2026 Vermont Car Insurance Calculator

Vermont requires 25/50/10 liability minimums, plus $50,000/$100,000 in Uninsured Motorist coverage and $10,000/$20,000 in Underinsured Motorist coverage. Vermont does not require PIP, but the mandatory UM and UIM requirements provide meaningful baseline protection for Vermont drivers.

Yes, Vermont mandates both Uninsured and Underinsured Motorist coverage. Given that Vermont already has the lowest uninsured driver rate in the country, the practical risk being covered is relatively low, but the mandate ensures uniform baseline protection and contributes to Vermont's overall low-claim insurance environment.

Vermont benefits from a combination of factors that keep insurance costs low: a very low uninsured driver rate, low population density that reduces accident frequency, a less litigious legal culture than neighboring New England states and relatively low vehicle theft rates. These factors combine to make Vermont one of the most favorable insurance environments in the country, particularly for rural drivers.

Driving without insurance in Vermont results in a fine of up to $500 for a first offense and license suspension. Reinstatement requires proof of current insurance and payment of a reinstatement fee. Vermont uses an electronic verification system tied to vehicle registration renewals. Given Vermont's already low uninsured rate, enforcement is consistent and lapses are reliably detected.