Vermont Minimum Car Insurance Requirements
Vermont requires minimum liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage. These are the lowest limits you can carry legally.
Driving without insurance in Vermont results in license suspension, fines up to $500, and possible vehicle impoundment. If you cause an accident uninsured, you face civil liability for all damages.
Uninsured motorist coverage is optional but strongly recommended in Vermont.
Can Immigrants Get a License in Vermont?
Vermont does NOT issue licenses to undocumented immigrants. You must prove lawful presence to get a Vermont driver license.
To apply, bring proof of Vermont residency (utility bill, lease), proof of identity (foreign passport or consulate ID), and Social Security Number or ITIN.
If you cannot get a Vermont license, you may still get car insurance using an ITIN and a valid foreign driver license. Contact insurers directly about non-licensed driver options.
Best Insurance Options for Immigrants in Vermont
Major insurers accepting ITIN in Vermont include Allstate, State Farm, Progressive, and GEICO. Rates vary—get quotes from multiple companies.
Even without a Vermont license, you can insure a vehicle if you own it. Provide your ITIN, valid foreign license, and proof of residency.
Some smaller regional insurers in Vermont also accept ITIN applicants. Call ahead to confirm before applying.
Tips for Immigrant Drivers in Vermont
Keep proof of insurance and your valid foreign license in your vehicle at all times. Vermont police accept foreign licenses as valid ID during traffic stops.
Insurance companies are NOT immigration enforcement. Buying insurance does not share your information with ICE under the Gramm-Leach-Bliley Act.
If you plan to stay long-term, check if you qualify for an ITIN through the IRS: https://www.irs.gov/individuals/individual-taxpayer-identification-number
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Required to register vehicle |
| Bodily Injury (per accident) | $50,000 | Required to register vehicle |
| Property Damage | $25,000 | Required to register vehicle |
| Uninsured Motorist (BI per person) | $25,000 | Required in Vermont |
| Uninsured Motorist (BI per accident) | $50,000 | Required in Vermont |
| Uninsured Motorist (PD) | $25,000 | Required in Vermont |
| Medical Payments (PIP) | Optional | No-fault state but not mandatory |
📋 Official Sources
Frequently Asked Questions
Yes. Vermont insurers accept ITIN (Individual Taxpayer Identification Number) instead of SSN. Get your ITIN from IRS at https://www.irs.gov/individuals/individual-taxpayer-identification-number. Insurance companies do NOT report you to ICE.
No. Vermont does NOT issue driver licenses to undocumented immigrants. You need proof of legal presence. Check Vermont DMV for current requirements.
Vermont requires: 20/40/10 liability (20k bodily injury per person, 40k per accident, 10k property damage). Uninsured motorist coverage also required.
Companies like State Farm, Progressive, and Geico work with ITIN numbers. Rates vary. Get quotes from multiple insurers. Call directly and ask if they accept ITIN.
Foreign licenses alone are not enough for Vermont auto insurance. You need a Vermont license or IRP permit. Some insurers may accept valid foreign license temporarily while you apply for Vermont license.
