Vermont is an at-fault (tort) state with 25/50/10 minimum liability. Here's exactly what the law demands, what it costs to ignore it, and how SR-22 filings work — with statutes cited.
| Coverage VT law requires | Minimum |
|---|---|
| Bodily injury liability — per person | $25,000 |
| Bodily injury liability — per accident | $50,000 |
| Property damage liability | $10,000 |
| UM/UIM | Uninsured/underinsured motorist coverage is mandatory at $50,000 per person / $100,000 per |
Effective Current as of July 2026; Insurance.com confirms no change to Vermont minimums for 2025-2026.. Source: Insurance.com - Vermont car insurance laws and requirements · 23 V.S.A. Chapter 11 (Vermont Financial Responsibility and Insurance law, 23 V.S.A. § 800)
First offense: Civil penalty of up to $500 plus points on the driving record (The Zebra; Insurance.com).
Repeat offenses: Repeat violations carry more severe penalties, which can include license suspension and, per Insurance.com, potential jail time for repeated infractions.
License impact: License can be suspended until proof of insurance is provided, and an SR-22 filing may be required for reinstatement (The Zebra). (source: The Zebra; Insurance.com (Vermont car insurance laws))
Vermont requires a continuous three-year SR-22 filing for most qualifying violations, with the clock starting when the Vermont DMV processes the filing; non-owner SR-22 policies are available for drivers without a vehicle (SR22 Direct).
Typically required after: DUI conviction, driving without insurance, license suspension or revocation, serious moving violations. Filing period: 3 years in most cases. Non-owner option: available — you can file without owning a car.
Need one filed? Our SR-22 service page explains the process; a licensed professional at (866) 370-6395 can usually file the same day.
Vermont is an at-fault (tort) state and does not require personal injury protection; medical payments coverage is optional (The Zebra).
Vermont is a tort (at-fault) state: the driver who causes the crash is financially responsible, so injured parties claim against the at-fault driver's liability coverage.
This page is for a referral service that connects consumers with licensed insurance professionals; it is not an insurer or agent and does not provide quotes or legal advice.
License and registration consequences: License can be suspended until proof of insurance is provided, and an SR-22 filing may be required for reinstatement (The Zebra).
| City | Population | Median income | 30+ min commute | No-vehicle households |
|---|---|---|---|---|
| Burlington | 44,675 | $71,109 | 17.6% | 13.2% |
| Montpelier | 8,014 | $81,030 | 19.7% | 9.6% |
Source: US Census Bureau, ACS 5-year estimates.
Vermont driving runs I-89 between Burlington and Montpelier, Route 7 down the lake, and a whole lot of roads that are dirt by design and mud by season. Frost heaves launch the unwary every spring, black ice owns the shaded curves, and snow lingers on north-facing grades long after the valleys clear. Moose and deer are the serious hazards, dusk and dawn especially, and here's the distinction that matters: hitting an animal is a comprehensive claim, while sliding off into a ditch is collision, so both deductibles deserve thought. Winter tires are culture, not suggestion. A local agent who drives these same roads can help square coverage with a real Vermont winter.
Every legal claim on this page traces to:
Laws change. We refresh state pages on a rolling schedule and date-stamp every change; verify with your state before acting.