Vermont Auto Insurance for First-Time Drivers
Vermont requires 25/50/10 liability coverage and is an at-fault state.
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Vermont at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Vermont
Vermont operates under a traditional at-fault liability system, meaning the driver responsible for a crash pays for damages through their insurance. The state requires all drivers to carry proof of financial responsibility, enforced through random verification requests from the Vermont Department of Motor Vehicles. Unlike most states, Vermont mandates uninsured motorist coverage at the same level as your bodily injury liability — a requirement tied to the state's historically high rate of uninsured drivers in rural areas.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Vermont
$346/mo
Typical monthly rate in Vermont, new drivers
Rate data: Insurify, 2026
Bring Your Under 25 Rate Back to Earth
Compare Rates for Drivers Under 25Rules for new drivers
Night driving
none
Passengers
no passengers first 3 months, then family only for next 3 months
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Liability pays for injuries and property damage you cause to others in an at-fault crash. It does not cover your own injuries or vehicle — that requires separate coverage.
Full Coverage
Full coverage is not a policy type — it's industry shorthand for liability plus collision and comprehensive, protecting both your liability exposure and your own vehicle regardless of fault.
Comprehensive Coverage
Comprehensive covers non-collision damage: animal strikes, weather, theft, vandalism, and falling objects. You pay a deductible, then insurance covers the rest up to your car's actual cash value.
Uninsured Motorist Coverage
This pays your medical bills and lost wages when hit by a driver with no insurance or insufficient coverage to pay for your injuries. It functions as a safety net when the at-fault driver can't pay.
Collision Coverage
Collision pays to repair or replace your vehicle after a crash with another car or object, regardless of who caused it. You choose a deductible amount — typically $500 to $1,000 — and insurance covers the rest.