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The Insurance Requirement

23 V.S.A. § 800 — at least $25,000, $50,000 and $10,000 of liability coverage while driving

No owner or driver may operate, or let anyone operate, a vehicle on the highways without a liability policy or bond of at least $25,000 for one person and $50,000 for two or more killed or injured, and $10,000 for property damage in any one crash.

  • 23 V.S.A. § 800
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  • Driving without that coverage is a traffic violation with a civil penalty of not more than $500.
  • A driver must carry proof of it, and not having proof carries a civil penalty of not more than $100.
  • A driver cited without proof is not convicted on producing, within seven business days, proof in effect at the time.
  • 23 V.S.A. § 800
Sources for this section (1)
  1. 23 V.S.A. § 800 — Maintenance of financial responsibility

Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Vermont attorney.

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