Is Vermont a no-fault state?
No. Vermont is an at-fault state. The driver who causes a crash is responsible, and required insurance is meant to make sure they can pay.
Last checked November 9, 2026 · Official sources (4)
How does Vermont car insurance work?
“Vermont law sets these mandatory coverages as a matter of social policy, mainly to improve the chances that a person who causes an accident has enough insurance to pay for the damage caused.”
Vermont Department of Financial Regulation
What is Vermont's minimum car insurance?
| Coverage | What Vermont requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $10,000 |
| Uninsured motorist | Uninsured/underinsured motorist coverage is required, at least $50,000 per person and $100,000 per crash. |
Other at-fault states
Questions
How much insurance does Vermont require?
At least $25,000 per person and $50,000 per crash for injuries, and $10,000 for property damage.
What if you were partly at fault in Vermont?
You can recover if your fault is not greater than the other side's, but your money is reduced by your share of fault.
Hurt in a crash in Vermont? Find out if you are owed money.
A free case review. $0 upfront. No fee unless you win.
See if I’m owed moneySources (4)
- Vermont Department of Financial Regulation, checked 2026-11-09. “Vermont law sets these mandatory coverages as a matter of social policy, mainly to improve the chances that a person who causes an accident has enough insurance to pay for the damage caused.”
- Vermont General Assembly, 23 V.S.A. § 800, checked 2026-11-09. “an automobile liability policy or bond in the amounts of at least $25,000.00 for one person and $50,000.00 for two or more persons killed or injured and $10,000.00 for damages to property in any one crash”
- Vermont General Assembly, 23 V.S.A. § 941, checked 2026-11-09. “The coverages under subsections (a) and (b) of this section for new or renewed policies shall be not less than $50,000.00 for one person and $100,000.00 for two or more persons killed or injured.”
- Vermont General Assembly, 12 V.S.A. § 1036, checked 2026-11-09. “if the negligence was not greater than the causal total negligence of the defendant or defendants, but the damage shall be diminished by general verdict in proportion to the amount of negligence attributed to the plaintiff”