Vermont SR-22 & High-Risk Auto Insurance
Vermont requires 25/50/10 liability coverage and is an at-fault state.
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Vermont at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
$96
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
SR-22 filing is required for DUI convictions, license suspensions for points or violations, at-fault accidents without insurance, and refusing a chemical test. High-risk drivers often need policies that exceed these minimums to satisfy reinstatement requirements or protect against judgment liability.
Liability Insurance
SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$38/mo
Typical monthly rate in Vermont, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- SR-22 filing status: 3-year requirement signals higher risk to insurers and limits carrier options to non-standard market
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Ignition Interlock Device Restricted Drivers License (RDL)
application fee $125.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Vermont after a DUI?
Vermont requires SR-22 filing for 3 years from the date of license reinstatement following a DUI conviction. Any lapse in coverage during this period triggers immediate license re-suspension and restarts the entire 3-year requirement. You must maintain continuous coverage with an insurer authorized to file SR-22 in Vermont.
Which insurance companies offer SR-22 in Vermont?
Non-standard carriers writing SR-22 policies in Vermont include regional and national companies specializing in high-risk drivers. Not all standard insurers file SR-22 certificates, so you may need to switch carriers. Working with an independent agent who represents multiple non-standard carriers helps compare rates, as premiums vary significantly based on violation type and driving history.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage. Required for 3 years after DUI, suspension, or uninsured accident in Vermont. Filing fee is $15–$35, but the policy itself costs $2,400–$4,800/year depending on violation.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, multiple violations, or poor credit who cannot qualify for standard market coverage. Non-standard carriers in Vermont include regional and national companies specializing in high-risk profiles.
Liability Insurance
Covers injuries and property damage you cause to others. Vermont's 25/50/10 minimums are low for serious accidents—high-risk drivers with assets should consider 100/300/50 or higher to avoid personal liability.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Vermont mandates 50/100 UM/UIM minimums—higher than most states—and SR-22 filers cannot reject this coverage.
Full Coverage Auto Insurance
Liability plus collision and comprehensive. Required by lenders and recommended for financed vehicles or cars valued over $10,000. High-risk drivers face 60–100% higher collision premiums after at-fault accidents.
DUI Insurance
Specialized coverage for drivers convicted of DUI or DWI. Vermont requires SR-22 filing for all DUI convictions, and rates remain elevated for 5–7 years until the conviction clears from your driving record.