Vermont Auto Insurance Rates & Requirements 2025

Covers medical expenses, lost wages, and legal fees when you injure someone in an at-fault accident.

Pays for damage to another driver's vehicle or property when you're at fault.

Protects you when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Vermont requires insurers to offer UM/UIM coverage matching your liability limits, and you must explicitly reject it in writing to opt out.

Pays to repair or replace your vehicle after a collision with another car or object, regardless of fault. While not legally required, lenders mandate collision coverage for financed or leased vehicles. Vermont's rural roads, high deer population, and seasonal ice conditions contribute to collision claim frequencies above the national average during winter months.

Covers vehicle damage from non-collision events including theft, vandalism, weather, falling objects, and animal strikes. Vermont reports among the highest animal collision rates in the nation, with approximately 1 in 39 drivers filing a deer-related claim annually. Comprehensive coverage also addresses winter-specific risks including ice dam damage, falling tree limbs from heavy snow, and frozen pipe-related vehicle damage in unheated garages.