What Trucking Insurance Requirements Apply in Vermont?

Vermont’s required auto liability floor is $25,000 per person, $50,000 per crash for bodily injury, and $10,000 for property damage. For-hire motor buses have a separate amount set by the Transportation Board, so confirm that authority-specific requirement before binding passenger service.

What Is Trucking Insurance?

Trucking coverage can address liability, damage to your trucks and cargo losses, but one quote may not include all three. If you haul goods for customers or yourself, compare those protections and check whether the quote needs motor-carrier or other commercial auto coverage. Read the national Trucking guide.

Vermont Trucking Insurance Requirements

Requirement	Details
State auto liability floor	$25,000 / $50,000 bodily injury; $10,000 property damage ¹
Motor-bus insurance amount	Set by the Vermont Transportation Board ²

What Should You Watch for With Trucking Insurance in Vermont?

Do Not Treat the Road-Use Floor as a Freight Limit
Section 800 states a general minimum for operating registered vehicles. It does not establish an adequate trucking limit for your cargo, contracts, or federal authority; compare the issued policy with your operation and any federal filing. ^1,⁴
Passenger Routes Have a Board-Set Amount
Vermont law leaves the motor-bus insurance amount to the Transportation Board. If you carry passengers for hire on a regular route, ask the agent to confirm the board-set figure and filing before service. ²
A DMV Filing Can Follow a Violation or Crash
Vermont DMV says a driver may be required to keep Financial Responsibility Insurance on file for at least three years after specified violations or crashes. Ask how any driver filing issue affects dispatch eligibility and fleet documentation. ³

Which Trucking Insurance Providers Have Vermont License Records?

No provider in our research has both a state license record and a listing for this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Vermont?

Vermont Department of Financial Regulation

The Vermont Department of Financial Regulation administers Vermont insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^5,^6,⁷

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Vermont

Reported tax rate. 3% of premium ^8,⁹

The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Vermont (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

What Should You Ask Before Buying Trucking Insurance in Vermont?

Does our planned authority involve a motor bus with a Transportation Board-set insurance amount?
Which limits apply to our interstate authority under 49 CFR Part 387 in addition to Vermont’s general vehicle floor?
How will we keep any Vermont DMV financial-responsibility filing current for drivers assigned to our fleet?

Trucking Insurance in Vermont: Frequently Asked Questions

What is Vermont’s minimum auto liability insurance?

At least $25,000 for injury to one person, $50,000 for two or more people in a crash, and $10,000 for property damage. Trucking operations may have separate authority or federal requirements. ¹

Does Vermont set a separate insurance amount for motor buses?

Yes. The Transportation Board determines the amount of insurance or bond for a motor bus. Confirm that amount before operating a covered passenger route. ²

Sources for Trucking Insurance in Vermont

1
23 V.S.A. § 800: Maintenance of financial responsibility. Vermont General Assembly; § 800(a), current effective text: $25,000/$50,000 bodily injury and $10,000 property damage. Accessed 2026-09-29.
2
23 V.S.A. § 883: Amount of insurance or bond. Vermont General Assembly; § 883: Transportation Board determines motor-bus policy/bond amount. Accessed 2026-09-29.
3
Insurance. Vermont Department of Motor Vehicles; Minimum liability statement and § 800 reference. Accessed 2026-09-29.
4
Insurance Filing Requirements. Federal Motor Carrier Safety Administration; Motor Carrier of Property chart; 49 CFR Part 387 overview. Accessed 2026-09-29.
5
Vermont Department of Financial Regulation. Vermont Department of Financial Regulation; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
6
Insurance Department Directory. National Association of Insurance Commissioners; Vermont Department of Financial Regulation entry; official contact and website listing. Accessed 2026-09-28.
7
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
8
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; VT row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
9
Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
10
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
11
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
12
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
13
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
14
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
15
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
16
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.