The answer is Yes! Vermont is one of the states that is known for being an at-fault state, meaning in Vermont who were to cause an accident insurance is authorized to pay for the damage. Vermont car insurance laws legally require liability insurance these listed are the minimum liability coverages.

• $25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
• $50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
• $10,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle

Vermont Auto Insurance Requirements: Cost for Liability Only

City	Price
Highgate	$106.00
Bristol	$108.00
Burlington	$94.00
Hartford	$88.00
Bennington	$104.00
Richmond	$91.00
Barre city	$99.00
St. Albans	$103.00
Richford	$108.00
Colchester	$98.00
Weathersfield	$93.00
Milton	$90.00
Morristown	$96.00
Winooski	$103.00
Derby	$94.00
Barton	$99.00
Hinesburg	$89.00
Charlotte	$88.00
Vergennes	$97.00
Underhill	$89.00
Newport	$87.00
Shelburne	$105.00
Rutland	$95.00
Essex	$105.00
Stowe	$95.00
Jericho	$105.00
St. Albans city	$88.00
Berlin	$96.00
Westminster	$97.00
Chester	$99.00
Bellows Falls	$104.00
Shaftsbury	$100.00
Waterbury	$94.00
Putney	$88.00
Thetford	$106.00
Rockingham	$96.00
Pittsford	$100.00
Middlebury	$102.00
Manchester	$99.00
Fair Haven	$91.00
East Montpelier	$96.00
Enosburgh	$88.00
Williamstown	$98.00
Georgia	$86.00
Ferrisburgh	$92.00
Poultney	$105.00
Swanton	$103.00
Lyndon	$102.00
Pownal	$92.00

Besides liability insurance is a legal requirement, You also have Uninsured/Underinsured Motorist Coverage which is 50/100/10.

Uninsured/Underinsured Motorist Coverage is also legally required in Vermont, It goes toward helping bills that were caused in an accident by an uninsured/underinsured driver who is found at fault.

• $50,000 bodily injury coverage per person is the total of what an insurer will pay for a single person injured in your vehicle by an uninsured/underinsured driver.
• $100,000 bodily injury coverage per accident reflects the maximum dollar amount paid for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
• $10,000 property damage coverage per accident is the upper limit dollar paid for damage caused to your vehicle by an uninsured/underinsured driver.

Although liability and uninsured/underinsured are legal Vermont auto insurance requirements in Vermont you still have the additional option of other possible coverages which could be…

Auto Insurance Coverage Types Explained

• Comprehensive: This will pay for damages to your vehicle that arise from non-collision circumstances (though it also covers collisions with animals). It covers perils such as theft and damage related to weather events.
• Collision: This will pay for damages after a collision with another motorist or a stationary object.
• Loan/Lease Payoff: Also known as gap coverage, this will pay the difference between what you owe on a loan and your car’s actual cash value. This will help if you currently owe more than your car is actually worth.
• Medical Payments: This will go towards paying for your medical expenses as well as those in your vehicle. It is available regardless of who is at fault.
• Rental Car Reimbursement: If your car is unable to be driven, this coverage will pay for a rental car until yours can be fixed.
• Roadside Assistance: Many insurance companies offer some form of roadside assistance that can help with things such as flat tires, dead batteries, and towing expenses.

Using the calculator below will give a general base of the cost of insurance offered in Vermont. Each carrier has its own price range which prices can vary but the calculator gives a rough estimate of what might be expected.

Insurance Cost Estimator

Type of CoverageLiabilityFull Coverage

Carrier	Liability	Full Coverage
Geico	$81	$185
National General	$81	$134
The General	$88	$164
Progressive	$95	$160
Mendota	$104	$177
Assurance America	$106	$169
Bristol West	$110	$173
Travelers	$114	$151
Dairyland	$119	$212
State Auto	$119	$199
State Farm	$123	$151
American Family	$131	$159
Safeco	$132	$197
Acceptance RTR	$133	$161
USAA	$135	$151
Liberty Mutal	$138	$202
Allstate	$140	$157
21 Centry	$150	$172
Nationwide	$156	$162
Gainsco	$174	$163
Farmers	$176	$148

Last Updated on July 26, 2023 by Lauren Mckenzie