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Vermont Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Vermont. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Vermont.

VT Auto Insurance Laws and Regulations:

Vermont Div. of Insurance
89 Main St. Drawer 20
Montpelier, VT 5620

Minimum Car Insurance Coverage in VT:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$10,000 for damage to property

VT Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


VT Uninsured Penalties:

Vermont requires that motorists have automobile insurance to cover any financial liability resulting from accidents, for nearly all drivers this will mean an auto insurance policy. You also have to be able to produce proof of insurance upon request.

Vehicles owned and operated in Vermont, by Vermont residents, must be legally registered with the state. If a vehicle owner does not have proof of auto insurance then their vehicle will not be registered and therefore not legal to operate in the state of Vermont. In addition, a lapse in automobile insurance may result in a vehicles registration being revoked by the state.

Residents of Vermont who do not show proof of insurance may also be looking at a ticket with a fine up to $100.00. Typically, proof of auto insurance comes in the form of a small card or sticker that contains you policy number and information, however, in Vermont additional information may be requested and upon request must be mailed into the state. This may be the full paperwork on your policy, so file this when your insurance company sends it to you.


VT Department of Insurance Contact Information:

1-802-828-3301

VT State Insurance Department Website:





Directory of Vermont Auto Insurance Agents by County

Addison
Bennington
Caledonia
Chittenden
Essex
Franklin
Grand Isle
Lamoille
Orange
Orleans
Rutland
Washington
Windham
Windsor

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