Vermont’s car insurance market is characterized by relatively low premiums due to its small population and low accident rates. The state follows a fault-based liability insurance system with mandatory minimum coverage requirements.
Vermont Auto Insurance Facts
Drivers
- ~340,000–360,000 licensed drivers as of 2023.
- ~94% household vehicle ownership.
- High use of passenger cars and SUVs.
- Uninsured motorist rate near 8%.
- Limited public transportation outside Burlington and a few urban centers.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~3,200
| ~800
| 25
|
| 2019
| ~3,400
| ~850
| 28
|
| 2020
| ~3,100
| ~750
| 22
|
| 2021
| ~3,300
| ~780
| 26
|
| 2022
| ~3,350
| ~790
| 24
|
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
