Vermont: Insurance and financial responsibility Practice Test
Vermont’s required liability insurance and its minimums, proof of insurance, and driving without insurance.
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Questions are original and based on the official manual "Vermont Driver's Manual" (2025 edition (VN-007 07/2024)), Vermont Department of Motor Vehicles.
All 12 questions in this practice test
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Which of these must the insurance card show when you bring a vehicle to a road test?
- The amount of the premium for the policy
- The effective and expiration dates of coverage
- The insured’s driver’s license number and address
- The insured’s date of birth and Social Security number
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Correct answer: The effective and expiration dates of coverage
The card must state the carrier, coverage dates, the insured and the vehicle description including its VIN.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 14 · Open this page in the manual (Manual page 14)
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What does Vermont's law called "Maintenance of Financial Responsibility" mean?
- Every vehicle owner must post a bond with the DMV
- Only vehicles used for work must be insured
- You must pay crash costs on the spot before leaving
- The vehicle you drive must be covered by liability insurance
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Correct answer: The vehicle you drive must be covered by liability insurance
The law means the vehicle you drive must be covered by liability insurance.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 67 · Open this page in the manual (Manual page 67)
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Under Vermont law, the amount of liability insurance must be at least how much for death or injury of one person?
- $25,000
- $15,000
- $20,000
- $30,000
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Correct answer: $25,000
The minimum coverage is $25,000 for the death or injury of one person.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 67 · Open this page in the manual (Manual page 67)
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Under Vermont law, the amount of liability insurance must be at least how much for death or injury of 2 or more persons?
- $30,000
- $60,000
- $50,000
- $100,000
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Correct answer: $50,000
The minimum coverage is $50,000 for the death or injury of 2 or more persons.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 67 · Open this page in the manual (Manual page 67)
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Under Vermont law, the amount of liability insurance must be at least how much for property damage?
- $5,000
- $15,000
- $20,000
- $10,000
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Correct answer: $10,000
The minimum coverage is $10,000 for property damage.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 67 · Open this page in the manual (Manual page 67)
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What must you carry in your vehicle to show that it is insured?
- A copy of your full insurance policy
- A card from your insurance company
- A letter from your lien holder
- A receipt for your last premium payment
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Correct answer: A card from your insurance company
You must carry a card from your insurance company in the vehicle showing it has insurance coverage.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 67 · Open this page in the manual (Manual page 67)
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Besides when you are stopped by a police officer, when will you have to show your insurance card?
- When you fill your tank at a gas station
- When you enter a parking garage
- When you take a driving test
- When you cross a state border
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Correct answer: When you take a driving test
The manual says the card must be shown to a police officer who stops you and also when you take a driving test.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 67 · Open this page in the manual (Manual page 67)
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How many points are assessed on your driving record if a police officer stops you, asks to see proof of insurance and you have no insurance?
- 2 points
- 1 point
- 3 points
- 6 points
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Correct answer: 2 points
Driving without insurance when asked for proof means a ticket, a fine and two points on your driving record.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 67 · Open this page in the manual (Manual page 67)
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You have insurance but cannot show the card when a police officer stops you. How long do you have to show it?
- 15 days
- 5 days
- 10 days
- 30 days
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Correct answer: 15 days
A driver who is insured but cannot show the card has 15 days to do so.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 67 · Open this page in the manual (Manual page 67)
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The insurance card you show an officer later, after you could not show it during the stop, must say what?
- That your insurer has your registration number on file
- That your policy covers at least a full year
- That you had insurance at the time the officer stopped you
- That you bought the policy after the stop
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Correct answer: That you had insurance at the time the officer stopped you
The card has to show that insurance was in place at the time of the stop.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 67 · Open this page in the manual (Manual page 67)
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You are driving without insurance. Which of these will make the Commissioner take your license away until you get insurance?
- Receiving a parking ticket
- Being in a crash, even if it isn't your fault
- Having a defective headlight
- Driving with an expired inspection sticker
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Correct answer: Being in a crash, even if it isn't your fault
If you drive without insurance and are in a crash, even one that is not your fault, your license is taken away until you have insurance.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 68 · Open this page in the manual (Manual page 68)
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If your license is taken away for driving without insurance, you must prove to the Commissioner that you have insurance for how long?
- A full year
- A full 2 years
- A full 5 years
- A full 3 years
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Correct answer: A full 3 years
You must prove to the Commissioner that you have insurance for a full 3 years.
Source: Vermont Driver's Manual (2025 edition (VN-007 07/2024)), page 68 · Open this page in the manual (Manual page 68)