Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Vermont

Insurance Requirements for Car Registration in Vermont

The state of Vermont requires that all drivers carry a minimum amount of liability insurance, or “financial responsibility,” in order to cover the costs associated with a car accident. This is required to legally register and operate a vehicle in Vermont.

The minimum financial responsibility requirements for Vermont drivers are as follow:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $10,000 for property damage liability

  • A minimum of $50,000 per person, for uninsured or under-insured motorist coverage. This means you’ll need to carry a minimum of $100,000 to cover the lowest possible number of people involved in an accident (the two drivers). This provides protection in the event that a driver is involved in an accident with another driver who does not carry the legally required insurance.

This means that the total minimum amount of financial responsibility you will need is $160,000 to cover bodily injury or death, uninsured or under-insured motorist coverage, and property damage liability.

Other types of insurance

Although the liability insurance listed above is all that is required of Vermont drivers, many drivers choose to carry other types of coverage, to cover more of the costs associated with an accident. These types include:

  • Collision coverage, which pays for damages done to your car in an accident.

  • Comprehensive coverage, which pays for damages sustained by your car due to non-accident conditions (such as inclement weather).

  • Medical payment coverage, which covers the costs related to medical bills after an accident.

  • Towing and labor coverage, which pays for the costs associated with the towing and necessary labor to get your car running again after an accident.

  • Rental reimbursement, which covers the costs associated with a necessary rental car after an accident.

Proof of insurance

The state of Vermont does not require that a proof of insurance be on file with the Department of Motor Vehicles. However, you will be required to show your insurance ID card to a police officer at a traffic stop, or at the scene of an accident.

Violation penalties

If you are caught without proof of insurance while driving, you will have to provide proof of insurance to the officer within 15 days. If you cannot do that, or you are caught driving without carrying the legally required insurance, you could face the following penalties:

  • Fines

  • Two points on your driving record

  • Mandatory filing of an SR-22 Proof of Financial Responsibility document. This document acts as an assurance to the government that you will carry the required liability insurance for a minimum of three years. This document is usually only required by those who have been convicted of reckless driving charges, such as a DUI.

For more information, or to renew your registration online, contact the Vermont Department of Motor Vehicles through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

Veteran and Military Driver Laws and Benefits in Idaho
The state of Idaho offers a number of benefits and perks for those Americans who have either served in an Armed Forces branch in the...
P2159 OBD-II Trouble Code: Vehicle Speed Sensor B Range/Performance
Diagnostic Trouble Code (DTC): P2159 P2159 code definition Vehicle Speed Sensor B Range/Performance...
What are the Car Pool Rules in Hawaii?
Hawaii is widely regarded as a land of vacation and relaxation, and as such, its scenic roads and routes are far better known than the state’s freeways. But, as with all...


Related questions

Q: Advice on buying a car with hail damage

Realize that hail damage is just pieces of ice falling down on the car and denting the heck out of everything. It may look horrible but the actual hail itself doesn't damage the car. So as long as it runs...

Q: Hit a car and want to know the best way to go about this persons repair.

This would all depend on the extent of the damage caused by the accident. If the paint damages on a very large surface it would probably be best to go through the insurance company to make sure it gets repaired...

Q: A lot of damage, shops are backed up, mostly wondering if I'm possibly looking at a totaled vehicle.

You will likely need to get at least 3 different estimates on the vehicle to have a good idea of the costs. This way you can go to the insurance company with a fair estimate of the cost to repair...