Vermont Car Insurance Requirements (2024)
Demystifying Vermont car insurance requirements: a complete guide to comply with state laws and safeguard your journey. Unveil minimum coverage thresholds, liability limits, uninsured motorist protection, and essential considerations for comprehensive coverage. Stay informed, protect your assets, and drive confidently across Vermont's scenic roads and highways.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Oct 21, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Welcome to our comprehensive guide on Vermont car insurance requirements. Understanding the necessary coverage and limits is crucial to ensure compliance with state laws and protect yourself on the road.
In this article, we will delve into key topics such as the minimum coverage thresholds mandated by Vermont, liability limits, uninsured motorist protection, and additional considerations for comprehensive coverage. By the end of this guide, you will have a clear understanding of the insurance requirements in Vermont and be well-equipped to make informed decisions.
To find the best insurance providers and compare rates tailored to your specific needs. Simply enter your ZIP code below and take the first step towards securing reliable coverage at the best possible rates.
Required Coverage
All personal vehicles in Vermont require the following liability coverage requirements:
- Bodily Injury
- Property Damage
Additionally, Vermont requires the following coverage:
- Uninsured / Underinsured Motorist Bodily Injury Coverage
- Uninsured / Underinsured Motorist Property Coverage
| Minimum Vermont Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $25,000 / $50,000 Limit | ||
| Property Damage Liability | $10,000 Limit | ||
| Uninsured/Underinsured Bodily Injury | $50,000 / $100,000 Limit | ||
| Uninsured/Underinsured Property Damage | $10,000 Limit | ||
Additional insurance coverage can include:
- Comprehensive and Collision Coverage
Comprehensive insurance will cover expenses related to non-collision related incidents such as a tree falling and damaging your vehicle or someone breaking into your vehicle. Collision helps cover expenses for repairing or replacing of your vehicle regardless as to who is found at fault. These two types of coverage usually are packaged together and require a deductible to be payed before any compensation is given. Is your vehicle listed as one of the most stolen vehicles in Vermont? If so, comprehensive would be a good option for you.
Read more: Vermont Car Insurance Discounts
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
- Purchase a surety bond of $115,000
- File proof of self insurance in the amount of $115,000 with the Vermont Commissioner of Motor Vehicles. (You may be required to provide this proof of self insurance prior to having your vehicle
inspected.
Required Documentation
Your insurance company is not required to notify PennDOT that you currently meet the state’s minimum insurance requirements. In order to provide proof of insurance, you can provide one of the
following:
- Insurance ID card provided by your insurance company
- For insurers not authorized to do business in Vermont, a written certificate containing insurance information for the nonresident is acceptable
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer (the law provides you 15 days to show proof of insurance if you are not able to do so when asked)
- During the registration of your vehicle
- During the inspection of your vehicle
- After you are involved in an accident
Failure to Maintain Financial Responsibility Penalties
If you are unable to show proof of insurance when asked, you can face one of the following penalties:
- A fine
- Points on your license
- Requirements to file financial responsibility insurance (SR-22) with the Vermont DMV
Vermont Insurance Agents
Burlington Car Insurance | Barre Car Insurance | Bennington Car Insurance | Essex Car Insurance | South Hero Car Insurance
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Frequently Asked Questions
What are the minimum requirements for car insurance in Vermont?
In Vermont, drivers are required to have liability coverage with a minimum of:
- $25,000 for bodily injury per person.
- $50,000 for bodily injury per accident.
- $10,000 for property damage per accident. This is known as 25/50/10 coverage.
Is it necessary to have uninsured/underinsured motorist coverage in Vermont?
Vermont law requires insurance companies to offer uninsured and underinsured motorist coverage, but drivers are not required to purchase it. However, it is highly recommended to protect against potential accidents caused by uninsured or underinsured drivers.
Can I use my out-of-state car insurance in Vermont?
If you are visiting Vermont from another state, your out-of-state insurance policy will generally be recognized. However, it’s always a good idea to check with your insurance provider to make sure you are adequately covered.
What happens if I don’t have car insurance in Vermont?
Driving without insurance in Vermont can result in fines, license suspension, and even imprisonment in some cases. Additionally, if you cause an accident and don’t have insurance, you will be personally responsible for any damages and injuries incurred by other drivers or passengers.
Are there any discounts available for car insurance in Vermont?
Yes, there are several discounts available, including safe driver discounts, good student discounts, multi-car discounts, and more. Be sure to ask your insurance provider about available discounts to save money on your car insurance premiums.
Can my car insurance company cancel my policy?
Yes, your insurance company can cancel your policy if you fail to make payments or if you provide false information on your application. They can also choose not to renew your policy at the end of the term if they decide you are too high of a risk to insure.
How can I compare car insurance rates in Vermont?
To compare car insurance rates in Vermont, you can use online comparison tools, or you can contact several insurance providers directly for quotes. Be sure to compare not only the rates but also the coverage options and customer service ratings to find the best policy for your needs.
Compare The Best Insurance Quotes In The Country
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.