Vermont Auto Insurance

CVermont follows a Tort insurance system. If you are found at fault for causing a traffic accident, you and your insurance company will be in charge of paying for all material damages and the eventual medical expenses other passengers have incurred.

Minimum Liability Requirements in Vermont

As of April 2026, Vermont requires drivers to carry minimum liability coverage of 25/50/10 — at least $25,000 in bodily injury liability per injured person, up to $50,000 per accident, and $10,000 in property damage liability. The state also requires uninsured/underinsured motorist coverage, including uninsured motorist property damage.

Source: CarInsurance.com, "US State Minimum Liability Car Insurance Requirements," updated April 15, 2026.

Average Car Insurance Premiums in Vermont

Drivers in Vermont pay an average of $1,557 a year for full-coverage car insurance — 47% below the national average of $2,922 a year.

Source: Experian, "Car Insurance Average Costs by State," published September 9, 2026.

Laws regarding use of cellphones while driving

The Vermont officials have put a ban on the use of cellphone devices by 16 and 17 year old drivers with less than six months of behind-the-wheel experience. No further restrictions are in place.

Teenage driving regulations

Vermont uses the Graduated Driver Licensing system, a concept created to allow teenagers to drive on public roads. It imposes some restrictions meant to keep them safe and minimize the incidence of high-risk situations:

• aspiring drivers may not operate a car without the supervision of a parent, legal guardian, certified driving instructor or a driver of at least 25 years old;
• any traffic violation can lead to the suspension of the provisional permit for 90 days;
• all passengers must wear seatbelts;
• they may only transport family members (not including the supervisor) after they gain at least three months experience.

Penalties for driving uninsured in Vermont

The minimum fine for driving without insurance in Vermont is of $100. Moreover, 14 points will be issued against your driver’s license, so it will be suspended. Your driving privileges will be reinstated once you file a SR-22 certificate to show proof of financial responsibility.

AutoInsuranceQuery editorial team. Last reviewed: September 16, 2026.