Vermont Minimum Car Insurance Requirements
Vermont requires liability insurance: $25,000 for injury per person, $50,000 per accident, and $10,000 for property damage. This is one of the lowest minimums in the US.
Driving without insurance is illegal. You face license suspension, fines up to $500, and possible jail time. Insurance is non-negotiable.
You do not need to show proof when you buy insurance. Buy first, then drive legally.
Can Immigrants Get a License in Vermont?
Vermont does NOT allow undocumented immigrants to get a standard driver license. You must prove legal residency or citizenship to get a license.
However, you CAN get car insurance without a Vermont license if you have: a foreign driver license, an ITIN, a passport, or other ID. Insurance companies care about your ability to pay, not your immigration status.
Check the NCSL list of states allowing licenses: https://www.ncsl.org/transportation/states-that-allow-unauthorized-immigrants-to-get-a-drivers-license
Best Insurance Options for Immigrants in Vermont
Many major insurers accept ITIN instead of SSN in Vermont: GEICO, State Farm, Progressive, and others. Call directly and ask: "Can I get a quote with an ITIN?" Most say yes.
You need a valid ID (foreign license, passport, or ITIN letter) and proof of residence (utility bill, lease). Rates vary widely, so get quotes from at least 3 companies.
Your immigration status is never asked during quotes. Buying insurance does not report you to immigration. Insurance data is protected by the Gramm-Leach-Bliley Act.
Tips for Immigrant Drivers in Vermont
Get an ITIN from the IRS if you do not have one. See: https://www.irs.gov/individuals/individual-taxpayer-identification-number. It takes 6-8 weeks and helps you get insurance and build credit.
Keep proof of insurance in your car at all times. Vermont police check for valid coverage during traffic stops.
If pulled over, stay calm. You have the right to remain silent about immigration. Do not sign anything without reading it. Keep a lawyer contact number handy.
Find local immigrant support: Vermont Office of New Americans at vermont.gov offers free resources and referrals.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Required |
| Bodily Injury (per accident) | $50,000 | Required |
| Property Damage | $25,000 | Required |
| Uninsured Motorist (BI per person) | $25,000 | Required |
| Uninsured Motorist (BI per accident) | $50,000 | Required |
| Uninsured Motorist (PD) | $25,000 | Required |
| Medical Payments | Optional | No-fault state |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Most Vermont insurers accept ITIN. Get yours free at https://www.irs.gov/individuals/individual-taxpayer-identification-number
No. Vermont does not offer licenses to undocumented immigrants. Check your state DMV for alternatives or consider neighboring states with different rules.
Vermont requires: 25/50/25 liability (bodily injury per person/accident, property damage). Uninsured motorist coverage required. Rates vary by driver and company.
National companies like State Farm, GEICO, Progressive, and Allstate write policies with ITIN. Call local independent agents for best quotes. No single company is easiest for all situations.
Most Vermont insurers require a US license or state ID to bind a policy. Foreign licenses alone are not enough. Get an ITIN and apply for Vermont ID or work with an agent on options.