Motorcycle Insurance for Vermont
Vermont motorcycle insurance for riders who know the roads.
From Route 100 through the Green Mountains to the hairpins of Smugglers' Notch on Route 108, Roamly works with carriers who understand how Vermonters actually ride.
Vermont at a Glance
Requirement | Details |
|---|---|
Minimum liability | 25/50/10 ($25k bodily injury per person, $50k per accident, $10k property damage). Uninsured/underinsured motorist coverage of at least 50/100 is required on every policy and can't be rejected. |
Helmet law | Required for every operator and passenger, at every age. Operators also need glasses, goggles, or a face shield unless the bike has a windshield or screen. |
Lane splitting | Illegal. Vermont law bars riding between lanes of traffic or between rows of vehicles, and passing in the same lane. |
Registration | Annual safety inspection required, and updated inspection rules took effect September 1, 2026. As of September 2026, registration for a gas-powered motorcycle is $58 a year. |
Requirements and regulations may change. Verify with the Vermont Department of Financial Regulation and the Vermont Department of Motor Vehicles for the most current information.
What you need to know about Motorcycle Insurance in Vermont
Vermont has a universal helmet law, requires uninsured/underinsured motorist coverage at double the liability minimum, and inspects motorcycles every year. Here's what actually shapes your policy.
Vermont's 25/50/10 Minimum
The state requires 25k/50k bodily injury and $10k property damage. Uninsured/underinsured motorist coverage is mandatory at no less than 50k/100k — double the liability minimum — and it can't be rejected. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Nightster with the new bars and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Riders come for Route 100 and the notch roads through the Green Mountains, especially during foliage season. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
After a DUI, driving with a suspended license, or an uninsured crash with injuries or significant damage, the Vermont DMV requires an SR-22, generally for at least three years. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like halfway through Smugglers' Notch on Route 108. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — Vermont requires a helmet for everyone on the bike, and mountain weather changes fast. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. Coverage terms, conditions, and availability vary by state and policy. See policy for details. |
Rent Your Bike Without Losing Coverage
Route 100, Smugglers' Notch, and the Appalachian Gap draw riders from across New England, especially in foliage season, and a bike can do more than sit in the garage between your own rides. Listing yours on Twisted Road or Riders Share can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What Vermont Actually Requires
Vermont mandates 25/50/10 liability coverage for motorcycles, plus uninsured/underinsured motorist coverage. That's $25k per person and $50k per accident for bodily injury and $10k for property damage, plus uninsured/underinsured motorist coverage of at least 50k/100k and uninsured motorist property damage coverage. Vermont is an at-fault state with no PIP, so medical payments coverage is an optional add-on worth considering. Everyone on the bike needs a helmet, and operators need eye protection unless the bike has a windshield. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Vermont law references current as of September 2026 — confirm current requirements with the Vermont Department of Financial Regulation and the Vermont Department of Motor Vehicles.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Vermont requires 25/50/10 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. Uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per accident is also required. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Vermont Department of Financial Regulation.
Yes. Vermont has a universal helmet law — every operator and passenger, at every age, needs a helmet that meets the federal DOT standard. Operators also need eyeglasses, goggles, or a face shield unless the bike has a windshield or screen.
It depends on your bike, riding history, where you live, and the coverage you pick. Your liability and uninsured/underinsured motorist limits, and whether you add collision, comprehensive, or medical payments, will change the price. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability plus uninsured/underinsured motorist coverage is what Vermont requires — liability pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or storm damage. If you're financing, your lender will likely require both.
An SR-22 is a certificate your insurer files with the Vermont DMV to prove you carry at least the minimum coverage. It's required after a DUI, driving with a suspended or revoked license, leaving the scene of a crash, or being an uninsured operator in a crash with injuries or at least $3,000 in damage, and you'll generally need it for at least three years. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy.
It can. Vermont's credit law expressly covers motorcycle policies: insurers can't deny, cancel, non-renew, or set renewal rates solely on credit, medical collections can't count against you, and you can ask for an exception after events like a serious illness, divorce, or job loss. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
Yes. Every registered motor vehicle in Vermont, motorcycles included, has to pass a safety and visual emissions inspection once a year. Updated inspection rules took effect September 1, 2026, dropping the road test and focusing on defects that pose an immediate safety risk. If you're cited within 14 days after your sticker expires, the penalty is capped at $5.
Still have questions?
Call us at 877.725.1245
Vermont Motorcycle Insurance Quotes in Minutes
Vermont motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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