States
Vermont minimum car insurance: 25/50/10
At least $25,000 per person, $50,000 per accident and $10,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Vermont minimum: 25/50/10 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$95,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $10,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Vermont's statute fits on one screen, and it is the source here. Section 800 of Title 23 requires financial responsibility of at least $25,000 for one person, $50,000 for two or more killed or injured and $10,000 for property. Operating without it brings a civil penalty of not more than $500, counted as a traffic violation. Under the same section, every operator of a vehicle required to be registered must have proof when driving, and failing that brings a civil penalty of up to $100. The duty therefore attaches to whoever is driving, including someone who borrows the car, and not only to the owner. Section 801 repeats the same three amounts. The $10,000 property line is the same as Washington's and Wisconsin's, and it is low against the $25,000 we read in many other states.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Vermont
The figure to watch here is the last one: $10,000 of property cover is thin against the price of one late-model car, whatever the injury limits say.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $10,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $10,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Vermont.
What else we read for Vermont
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Civil penalty of up to $500, counted as a traffic violation; up to $100 under the proof requirement in the same section (23 V.S.A. 800). | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.