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Vermont Auto Insurance
Whether you’re new to the state or a recently licensed driver, you should know that the state of Vermont sets the rules for its drivers. The auto insurance in Vermont and Vermont driving laws will affect whether or not you can find cheap auto insurance, so find out more about how it works right here.
Car Insurance Requirements in Vermont
Vermont minimum auto insurance requirements are as follows:
- $25,000 bodily injury liability per person
- $10,000 of property damage liability
- $50,000 bodily injury liability (all persons)
- $50,000 per person uninsured motorist coverage
- $100,000 per accident uninsured motorist coverage
- $10,000 of property damage liability uninsured property damage
Vermont car insurance laws for uninsured coverage applies to both people without insurance and to those who surpassed their coverage limits (underinsured drivers) in the event of a serious accident.
Is Vermont a No-Fault State?
No. Drivers in Vermont are required to pay for damages they cause in the event of an at-fault accident.
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.
Car Insurance Prices in Vermont
The average price of insurance in Vermont is about $1,000 a year. However, what you pay will depend on your age, location, and driving history.
| Age | Most Popular Vehicle | Gender | Most Common City | ||
|---|---|---|---|---|---|
| 18 – 24 | Chevrolet | Male – 67% | Female – 33% | Burlington | ||
| 25 – 54 | Chevrolet | Male – 47% | Female – 53% | Burlington | ||
| 55 – 64 | Ford | Male – 43% | Female – 57% | Bennington | ||
| 65 + | Toyota | Male – 45% | Female – 55% | Georgia | ||
* This information is based on Pretected.com users.
Auto Insurance for Good Drivers
Good drivers (or at least drivers who aren’t caught for their mistakes) are less risky for auto insurance carriers. Their caution is rewarded with lower rates. The more you can follow the rules of the road, the more likely you’ll end up with extra cash in your pocket.
Auto Insurance for Bad Drivers
Drivers are usually labeled as “˜bad’ by insurance companies who feel they’ve broken one too many rules. From minor accidents to speeding tickets, making risky moves on the road (and getting caught for them) will increase your insurance rates.
Traffic Violations and Fines in Vermont
The actual price a driver pays for a speeding ticket in Vermont will depend on where the driver is pulled over. The average price of a ticket will be about $55 ““ $60 though. Reckless driving in Vermont can result in a $1,000 fine and up to a year in jail.
Driving While High Laws in Vermont
Driving while high in Vermont can result in a fine of up to $200. This is true even if you’re not the person actually using it in the car. If anyone in the car is under 18, the driver can be charged up to $500 for the first offense and up to $1,000 for subsequent charges.
Driving Without Car Insurance in Vermont
Fines for driving without insurance in Vermont can be up to $600. The police can also revoke your driving privileges for an indefinite period.
Texting and Driving in Vermont
Distracted driving laws in Vermont cover everything from cell phone use while driving to eating while driving. The fines can range from $200 for the first offense and $500 for subsequent charges.
If you happen to be in Rutland, make sure your car doesn’t backfire (because that’s illegal)
Vermont Car Accidents
There were a total of 12,644 accidents in Vermont in 2025. These accidents ranged from minor incidents to fatal crashes.
Reasons for Car Accidents in Vermont
Distracted driving and speeding are two major contributors to accidents on the road. More than a third of all fatalities involved alcohol consumption.
Car Accident Statistics by Vehicle Type in Vermont
Due to the weather in Vermont, most accidents occur between four-wheeled vehicles (e.g., cars, trucks, and SUV, etc.) Motorcycle fatalities totaled 12 in 2025, and an average of 8 pedestrians are killed in car accidents a year (or about 11% of all traffic deaths). Bicyclists saw an increase in total crashes from 77 to 97 from 2025 to 2025.
Car Accidents in Vermont – More Facts
Vermont has seen small declines in major crashes from 2025 to 2025
In 2025, there were just 44 fatalities in Vermont
Unrestrained drivers had the highest rates of fatalities
Vermont scored in the top 10% nationally for fewest fatalities
Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Vermont
- You won’t see any corporate billboards along the way in Vermont because they’re forbidden
- If you’re driving through Barre on a Saturday night, make sure you’ve showered. All residents are required to bathe!
Looking for Auto insurance in Vermont? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s “Smart Match”:
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.
Sources and References
- http://blog.chowdaheadz.com/2025/11/14/10-strange-laws-vermont-residents-must-obey/
- http://vermonthighwaysafety.org/data/
- https://vsp.vermont.gov/trafficsafety/fatalities
- https://blog.nationwide.com/weird-traffic-laws-by-state/
- https://www.burlingtonfreepress.com/story/news/2025/12/31/death-toll-vermont-roads-rises-2025-highest-four-years/953251001/