gathering your driver's license, your vehicle information, including the make, model, and VIN, and details about your driving history.
Next, choose the coverage that's right for you. At a minimum, Vermont requires liability coverage of 25/50/10 and uninsured and underinsured motorist coverage of 50/100/10, but many drivers choose higher liability limits for added protection.
If your vehicle is financed or leased, your lender will likely require Comprehensive and Collision Coverage as well. Once you've selected your coverage, you can compare quotes, explore available discounts, and purchase a policy. After your policy takes effect, you'll receive proof of insurance to keep in your vehicle or access digitally.
- Vermont law requires liability coverage (25/50/10) and Uninsured/Underinsured Motorist Coverage (50/100/10), but those minimums may not be enough after a serious accident.
Many Vermont drivers choose to raise their liability limits and add coverages such as Comprehensive and Collision, which can be especially helpful given Vermont's winter weather and the risk of deer collisions on rural roads.
Medical Payments Coverage and higher uninsured/underinsured limits can add further protection. The right mix depends on your vehicle, budget, and how much risk you're comfortable carrying, so it can help to review your options when you get a quote. You can also bundle your auto and home policies to save.
- Vermont winters bring snow, ice, and limited visibility, and winter weather can make accidents and breakdowns more likely. Carrying the right coverage helps protect you when conditions are at their worst.
Comprehensive Coverage can help if your car is damaged by something other than a collision, like a fallen branch during a storm, while Collision Coverage can help with repairs after a slide-off or fender-bender on an icy road. Adding 24-Hour Roadside Assistance can also help if you get stuck or stranded in the cold. Reviewing your coverage before the season starts can give you added peace of mind on Vermont's winter roads.
- Vermont generally has lower average auto insurance premiums than many states, with an average full coverage premium of about $1,536 per year. However, the amount you pay depends on factors such as your driving record, age and driving experience, where you live, your vehicle, how much you drive, and the coverage and deductible you choose.
There are also several ways to help lower your premium. Depending on your situation, you may qualify for discounts, save by bundling your auto and home insurance, or earn up to 30% in savings through Liberty Mutual's RightTrack® program for safe driving.3