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State of Vermont Minimum Auto Insurance Levels

Individual Bodily Injury Liability: $25,000
Total Bodily Injury Liability: $50,000
Property Damage Liability: $10,000
Average Cost for Vermont
Insurance:
$687/year
National Average: $817/year
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Vermont Auto Insurance

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State Minimum Insurance Levels

Every state's minimum insurance levels are slightly different, but all of them include these three basics components:

Individual Bodily Injury Liability (BIL):
This is the maximum amount that your insurance company will pay for an individual person injured in a car accident. National minimums range from $10,000 to $50,000.
Total Bodily Injury Liability:
This is the maximum amount that your insurance company will pay in total for every person injured in a car accident. National minimums range from $20,000 to $100,000.
Property Damage Liability (PDL):
This is the maximum amount that your insurance company will pay for property damage caused by a car accident. This includes all physical damage such as vehicle damage, damage to road signs and telephone poles, and any other non-medical expenses caused by a car accident. National minimums range from $5,000 to $25,000.

No matter what your state's minimum insurance levels are compared to the national average, it's important to consider purchasing more than the bare minimum. With so many cars on the road worth $50,000 or more, it doesn't take much for a car accident to produce tens of thousands of dollars in damage. The same goes for Bodily Injury Liability requirements.

It's definitely worth paying a few dollars more for higher coverage levels. Otherwise, you take the risk of finding out after an accident that you don't have enough insurance. Often, it doesn't cost much to bump state minimum levels up to a safer level like 100/200/100.