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Vermont Car Insurance

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Drivers in the state of Vermont who fail to provide proper car insurance may result in a suspension or fines.

Vermont Penalties for Driving Without Car Insurance

In the state of Vermont, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in Vermont include suspension of driving privileges, fines of up to $500 and getting your vehicle towed.

What is Considered Full Coverage Auto Insurance in Vermont?

According to the Vermont Department of Motor Vehicles, Vermont’s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. Vermont vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:

• $25,000 for bodily injury to or death of one individual in any one accident
• $50,000 for bodily injury to or death of two or more individuals in any one accident
• $10,000 for injury to the property of others in any one accident

Vermont DUI/DWI Laws and Penalties

Vermont DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. Vermont DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. Penalties for a first offense DUI in Vermont include a fine up to $750, up to 2 years in jail and 90 days of licensure suspension. Penalties for subsequent DUIs in Vermont can include a fine up to $2,500 up to 5 years in jail and a lifetime licensure suspension.

Vermont Cell Phone Driving Laws and Texting While Driving Laws

The state of Vermont currently has a full ban on cell phone use for all drivers. Vermont also has a texting while driving ban for all drivers. Violators could face a fine up to $250.

Vermont SR-22 Insurance Documents

Vermont SR-22 insurance documents are required for drivers who have been convicted of driving without auto insurance. An SR-22 form may need to be filed for three years with the DMV, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents to the state of Vermont for drivers that are required to keep and show valid auto liability insurance.